Central Service Corporation Employee Group Benefit Plan Trust (EIN 736193335) - 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

1995

Legal Domicile

Phone

5802333535

Tax Period

2023-01-01 to 2023-12-31

Central Service Corporation Employee Group Benefit Plan Trust, founded in 1995, is a community nonprofit that reported $4.4M in total revenue in fiscal year 2023. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $4.3M left a modest 3% surplus.

Mission

The Plan provides health, dental, vision, and life insurance benefits covering substantially all employees of Central National Bank and TrustCompany, who changed their legal name to Stride Bank, National Association (the Bank, or Stride Bank) effective February 16, 2019 and Central Service Corporation (the Company). The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA).

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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 $0

Program Service Revenue $4,343,692

Investment Income $79,116

Other Revenue $0

TOTAL REVENUE $4,422,808

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $1,184,040

TOTAL EXPENSES $4,269,875

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,422,808	$3,549,688	+0.2%
Expenses	$4,269,875	$3,251,018	+0.3%
Net Income	$152,933	$298,670	-0.5%

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

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
ADAM BAKER	VEBA COMMITTEE MEMBER	1.0	Director	$0	$0	$0
DENNIS GERHARD	VEBA COMMITTEE MEMBER	1.0	Director	$0	$0	$0
JAMES STALLINGS	VEBA COMMITTEE MEMBER	1.0	Director	$0	$0	$0
RS BAKER JR	VEBA COMMITTEE MEMBER	1.0	Director	$0	$0	$0
SHELLY CONNOLLY	VEBA COMMITTEE MEMBER	1.0	Director	$0	$0	$0
SLOAN YATES	VEBA COMMITTEE MEMBER	1.0	Director	$0	$0	$0
STEVE MCNAMAR	VEBA COMMITTEE MEMBER	1.0	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
2024	No data	No data	No data	No data
2023	$4,422,808	$4,269,875	$1,976,372	$152,933
2022	$3,549,688	$3,251,018	$1,823,439	$298,670
2021	$3,337,084	$2,573,332	$1,524,769	$763,752
2020	$2,388,186	$2,049,383	$761,017	$338,803
2019	$2,904,302	$2,490,722	$422,214	$413,580
2018	$2,283,535	$2,408,626	$8,634	$-125,091

Central Service Corporation Employee Group Benefit Plan Trust