PIONEER TELEPHONE COOPERATIVE INC EBT (EIN 731531479) - 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

2009

Legal Domicile

Principal Officer

JON BOWERS

Phone

4053750383

Tax Period

2025-01-01 to 2025-12-31

PIONEER TELEPHONE COOPERATIVE INC EBT, founded in 2009, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2025. Revenue decreased 16% compared to the prior year. Net assets of $42.4M represent 163 months of operating reserves.

Mission

INVESTMENTS FOR FUNDING OF FUTURE EMPLOYEE BENEFITS

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,286,690

Investment Income $1,839,723

Other Revenue $0

TOTAL REVENUE $3,126,413

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $618,777

TOTAL EXPENSES $3,352,688

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,126,413	$3,740,038	-0.2%
Expenses	$3,352,688	$3,507,703	0.0%
Net Income	$-226,275	$232,335	-2.0%

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
Mike Dobrinski	Director	2.0	Director	$0	$0	$0
Mark Fuqua	Director	2.0	Director	$0	$0	$0
Loyd Benson	Director	2.0	Director	$0	$0	$0
Gail Parker	Director	2.0	Director	$0	$0	$0
Gabe Green	Director	2.0	Director	$0	$0	$0
Dave Krittenbrink	Director	2.0	Director	$0	$0	$0
Jack H Choate III	Director	2.0	Director	$0	$0	$0
David Shepard	Director	2.0	Director	$0	$0	$0
Vickie Klopfenstein	Director	2.0	Director	$0	$0	$0
Trevor Wilczek	Director	2.0	Director	$0	$0	$0
Kari Cox	Director	2.0	Director	$0	$0	$0
Gerald Elcyzyn Jr	Director	2.0	Director	$0	$0	$0
Stacy Cline	Director	2.0	Director	$0	$0	$0
BANCFIRST TRUST	TRUSTEE	5.0		$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	$3,126,413	$3,352,688	$42,380,507	$-226,275
2024	No data	No data	No data	No data
2023	$3,347,635	$3,224,487	$38,008,959	$123,148
2022	$2,480,354	$3,364,470	$34,922,609	$-884,116
2021	$3,273,655	$2,707,942	$40,731,384	$565,713
2020	$2,541,321	$2,504,833	$37,217,159	$36,488
2019	$2,795,451	$2,528,005	$34,414,597	$267,446
2018	$2,448,031	$2,699,188	$30,668,784	$-251,157

PIONEER TELEPHONE COOPERATIVE INC EBT