PNC INC (EIN 710477457) - 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

1976

Legal Domicile

Principal Officer

JUDY WATSON

Phone

8707221205

Tax Period

2024-07-01 to 2025-06-30

PNC Inc, founded in 1976, is a community nonprofit in the Human Services sector that reported $2.2M in total revenue in fiscal year 2018. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $1.9M left a modest 14% surplus.

Mission

DISCOVERING OPPORTUNITIES THAT INSPIRE LIVES... WHATEVER IT TAKES!

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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 (2024)

Revenue Breakdown

Contributions & Grants $237,202

Program Service Revenue $2,585,031

Investment Income $38,380

Other Revenue $0

TOTAL REVENUE $2,860,613

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,591,253

Fundraising Expenses $0

Program Expenses $2,501,651

Other Expenses $1,050,836

TOTAL EXPENSES $2,642,089

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,860,613	$3,006,859	0.0%
Expenses	$2,642,089	$2,663,771	0.0%
Net Income	$218,524	$343,088	-0.4%

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

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

$260,106

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUDY WATSON	ROC PRESIDENT/CEO	5.00	Officer	$0	$16,548	$156,791
TERESA PORTER	CFO	5.00	Officer	$0	$17,069	$103,315
BECKY WILLIAMS	PRESIDENT	1.00	Officer Director	$0	$0	$0
JOHN RICHARDSON	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
SHANNON HAWTHORNE	SECRETARY	1.00	Officer Director	$0	$0	$0
KYLA HAMILTON	TREASURER	1.00	Director	$0	$0	$0
DENNIS RAMSEY	DIRECTOR	1.00	Director	$0	$0	$0
CLAY LANCE	DIRECTOR	1.00	Director	$0	$0	$0
TREVOR COFFEE	DIRECTOR	1.00	Director	$0	$0	$0
FLOYD YOUNG	DIRECTOR	1.00	Director	$0	$0	$0
JOHN HOLLIS	DIRECTOR	1.00	Director	$0	$0	$0
KENNETH MULDREW	DIRECTOR	1.00	Director	$0	$0	$0
LAURA BETH MARTIN	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	$2,860,613	$2,642,089	$2,953,516	$218,524
2024	$3,006,859	$2,663,771	$2,734,403	$343,088
2023	$2,844,609	$2,767,789	$2,433,728	$76,820
2022	$2,701,101	$2,325,541	$2,642,650	$375,560
2021	$2,696,018	$2,182,903	$2,308,555	$513,115
2020	$2,414,276	$2,022,529	$1,929,379	$391,747
2019	$2,152,726	$1,850,153	$1,652,560	$302,573

PNC INC