ST MARY'S COUNTY SCHOOL BUS CONTRACTORS HEALTH & WELFARE TRUST (EIN 546560781) - 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

2003

Legal Domicile

Principal Officer

JAMES SOMERVILLE

Phone

4104148406

Tax Period

2024-09-01 to 2025-08-31

ST MARY'S COUNTY SCHOOL BUS CONTRACTORS HEALTH & WELFARE TRUST, founded in 2003, is a small nonprofit in the Mutual Benefit sector that reported $829K in total revenue in fiscal year 2024. Expenses of $786K left a modest 5% surplus.

Mission

ADMINISTRATION OF HEALTH AND WELFARE PLANS FOR THE ST. MARY'S COUNTY SCHOOL BUS CONTRACTORS.

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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 $499,500

Program Service Revenue $328,622

Investment Income $1,058

Other Revenue $0

TOTAL REVENUE $829,180

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $762,258

Other Expenses $785,593

TOTAL EXPENSES $785,593

Year-over-Year Comparison

	2024	2023	Change
Revenue	$829,180	$789,163	+0.1%
Expenses	$785,593	$767,417	+0.0%
Net Income	$43,587	$21,746	+1.0%

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

N/A

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
JAMES SOMERVILLE	PRESIDENT/CH	1.00	Officer Director	$0	$0	$0
JOYCE CURTIS	MEMBER	1.00	Director	$0	$0	$0
JOSH COOMBS	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
ANN KESSLER	TREASURER	1.00	Officer Director	$0	$0	$0
JOSEPH THOMAS JR	SECRETARY	1.00	Officer Director	$0	$0	$0
KYLE MORROW	TRUST ADMINI	1.00		$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	$829,180	$785,593	$277,539	$43,587
2024	$789,163	$767,417	$241,643	$21,746
2023	$840,714	$821,203	$218,271	$19,511
2022	$704,449	$666,948	$191,734	$37,501
2021	$700,994	$647,278	$152,348	$53,716
2020	$705,761	$672,162	$96,625	$33,599
2019	$665,624	$675,655	$69,900	$-10,031
2018	$672,253	$692,681	$76,942	$-20,428

ST MARY'S COUNTY SCHOOL BUS CONTRACTORS HEALTH & WELFARE TRUST