DELTA DENTAL OF WEST VIRGINIA INC

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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

1962

Legal Domicile

Principal Officer

ALICIA F WEBER

Phone

7177668500

Tax Period

2023-01-01 to 2023-12-31

DELTA DENTAL OF WEST VIRGINIA INC, founded in 1962, is a mid-sized nonprofit that reported $22.8M in total revenue in fiscal year 2023. Revenue fell 26% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $3.8M, a strong 17% operating margin.

Mission

TO ADVANCE DENTAL HEALTH AND ACCESS THROUGH EXCEPTIONAL DENTAL BENEFITS, SERVICE, TECHNOLOGY, AND PROFESSIONAL SUPPORT.

Program Service Accomplishments

Program 1

Expenses: $18,551,473 Revenue: $22,782,134

THE ORGANIZATION PROVIDED DENTAL BENEFIT COVERAGE FOR 60,174 BENEFICIARIES IN 2023 PRIMARILY THROUGH CONTRACTS WITH INDEPENDENT DENTISTS SERVING 81 PURCHASE GROUPS. THE ORGANIZATION PAID MORE THAN...

THE ORGANIZATION PROVIDED DENTAL BENEFIT COVERAGE FOR 60,174 BENEFICIARIES IN 2023 PRIMARILY THROUGH CONTRACTS WITH INDEPENDENT DENTISTS SERVING 81 PURCHASE GROUPS. THE ORGANIZATION PAID MORE THAN $12.9 MILLION FOR DENTAL CARE DURING 2023.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $21,977,225

Investment Income $612,120

Other Revenue $192,789

TOTAL REVENUE $22,782,134

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,200

Fundraising Expenses $0

Program Expenses $18,551,473

Other Expenses $6,056,601

TOTAL EXPENSES $18,999,373

Year-over-Year Comparison

	2023	2022	Change
Revenue	$22,782,134	$30,926,600	-0.3%
Expenses	$18,999,373	$29,580,292	-0.4%
Net Income	$3,782,761	$1,346,308	+1.8%

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

$18,375,109

Total Directors

$3,200

Key Employees

$2,903,161

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CASTRO MICHAEL J	CHIEF EXECUTIVE OFFICER	1.00	Officer	$0	$262,132	$7,171,497
JACKSON KEVIN L	EVP/CHIEF GROWTH OFFICER	0.00		$0	$16,795	$4,176,815
CHAVARRIA SARAH M	PRESIDENT	1.00	Officer	$0	$66,709	$3,151,261
WEBER ALICIA F	EVP CHIEF FINANCIAL OFFICER	1.00	Officer	$0	$74,060	$2,811,392
HANKINSON MICHAEL G	EVP CHIEF LEGAL OFFICER	1.00	Officer	$0	$55,810	$2,292,835
TITCOMBE DOMINIC	EVP/CHIEF INFORMATION OFFICER	1.00	Officer	$0	$66,709	$1,985,103
FEGLEY ANDREA M	SENIOR VICE PRESIDENT DEPUTY GENERAL	1.00	Officer	$0	$54,582	$962,221
MACGILVRAY JENNIFER	SENIOR VICE PRESIDENT QUALITY CARE AND CLAIMS	1.00	Key Emp	$0	$64,823	$756,929
CLARKE JAMIE	VICE PRESIDENT NETWORK DEVELOPMENT	1.00	Key Emp	$0	$58,075	$649,752
GRAYBILL RICHARD C	VP UNDERWRITING AND ACTUARIAL	1.00	Key Emp	$0	$45,704	$607,836
DAVIS CHRISTOPHER T	VICE PRESIDENT SALES	1.00	Key Emp	$0	$62,231	$451,431
CEMBROLA MICHAEL	VP SALES	1.00	Key Emp	$0	$14,665	$437,213
FOSTER JEANNE M	VP FINANCE	0.00		$0	$0	$192,219
GANDY ANN E CPA	DIRECTOR	1.00	Director	$800	$0	$800
KEATLEY NANCY L	DIRECTOR	1.00	Director	$800	$0	$800
SMITH MICHAEL D RHU REBC	DIRECTOR	1.00	Director	$800	$0	$800
WALTERS RONALD N	DIRECTOR	1.00	Officer Director	$800	$0	$800

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
2024	No data	No data	No data	No data
2023	$22,782,134	$18,999,373	$20,709,467	$3,782,761
2022	$30,926,600	$29,580,292	$20,209,728	$1,346,308
2021	$22,759,004	$21,149,024	$18,350,283	$1,609,980
2020	$11,335,944	$10,916,707	$16,207,513	$419,237
2019	$11,784,966	$10,574,016	$13,049,654	$1,210,950
2018	$10,805,196	$9,523,629	$11,508,845	$1,281,567