PUBLIC SERVICE COMMUNICATIONS INC POSTRETIREMENT HEALTH & LIFE INS TRUST (EIN 582071821) - 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

1995

Legal Domicile

Principal Officer

E KELLY BOND

Phone

4788474111

Tax Period

2024-10-01 to 2025-09-30

PUBLIC SERVICE COMMUNICATIONS INC POSTRETIREMENT HEALTH & LIFE INS TRUST, founded in 1995, is a micro nonprofit that reported $43K in total revenue in fiscal year 2024. Revenue decreased 18% compared to the prior year. Net assets of $1.1M represent 312 months of operating reserves.

Mission

TO PROVIDE POST-RETIREMENT MEDICAL AND LIFE INSURANCE COVERAGE.

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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 $0

Program Service Revenue $0

Investment Income $42,955

Other Revenue $0

TOTAL REVENUE $42,955

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $16,440

TOTAL EXPENSES $44,075

Year-over-Year Comparison

	2024	2023	Change
Revenue	$42,955	$52,202	-0.2%
Expenses	$44,075	$115,085	-0.6%
Net Income	$-1,120	$-62,883	-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

N/A

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
E KELLY BOND	PRESIDENT	1.00	Officer Director	$0	$0	$0
JAMES L BOND	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DONALD E BOND	TRUSTEE	1.00	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	$42,955	$44,075	$1,116,338	$-1,120
2024	$52,202	$115,085	$1,117,458	$-62,883
2023	$42,221	$52,704	$1,181,088	$-10,483
2022	$12,165	$60,436	$1,190,913	$-48,271
2021	$19,643	$47,998	$1,246,426	$-28,355
2020	$52,166	$110,603	$1,295,327	$-58,437
2019	$66,960	$133,592	$1,341,037	$-66,632
2018	$61,272	$135,875	$1,383,160	$-74,603

PUBLIC SERVICE COMMUNICATIONS INC POSTRETIREMENT HEALTH & LIFE INS TRUST