Teachers Association of Lancaster Health and Medigap Trust (EIN 680608874) - 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

2006

Legal Domicile

Phone

6619424995

Tax Period

2023-07-01 to 2024-06-30

Teachers Association of Lancaster Health and Medigap Trust, founded in 2006, is a community nonprofit in the Mutual Benefit sector that reported $1.2M in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $670K, a strong 57% operating margin.

Mission

Provide medigap insurance to members

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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 (2023)

Revenue Breakdown

Contributions & Grants $845,792

Program Service Revenue $0

Investment Income $324,584

Other Revenue $0

TOTAL REVENUE $1,170,376

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $495,320

Other Expenses $69,164

TOTAL EXPENSES $500,155

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,170,376	$1,009,289	+0.2%
Expenses	$500,155	$601,923	-0.2%
Net Income	$670,221	$407,366	+0.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Pat Cummins	Chairman	1.00	Director	$0	$0	$0
Jeanne Davis	Co-chairperson	1.00	Director	$0	$0	$0
Amy Knipp	Director	1.00	Director	$0	$0	$0
Larry Freise	Director	1.00	Director	$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	No data	No data	No data	No data
2024	$1,170,376	$500,155	$5,743,549	$670,221
2023	$1,009,289	$601,923	$5,175,757	$407,366
2022	$-40,503	$532,100	$4,768,391	$-572,603
2021	$838,286	$519,538	$5,340,994	$318,748
2020	$786,186	$619,592	$5,022,246	$166,594
2019	$1,055,627	$961,663	$4,855,652	$93,964

Teachers Association of Lancaster Health and Medigap Trust