Mon-Cre Telephone Co-op (EIN 630332310) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1952

Legal Domicile

Principal Officer

Teresa Rich

Phone

3345623242

Tax Period

2023-07-01 to 2024-06-30

Mon-Cre Telephone Co-op, founded in 1952, is a community nonprofit that reported $6.9M in total revenue in fiscal year 2018. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $6.3M left a modest 8% surplus.

Mission

To provide telecommunication services to its members on the cooperative basis.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $7,891,111

Investment Income $225,578

Other Revenue $125,783

TOTAL REVENUE $8,242,472

Expense Breakdown

Grants Paid $0

Salaries & Benefits $532,296

Fundraising Expenses $0

Other Expenses $6,102,718

TOTAL EXPENSES $8,330,150

Year-over-Year Comparison

	2023	2022	Change
Revenue	$8,242,472	$7,489,137	+0.1%
Expenses	$8,330,150	$7,469,115	+0.1%
Net Income	$-87,678	$20,022	-5.4%

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

$522,559

Total Directors

$9,737

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Danny Sikes	Trustee	5.00	Director	$1,160	$0	$1,160
Thomas Boyd	Trustee	5.00	Director	$951	$0	$951
Ron McGough	Trustee	5.00	Director	$1,182	$0	$1,182
James May	Trustee	5.00	Director	$1,046	$0	$1,046
Mike Moseley	Trustee	5.00	Director	$1,000	$0	$1,000
Chris Parris	Trustee	5.00	Director	$1,041	$0	$1,041
Jared Bragg	Trustee	5.00	Director	$1,168	$0	$1,168
Elizabeth Armistead	Trustee	5.00	Director	$1,013	$0	$1,013
Brenda Herring	Trustee	5.00	Director	$1,176	$0	$1,176
Teresa Rich	General Manager	50.00	Officer	$173,267	$61,078	$234,345
Beverly Hussey	CFO	40.00	Officer	$104,505	$25,613	$130,118
Derrick Deese	Network Operations Manager	40.00	Officer	$114,877	$43,219	$158,096

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	No data	No data	No data	No data
2024	$8,242,472	$8,330,150	$28,607,245	$-87,678
2023	$7,489,137	$7,469,115	$28,502,391	$20,022
2022	$7,623,629	$7,082,926	$29,206,328	$540,703
2021	$8,275,535	$8,275,535	$30,185,462	No data
2020	$7,502,518	$7,502,518	$29,631,638	No data
2019	$6,872,946	$6,317,135	$29,729,351	$555,811

Mon-Cre Telephone Co-op