NORTH COAST TRUST FUND (EIN 941672782) - 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

1959

Legal Domicile

Principal Officer

JEFFERY HOPKINS

Phone

4155467800

Tax Period

2022-07-01 to 2023-06-30

NORTH COAST TRUST FUND, founded in 1959, is a mid-sized nonprofit that reported $30.0M in total revenue in fiscal year 2022. Expenses of $28.6M left a modest 5% surplus.

Mission

TO PROVIDE WELFARE BENEFITS FOR ELIGIBLE EMPLOYEES AND THEIR DEPENDENTS.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $29,515,571

Investment Income $283,829

Other Revenue $182,623

TOTAL REVENUE $29,982,023

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,114,418

TOTAL EXPENSES $28,578,348

Year-over-Year Comparison

	2022	2021	Change
Revenue	$29,982,023	$29,313,482	+0.0%
Expenses	$28,578,348	$26,316,344	+0.1%
Net Income	$1,403,675	$2,997,138	-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

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

$239,606

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL YATES	TRUSTEE, CO-CHAIR	1.0	Director	$0	$69,933	$239,606
JEFFERY HOPKINS	TRUSTEE, CO-CHAIR	1.0	Director	$0	$0	$0
RICHARD MURPHY	TRUSTEE	1.0	Director	$0	$0	$0
MANUEL SOARES	TRUSTEE	1.0	Director	$0	$0	$0
RAFAEL A MIRANDA	TRUSTEE	1.0	Director	$0	$0	$0
RICHARD LEWIS	TRUSTEE	1.0	Director	$0	$0	$0
John Elward	Trustee	1.0	Director	$0	$0	$0
Steven Davis	Trustee	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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$29,982,023	$28,578,348	$36,288,352	$1,403,675
2022	$29,313,482	$26,316,344	$32,567,269	$2,997,138
2021	$31,328,979	$26,872,266	$33,095,236	$4,456,713
2020	$27,113,842	$25,748,695	$27,687,603	$1,365,147
2019	$28,163,762	$25,071,997	$26,435,779	$3,091,765
2018	$26,343,720	$23,348,234	$22,875,233	$2,995,486

NORTH COAST TRUST FUND