UNIVERSITY OF SOUTH ALABAMA GENERAL LIABILITY TRUST FUND (EIN 630970071) - 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

1987

Legal Domicile

Principal Officer

CONSTANCE G COOK

Phone

2514606232

Tax Period

2023-10-01 to 2024-09-30

UNIVERSITY OF SOUTH ALABAMA GENERAL LIABILITY TRUST FUND, founded in 1987, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2019. Revenue fell 34% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $398K, a strong 33% operating margin.

Mission

PROVIDE RISK MANAGEMENT SERVICES FOR THE BENEFIT OF THE SPONSORING TAX EXEMPT ENTITIES, INCLUDING EDUCATION OF EMPLOYEES THEREOF.

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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 $2,006,168

Investment Income $178,064

Other Revenue $0

TOTAL REVENUE $2,184,232

Expense Breakdown

Grants Paid $0

Salaries & Benefits $49,645

Fundraising Expenses $0

Program Expenses $1,380,199

Other Expenses $1,330,554

TOTAL EXPENSES $1,380,199

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,184,232	$1,079,497	+1.0%
Expenses	$1,380,199	$1,217,272	+0.1%
Net Income	$804,033	$-137,775	-6.8%

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

N/A

Employees

N/A

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

$185,581

Total Directors

$2,215,513

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JO BONNER	DIRECTOR, PA	1.00	Director	$0	$62,942	$745,863
ANDI KENT	DIRECTOR, PA	1.00	Director	$0	$83,734	$619,739
KRISTIN DUKES	DIRECTOR, PA	1.00	Director	$0	$53,746	$351,277
KRISTEN ROBERTS	DIRECTOR, PA	1.00	Director	$0	$46,149	$313,053
POLLY STOKLEY	DIRECTOR, PA	0.00		$0	$29,887	$271,857
CONSTANCE G COOK	DIRECTOR, PA	1.00	Officer Director	$0	$34,835	$185,581

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	$2,184,232	$1,380,199	$8,836,800	$804,033
2023	$1,079,497	$1,217,272	$6,689,354	$-137,775
2022	$1,464,832	$1,248,889	$6,185,544	$215,943
2021	$1,430,322	$1,129,015	$7,624,499	$301,307
2020	$1,216,575	$818,322	$6,355,956	$398,253

UNIVERSITY OF SOUTH ALABAMA GENERAL LIABILITY TRUST FUND