PEOPLES RURAL TELEPHONE COOPERATIVE CORPORATION (EIN 610461840) - 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

1950

Legal Domicile

Principal Officer

KEITH GABBARD

Phone

6062877101

Tax Period

2024-01-01 to 2024-12-31

PEOPLES RURAL TELEPHONE COOPERATIVE CORPORATION, founded in 1950, is a mid-sized nonprofit that reported $22.9M in total revenue in fiscal year 2024. Net assets of $86.5M represent 45 months of operating reserves.

Mission

PROVIDE TELEPHONE SERVICE TO MEMBER OWNERS ON A PATRONAGE BASIS. SERVE AN AVERAGE OF APPROXIMATELY 4,068 CUSTOMERS ON A MONTHLY BASIS.

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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 $19,086,146

Investment Income $916,696

Other Revenue $2,900,710

TOTAL REVENUE $22,903,552

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,113,184

Fundraising Expenses $0

Program Expenses $22,903,552

Other Expenses $13,141,766

TOTAL EXPENSES $22,903,552

Year-over-Year Comparison

	2024	2023	Change
Revenue	$22,903,552	$22,414,777	+0.0%
Expenses	$22,903,552	$22,414,777	+0.0%
Net Income	$0	$0	N/A

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

$92,443

Total Directors

$187,861

Key Employees

$215,301

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ARMEL DAVIDSON	DIRECTOR	5.00	Director	$9,553	$0	$9,553
DON BARRETT	DIRECTOR	5.00	Director	$47,648	$0	$47,648
PATRICIA HENDERSON	DIRECTOR	5.00	Director	$20,798	$0	$20,798
GARY CORNETT	SECRETARY	5.00	Officer Director	$7,258	$0	$7,258
NELSON BOBROWSKI	TREASURER	5.00	Officer Director	$36,170	$0	$36,170
WENDELL GABBARD	VICE PRESIDENT	5.00	Officer Director	$39,035	$0	$39,035
KENDELL NORRIS	PRESIDENT	5.00	Officer Director	$9,980	$0	$9,980
BRIAN MCCOY	DIRECTOR	5.00	Director	$17,419	$0	$17,419
KEITH GABBARD	CEO	40.00	Key Emp	$174,365	$40,936	$215,301
MICHAEL STIDHAM	OPERATIONS MGR	40.00	Highest	$126,262	$63,294	$189,556
JASON LAMB	SOFTWARE ENGINEER/IT	40.00	Highest	$136,802	$63,906	$200,708
CHRISTINE DUNCAN	CFO	40.00	Highest	$126,548	$56,001	$182,549
ROBERT ISAACS	PLANT MANAGER	40.00	Highest	$104,582	$50,072	$154,654

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	$22,903,552	$22,903,552	$106,198,891	No data
2023	$21,601,799	$22,414,777	$103,140,148	$-812,978
2022	$21,635,112	$21,635,112	$100,485,904	No data
2021	$24,354,512	$24,354,512	$99,458,138	No data
2020	$24,774,188	$24,774,188	$95,047,418	No data
2019	$26,351,729	$26,351,729	$91,213,594	No data

PEOPLES RURAL TELEPHONE COOPERATIVE CORPORATION