KENTUCKY CONSTRUCTION INDUSTRY TRU… - 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

1975

Legal Domicile

Principal Officer

STEPHANIE COOLEY

Phone

8592261765

Tax Period

2024-04-01 to 2025-03-31

KENTUCKY CONSTRUCTION INDUSTRY TRUST, founded in 1975, is a community nonprofit in the Mutual Benefit sector that reported $2.5M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $2.2M left a modest 12% surplus.

Mission

WELFARE BENEFITS

Program Service Accomplishments

Program 1

TRUST PLANS PROVIDED DENTAL, VISION, ACCIDENTAL DEATH AND DISMEMBERMENT AND GROUP LIFE INSURANCE BENEFITS FOR PARTICIPATING EMPLOYEES OF SUBSCRIBING EMPLOYERS. THE TRUST HAD 6,612 PARTICIPATING...

TRUST PLANS PROVIDED DENTAL, VISION, ACCIDENTAL DEATH AND DISMEMBERMENT AND GROUP LIFE INSURANCE BENEFITS FOR PARTICIPATING EMPLOYEES OF SUBSCRIBING EMPLOYERS. THE TRUST HAD 6,612 PARTICIPATING EMPLOYEES AS OF MARCH 31, 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 $0

Program Service Revenue $2,045,095

Investment Income $477,879

Other Revenue $0

TOTAL REVENUE $2,522,974

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $674,029

TOTAL EXPENSES $2,210,173

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,522,974	$2,256,691	+0.1%
Expenses	$2,210,173	$2,258,551	0.0%
Net Income	$312,801	$-1,860	-169.2%

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

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
RUSSELL L ROMINE	DIRECTOR	0.10	Director	$0	$0	$0
D ROBERT DEAL	DIRECTOR	0.10	Director	$0	$0	$0
KELLY E IVES	DIRECTOR	0.10	Director	$0	$0	$0
HENRY M POTTER	DIRECTOR	0.10	Director	$0	$0	$0
RICHARD VINCENT	DIRECTOR	0.10	Director	$0	$0	$0
KEVIN M DOYLE	DIRECTOR	0.10	Director	$0	$0	$0
BANKS HUDSON	DIRECTOR	0.10	Director	$0	$0	$0
CHRIS NELSON	DIRECTOR	0.10	Director	$0	$0	$0
MONICA MURPHY MITTEL	DIRECTOR	0.10	Director	$0	$0	$0
LYNN STETSON	DIRECTOR	0.10	Director	$0	$0	$0
KEVIN WOLFE	DIRECTOR	0.10	Director	$0	$0	$0
M CHAD LARUE	DIRECTOR	0.10	Director	$0	$0	$0
LUCY LLOYD	DIRECTOR	0.10	Director	$0	$0	$0
DEREK BOSCHERT	DIRECTOR	0.10	Director	$0	$0	$0
RON FAULKNER	DIRECTOR	0.10	Director	$0	$0	$0
BRETT D RUFFING	DIRECTOR	0.10	Director	$0	$0	$0
DOUG MINIX	DIRECTOR	0.10	Director	$0	$0	$0
NICHOLAS S RODGERS	DIRECTOR	0.10	Director	$0	$0	$0
JOEY GRIESBECK	DIRECTOR	0.10	Director	$0	$0	$0
PATRICK HAMILTON	DIRECTOR	0.10	Director	$0	$0	$0
N/A	INSTITUTIONAL TRUSTEE	10.00		$0	$0	$0
STEPHANIE COOLEY	CFO	3.00	Officer	$0	$0	$0
MICHELE WALL	CONTRACT ADMINISTRATOR	3.00	Officer	$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	$2,522,974	$2,210,173	$6,508,450	$312,801
2024	$2,256,691	$2,258,551	$6,241,474	$-1,860
2023	$2,664,921	$2,583,325	$5,789,776	$81,596
2022	$2,576,274	$2,545,348	$6,265,971	$30,926
2021	$2,531,160	$2,675,641	$6,108,322	$-144,481
2020	$2,580,304	$2,650,040	$5,142,495	$-69,736
2019	$2,642,888	$2,825,419	$5,634,583	$-182,531

KENTUCKY CONSTRUCTION INDUSTRY TRUST