Keystone Kemlon Health Care Trust

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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

1981

Legal Domicile

Principal Officer

John Ring TTE

Phone

2819973300

Tax Period

2024-05-01 to 2025-04-30

Keystone Kemlon Health Care Trust, founded in 1981, is a community nonprofit that reported $3.5M in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion.

Mission

To administer and provide health care and related benefits to its members.

Program Service Accomplishments

Program 1

Expenses: $3,450,315 Revenue: $0

Provide and administer health dental life and short term disability benefits for employees of its 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,341,906

Investment Income $108,409

Other Revenue $0

TOTAL REVENUE $3,450,315

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $3,450,315

Other Expenses $14,339

TOTAL EXPENSES $3,450,315

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,450,315	$2,994,176	+0.2%
Expenses	$3,450,315	$2,994,176	+0.2%
Net Income	$0	$0	N/A

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

$163,302

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John H Ring	Trustee	2.00	Director	$0	$0	$163,302

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	$3,450,315	$3,450,315	$2,448,524	No data
2024	$2,994,176	$2,994,176	$2,501,278	No data
2023	$2,520,987	$2,520,987	$2,483,369	No data
2022	$2,386,889	$2,386,889	$2,050,320	No data