GUADALUPE VALLEY TELEPHONE COOP INC EMPLOYEE BENEFIT PLAN TRUST (EIN 742562693) - 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

1989

Legal Domicile

Principal Officer

MARK GITTER

Phone

8308854411

Tax Period

2023-01-01 to 2023-12-31

GUADALUPE VALLEY TELEPHONE COOP INC EMPLOYEE BENEFIT PLAN TRUST, founded in 1989, is a small nonprofit that reported $250K in total revenue in fiscal year 2023. Revenue fell 74% from the prior year — a significant decline worth monitoring. Expenses of $1.1M exceeded revenue, resulting in a 338% operating deficit.

Mission

PROVIDE FOR THE MEDICAL BENEFITS OF RETIRED EMPLOYEES UNDER THE HEALTH CARE PLAN OF GVTC, INC.

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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 $669,798

Investment Income $-419,344

Other Revenue $0

TOTAL REVENUE $250,454

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,096,095

TOTAL EXPENSES $1,096,095

Year-over-Year Comparison

	2023	2022	Change
Revenue	$250,454	$975,840	-0.7%
Expenses	$1,096,095	$1,035,492	+0.1%
Net Income	$-845,641	$-59,652	+13.2%

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

$944,320

Total Directors

$944,320

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK GITTER	ADMINISTRATOR	5.00	Officer Director	$0	$351,693	$944,320

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	$250,454	$1,096,095	$9,686,075	$-845,641
2022	$975,840	$1,035,492	$8,894,830	$-59,652
2021	$1,602,868	$1,055,125	$11,071,556	$547,743
2020	$1,489,638	$1,070,919	$10,272,880	$418,719
2019	$1,735,819	$1,065,810	$9,113,968	$670,009
2018	$1,943,423	$1,091,656	$7,652,258	$851,767

GUADALUPE VALLEY TELEPHONE COOP INC EMPLOYEE BENEFIT PLAN TRUST