PENNSYLVANIA CUTTING HORSE ASSOCIATION (EIN 452733874) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2021

Legal Domicile

Principal Officer

WILLIAM STEIN

Phone

5704282765

Tax Period

2024-01-01 to 2024-12-31

PENNSYLVANIA CUTTING HORSE ASSOCIATION, founded in 2021, is a small nonprofit in the Recreation & Sports sector that reported $532K in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum.

Mission

TO PROMOTE THE EDUCATION, TRAINING AND EXHIBITING OF CUTTING HORSES IN A FUN WAY. THE GOAL IS FOR EDUCATION AND PROMOTION OF THE CUTTING HORSE SPORT TOGETHER WITH PUBLIC EDUCATION ON HORSE AND CATTLE WELFARE AND RANCHLAND PRESERVATION.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $7,200

Program Service Revenue $503,931

Investment Income $0

Other Revenue $20,463

TOTAL REVENUE $531,594

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $519,360

Other Expenses $523,560

TOTAL EXPENSES $523,560

Year-over-Year Comparison

	2024	2023	Change
Revenue	$531,594	$434,729	+0.2%
Expenses	$523,560	$433,300	+0.2%
Net Income	$8,034	$1,429	+4.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID PHILLIPS	PRESIDENT	1.00	Officer	$0	$0	$0
JACK WERNER	VICE PRESIDE	1.00	Officer	$0	$0	$0
WILLIAM STEIN	TREASURER	1.00	Officer	$0	$0	$0
LYNDRA BILLS	SECRETARY	1.00	Officer	$0	$0	$0
KARLENE SCHLEGEL	TRUSTEE/DIRE	0.25	Director	$0	$0	$0
MICHELLE MCNUTT	TRUSTEE/DIRE	0.25	Director	$0	$0	$0
MICHAEL WALSH	TRUSTEE/DIRE	0.25	Director	$0	$0	$0
AMY GARBER	TRUSTEE/DIRE	0.25	Director	$0	$0	$0
ANDREW NAVE	TRUSTEE/DIRE	0.25	Director	$0	$0	$0
JESSE GEHRINGER	TRUSTEE/DIRE	0.25	Director	$0	$0	$0
GEORGE BONGIORNO	TRUSTEE/DIRE	0.25	Director	$0	$0	$0
MARTY MILLER	TRUSTEE/DIRE	0.25	Director	$0	$0	$0
ANDY SUTLIFF	TRUSTEE/DIRE	0.25	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	$531,594	$523,560	$35,563	$8,034
2023	$434,729	$433,300	$27,529	$1,429
2022	$366,092	$361,471	$26,100	$4,621
2021	$467,517	$448,676	$18,841	$18,841
2020	$329,372	$319,943	$9,429	$9,429

PENNSYLVANIA CUTTING HORSE ASSOCIATION