KENTUCKY EDUCATION ASSOCIATION

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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

1907

Legal Domicile

Principal Officer

MARY RUBLE

Phone

5028752889

Tax Period

2024-09-01 to 2025-08-31

KENTUCKY EDUCATION ASSOCIATION, founded in 1907, is a community nonprofit that reported $9.4M in total revenue in fiscal year 2024. Expenses of $8.8M left a modest 7% surplus.

Mission

TO UNITE, ORGANIZE AND EMPOWER MEMBERS TO ADVOCATE FOR THEMSELVES, TO ENSURE A QUALITY PUBLIC EDUCATION FOR EVERY KENTUCKY STUDENT AND TO BE THE PREEMINENT VOICE FOR QUALITY PUBLIC EDUCATION.

Program Service Accomplishments

Program 1

TO PROVIDE SUPPORT FOR PUBLIC EDUCATION AND ECONOMIC AND PROFESSIONAL SECURITY. ALSO TO PROVIDE FOR PROFESSIONAL EXCELLENCE AND HUMAN AND CIVIL RIGHTS.

Program 2

TO PROVIDE FOR PROFESSIONAL EXCELLENCE AND HUMAN AND CIVIL RIGHTS.

Program 3

TO PROVIDE LEGAL SERVICES FOR MEMBERS.

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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 $772,070

Program Service Revenue $7,628,583

Investment Income $898,417

Other Revenue $135,336

TOTAL REVENUE $9,434,406

Expense Breakdown

Grants Paid $452,674

Salaries & Benefits $5,683,753

Fundraising Expenses $0

Other Expenses $1,902,583

TOTAL EXPENSES $8,810,778

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,434,406	$9,418,245	+0.0%
Expenses	$8,810,778	$8,622,163	+0.0%
Net Income	$623,628	$796,082	-0.2%

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

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

$629,939

Total Directors

$375,441

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EDDIE LEE CAMPBELL	PAST PRESIDENT	40.00	Officer Director	$140,716	$66,795	$207,511
JOEL WOLFORD	PRESIDENT	40.00	Officer Director	$111,800	$56,130	$167,930
TYLER MURPHY	DIRECTOR	0.00	Director	$0	$0	$0
NORAA RANSEY	DIRECTOR	0.00	Director	$0	$0	$0
CHIFFON WINSTON	DIRECTOR	0.00	Director	$0	$0	$0
HARSH UPADHYAY	DIRECTOR	0.00	Director	$0	$0	$0
HEATHER THOMAS-DEAL	DIRECTOR	0.00	Director	$0	$0	$0
TOM BERRY	DIRECTOR	0.00	Director	$0	$0	$0
KRYSTAL GOODE	DIRECTOR	0.00	Director	$0	$0	$0
LUKE INGLISH	DIRECTOR	0.00	Director	$0	$0	$0
MICHELLE EWING	DIRECTOR	0.00	Director	$0	$0	$0
TRISH CLICK	DIRECTOR	0.00	Director	$0	$0	$0
CASSIE LYLES	DIRECTOR	0.00	Director	$0	$0	$0
NATALIE RASHAD	DIRECTOR	0.00	Director	$0	$0	$0
RYAN DITTMER	DIRECTOR	0.00	Director	$0	$0	$0
KATHRYN PUNSLY	DIRECTOR	0.00	Director	$0	$0	$0
ALAN YOUNG	DIRECTOR	0.00	Director	$0	$0	$0
ERIN GRACE	DIRECTOR	0.00	Director	$0	$0	$0
JIM SPROUL	DIRECTOR	0.00	Director	$0	$0	$0
DALE WARREN	DIRECTOR	0.00	Director	$0	$0	$0
MATTHEW POWELL	DIRECTOR	0.00	Director	$0	$0	$0
MARCIE VIOX	DIRECTOR	0.00	Director	$0	$0	$0
JOLENA SIZEMORE	DIRECTOR	0.00	Director	$0	$0	$0
EDEN GABBARD	DIRECTOR	0.00	Director	$0	$0	$0
APRIL BACK-STEVENS	DIRECTOR	0.00	Director	$0	$0	$0
VICKIE GREGORY	DIRECTOR	0.00	Director	$0	$0	$0
MELISSA MCBRIDE	DIRECTOR	0.00	Director	$0	$0	$0
ADAM SPINKS	DIRECTOR	0.00	Director	$0	$0	$0
TAMMY BERLIN	DIRECTOR	0.00	Director	$0	$0	$0
SUSAN CINTRA	DIRECTOR	0.00	Director	$0	$0	$0
JESSICA HILER	VICE PRESIDENT	40.00	Officer Director	$0	$0	$0
MICHAEL KRAL	DIRECTOR	0.00	Director	$0	$0	$0
MATTHEW CALLAHAN	DIRECTOR	0.00	Director	$0	$0	$0
LAURA SCHNEIDER	DIRECTOR	0.00	Director	$0	$0	$0
SCOTT HOLLAN	DIRECTOR	0.00	Director	$0	$0	$0
JANICE DEAN	DIRECTOR	0.00	Director	$0	$0	$0
MARY RUBLE	EXECUTIVE DIRECTOR	40.00	Officer	$164,007	$90,491	$254,498
BRIDGET BROWN	EMPLOYEE	40.00	Highest	$101,226	$70,510	$171,736
RICH MULLINS	EMPLOYEE	40.00	Highest	$138,274	$65,164	$203,438
EDWARD ISHMAEL	EMPLOYEE	40.00	Highest	$134,089	$64,876	$198,965
ELANA CRANE	EMPLOYEE	40.00	Highest	$101,968	$45,108	$147,076
PAUL MORTELL	FORMER FINANCE DIRECTOR	40.00		$108,135	$26,040	$134,175

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	$9,434,406	$8,810,778	$19,472,686	$623,628
2024	$9,418,245	$8,622,163	$18,002,512	$796,082
2023	$9,841,056	$10,843,520	$16,691,819	$-1,002,464
2022	$11,160,843	$10,218,857	$16,393,137	$941,986
2021	$11,947,814	$10,940,442	$18,220,515	$1,007,372
2020	$11,499,728	$11,168,715	$15,434,028	$331,013
2019	$11,463,621	$11,316,200	$13,556,509	$147,421
2018	$11,492,858	$11,513,837	$13,273,496	$-20,979