MILLCREEK HEALTH SYSTEM MEDICAL PR… - Form 990 Financial Data

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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

JOHN M FERRETTI DO

Phone

8148644031

Tax Period

2024-07-01 to 2025-06-30

MILLCREEK HEALTH SYSTEM MEDICAL PROFESSIONAL LIABILITY SELF-INS TRUST, founded in 2003, is a community nonprofit in the Health Care sector that reported $1.7M in total revenue in fiscal year 2024. Revenue fell 76% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $1.3M, a strong 80% operating margin.

Mission

TO PROVIDE MANDATORY PROFESSIONAL LIABILITY COVERAGE TO AFFILIATED ORGANIZATIONS THAT ARE EXEMPT UNDER SECTION 501(C)(3).

Program Service Accomplishments

Program 1

Expenses: $275,000

PROVIDED MANDATORY PROFESSIONAL LIABILITY COVERAGE TO AFFILIATED ORGANIZATIONS THAT ARE EXEMPT UNDER SEC. 501(C)(3). THERE WAS A TOTAL OF $275,000 PAID IN LIABILITY CLAIMS DURING THE FISCAL YEAR...

PROVIDED MANDATORY PROFESSIONAL LIABILITY COVERAGE TO AFFILIATED ORGANIZATIONS THAT ARE EXEMPT UNDER SEC. 501(C)(3). THERE WAS A TOTAL OF $275,000 PAID IN LIABILITY CLAIMS DURING THE FISCAL YEAR ENDED JUNE 30, 2025.

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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 $785,026

Program Service Revenue $0

Investment Income $899,217

Other Revenue $0

TOTAL REVENUE $1,684,243

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $275,000

Other Expenses $341,956

TOTAL EXPENSES $341,956

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,684,243	$7,069,535	-0.8%
Expenses	$341,956	$2,974,034	-0.9%
Net Income	$1,342,287	$4,095,501	-0.7%

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

$2,054,776

Total Directors

$4,111,283

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN M FERRETTI DO	PRESIDENT/CEO	1.00	Officer Director	$0	$39,125	$1,609,483
MARY L ECKERT	TRUSTEE	1.00	Director	$0	$33,308	$723,538
ANTHONY JOHN FERRETTI DO	TRUSTEE	1.00	Director	$0	$0	$9,546
VINCENT S FIERRO DO	TRUSTEE	1.00	Director	$0	$0	$1,800
HARRY E BROWN	TRUSTEE	1.00	Director	$0	$0	$0
SILVIA M FERRETTI DO	TRUSTEE	1.00	Director	$0	$39,266	$1,766,916
STEVEN G INMAN CPA CGMA	VP FISCAL AFFAIRS/CFO	1.00	Officer	$0	$38,955	$445,293

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	$1,684,243	$341,956	$18,364,799	$1,342,287
2024	No data	No data	No data	No data
2023	$1,282,735	$612,033	$22,588,215	$670,702
2022	$1,942,066	$1,096,287	$22,939,503	$845,779
2021	$1,700,818	$906,071	$26,522,177	$794,747
2020	$1,433,385	$271,483	$22,334,559	$1,161,902
2019	$1,060,036	$274,481	$20,495,192	$785,555
2018	$1,757,214	$775,363	$17,678,191	$981,851

MILLCREEK HEALTH SYSTEM MEDICAL PROFESSIONAL LIABILITY SELF-INS TRUST