BEN LOMAND RURAL TELEPHONE COOPERATIVE (EIN 620532537) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1952

Legal Domicile

Phone

9316684131

Tax Period

2024-01-01 to 2024-12-31

BEN LOMAND RURAL TELEPHONE COOPERATIVE, founded in 1952, is a mid-sized nonprofit that reported $36.6M in total revenue in fiscal year 2024. Expenses of $32.5M left a modest 11% surplus.

Mission

Ben Lomand Rural Telephone Cooperative is a progressive broad-band provider committed to maximum value through state-of-the-art communication and information services in a global environment for the benefit of its members.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $34,200,724

Investment Income $2,270,950

Other Revenue $111,557

TOTAL REVENUE $36,583,231

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,968,656

Fundraising Expenses $0

Program Expenses $32,479,134

Other Expenses $30,167,145

TOTAL EXPENSES $32,479,134

Year-over-Year Comparison

	2024	2023	Change
Revenue	$36,583,231	$38,099,102	0.0%
Expenses	$32,479,134	$33,194,126	0.0%
Net Income	$4,104,097	$4,904,976	-0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

Employees

160

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

$1,050,290

Total Directors

$238,529

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREG SMARTT	GENERAL MANAGER	40.00	Officer	$276,857	$75,953	$352,810
CHAD DEES	COO	40.00	Officer	$180,235	$33,248	$213,483
DANIEL SAIN	CFO	40.00	Officer	$174,970	$32,195	$207,165
CHRISTOPHER CENTRACCHIO	CTO	40.00	Officer	$155,728	$28,055	$183,783
BEN CLARK	DISTRICT MGR	40.00		$139,830	$24,481	$164,311
CLENT KESEY	NETWORK OPERATIONS SUPERVISOR	40.00		$134,167	$23,635	$157,802
GENA BARRY	BUSINESS DEV, CUST REL MGR	40.00		$130,378	$25,363	$155,741
JENNIFER GILLIAM	GOVT & REG AFFAIRS MANAGER	40.00		$127,302	$22,137	$149,439
TAMMY CROUCH	HUMAN RESOURCE MANAGER	40.00		$123,465	$22,130	$145,595
CAIN L ROGERS	President	5.00	Officer Director	$28,727	$0	$35,927
JEFF FLATT	President & CEO	5.00	Officer Director	$21,961	$0	$29,461
GERALD SITZ	Director	5.00	Director	$21,361	$0	$28,561
RANDALL DAY	Secretary	5.00	Director	$21,061	$0	$28,261
DONALD HILLIS	Vice President	5.00	Officer Director	$20,461	$0	$27,661
JOE ROPER	Director	5.00	Director	$18,661	$0	$25,861
JR TROOP JR	Director	5.00	Director	$16,561	$0	$23,761
ROGER BYNUM	Director	5.00	Director	$15,200	$0	$22,400
BOBBY THOMPSON	Director	5.00	Director	$9,436	$0	$16,636

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	$36,583,231	$32,479,134	$160,730,899	$4,104,097
2023	$38,099,102	$33,194,126	$152,930,451	$4,904,976
2022	$31,984,566	$30,291,109	$144,902,643	$1,693,457
2021	$32,327,349	$26,949,804	$135,020,409	$5,377,545
2020	$31,800,082	$26,172,895	$130,641,154	$5,627,187
2019	$29,515,764	$25,455,272	$117,623,447	$4,060,492
2018	$28,588,278	$25,823,823	$113,624,695	$2,764,455

BEN LOMAND RURAL TELEPHONE COOPERATIVE