DELTA DENTAL OF NORTH CAROLINA (EIN 561018068) - 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

1970

Legal Domicile

Principal Officer

CURTIS R LADIG CPA

Phone

8005879514

Tax Period

2023-01-01 to 2023-12-31

DELTA DENTAL OF NORTH CAROLINA, founded in 1970, is a major nonprofit that reported $152.3M in total revenue in fiscal year 2023. Revenue grew 19% year-over-year, indicating healthy expansion.

Mission

DELTA DENTAL OF NORTH CAROLINA'S MISSION IS TO ADVANCE AND PROMOTE THE IMPROVEMENT OF ORAL HEALTH THROUGH PREPAID DENTAL SERVICES, SUPPORT FOR RESEARCH AND EDUCATION, AND COMMUNITY OUTREACH DIRECTED TOWARD SECURING ACCESS TO QUALITY DENTAL CARE FOR ALL.

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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 $152,100,380

Investment Income $205,295

Other Revenue $19,547

TOTAL REVENUE $152,325,222

Expense Breakdown

Grants Paid $40,000

Salaries & Benefits $6,860,909

Fundraising Expenses $0

Program Expenses $144,637,280

Other Expenses $147,718,364

TOTAL EXPENSES $154,619,273

Year-over-Year Comparison

	2023	2022	Change
Revenue	$152,325,222	$127,980,837	+0.2%
Expenses	$154,619,273	$123,153,897	+0.3%
Net Income	$-2,294,051	$4,826,940	-1.5%

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

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

$4,504,582

Total Directors

$303,996

Key Employees

$780,170

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES R ROSE JR	CHAIR	2.00	Officer Director	$37,000	$0	$61,996
MOIRA S LOCASCIO	IMMEDIATE PAST CHAIR	2.00	Officer Director	$32,000	$0	$32,000
SHEILA AHLER CPA	SECRETARY & TREASURER	2.00	Officer Director	$33,000	$0	$33,000
COURTNEY CROWDER	VICE CHAIR	2.00	Officer Director	$32,000	$0	$32,000
STEWART D HOLMES	DIRECTOR	2.00	Director	$29,000	$0	$29,000
CLAIRE B NIVER	DIRECTOR	2.00	Director	$29,000	$0	$29,000
LEAH DEVLIN DDS MPH	DIRECTOR	2.00	Director	$29,000	$0	$29,000
RAJESH MANICKAM PHARMD	DIRECTOR	2.00	Director	$29,000	$0	$29,000
KARA M HENDERSON DDS	DIRECTOR	2.00	Director	$29,000	$0	$29,000
AMY L BASEL	CHIEF FINANCIAL OFFICER	5.00	Officer	$0	$644,559	$3,025,568
CURT R LADIG	PRESIDENT & CEO	50.00	Officer	$1,209,017	$111,001	$1,320,018
DEBORAH JONES	SVP & CHIEF SALES OFFICER	50.00	Key Emp	$382,624	$35,956	$418,580
MARIROSE STEIGERWALD	SVP & CAO	50.00	Key Emp	$325,798	$35,792	$361,590
JOHN PEATTIE	ACCOUNT EXECUTIVE	40.00	Highest	$305,571	$46,364	$351,935
HEATHER PICCIOTTI	DIRECTOR, CLIENT MGT	40.00	Highest	$198,774	$41,647	$240,421
JIM COUCH	VP, GENERAL COUNSEL	40.00	Highest	$304,870	$36,310	$341,180
DENISE POWELL	ACCOUNT EXECUTIVE	40.00	Highest	$190,306	$19,253	$209,559
ELAINE LOYACK	VP, COMMUNITY ENGAGEMENT	40.00	Highest	$193,217	$36,908	$230,125

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	$152,325,222	$154,619,273	$46,454,268	$-2,294,051
2022	$127,980,837	$123,153,897	$39,517,941	$4,826,940
2021	$106,171,467	$102,568,728	$35,946,857	$3,602,739
2020	$90,066,560	$81,551,226	$31,368,287	$8,515,334
2019	$78,636,527	$74,464,903	$19,177,209	$4,171,624
2018	$176,052,373	$172,647,368	$19,866,361	$3,405,005

DELTA DENTAL OF NORTH CAROLINA