CLEAR CREEK MUTUAL TELEPHONE COMPANY (EIN 930141440) - 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

1906

Legal Domicile

Principal Officer

JAY HENKE

Phone

5036312101

Tax Period

2024-01-01 to 2024-12-31

CLEAR CREEK MUTUAL TELEPHONE COMPANY, founded in 1906, is a community nonprofit that reported $4.9M in total revenue in fiscal year 2024.

Mission

TO PROVIDE TELECOMMUNICATIONS SERVICES TO COOPERATIVE MEMBERS IN THE REDLAND, OREGON AREA.

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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 $4,788,973

Investment Income $36,663

Other Revenue $50,054

TOTAL REVENUE $4,875,690

Expense Breakdown

Grants Paid $4,532

Salaries & Benefits $351,029

Fundraising Expenses $0

Other Expenses $3,952,914

TOTAL EXPENSES $4,870,917

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,875,690	$4,745,691	+0.0%
Expenses	$4,870,917	$4,735,487	+0.0%
Net Income	$4,773	$10,204	-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

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

$297,757

Total Directors

$21,044

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PHILLIP PARADIS	DIRECTOR	1.00	Director	$5,167	$0	$5,167
BRIAN MCGINNIS	SECRETARY/TREASURER	1.00	Officer Director	$5,020	$0	$5,020
CHRISTEN BENTO	VICE CHAIRPERSON	1.00	Officer Director	$3,770	$0	$3,770
RALPH MEYER	CHAIRPERSON	1.00	Officer Director	$3,670	$0	$3,670
KEVIN WHITENER	DIRECTOR	1.00	Director	$3,417	$0	$3,417
JAY HENKE	PRESIDENT/CEO	40.00	Officer	$183,414	$41,626	$225,040
PATTY TERHUNE	VICE PRESIDENT (THRU 3/24)	40.00	Officer	$28,428	$10,119	$38,547
DON RICKMAN	CFO (CBS)	2.34	Officer	$17,891	$3,819	$21,710

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	$4,875,690	$4,870,917	$8,762,511	$4,773
2023	$4,745,691	$4,735,487	$5,670,974	$10,204
2022	$4,222,360	$4,179,479	$4,026,887	$42,881
2021	$5,435,820	$6,195,720	$3,887,678	$-759,900
2020	$5,648,240	$5,371,410	$5,094,671	$276,830
2019	$5,462,113	$5,197,628	$5,274,026	$264,485
2018	$5,217,916	$5,515,673	$5,146,084	$-297,757

CLEAR CREEK MUTUAL TELEPHONE COMPANY