Pacific Service Employees Benefit Association (EIN 946091959) - 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

1923

Legal Domicile

Principal Officer

Jeffrey Wagner

Phone

9252466224

Tax Period

2023-01-01 to 2023-12-31

Pacific Service Employees Benefit Association, founded in 1923, is a small nonprofit that reported $296K in total revenue in fiscal year 2023. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $374K exceeded revenue, resulting in a 26% operating deficit.

Mission

TO PROVIDE DISABILITY BENEFITS.

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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 $230,513

Investment Income $65,149

Other Revenue $0

TOTAL REVENUE $295,662

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $208,226

TOTAL EXPENSES $373,891

Year-over-Year Comparison

	2023	2022	Change
Revenue	$295,662	$261,776	+0.1%
Expenses	$373,891	$280,613	+0.3%
Net Income	$-78,229	$-18,837	+3.2%

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

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
FRED QUINN	Trustee	1.00	Director	$0	$0	$0
MONA McCARTHY	Advisor	1.00	Director	$0	$0	$0
TERESA TC WALSH	Trustee	1.00	Director	$0	$0	$0
SONIA GARCIA LOBO	Trustee	1.00	Director	$0	$0	$0
JAVI CONTRERAS	CHAIR	1.00	Director	$0	$0	$0
MARLENA CAMARENA	Trustee	1.00	Director	$0	$0	$0
SHEENA MITAL	Trustee	1.00	Director	$0	$0	$0
RICK FETRO	RETIREE VICE CHAIR	1.00	Director	$0	$0	$0
JEFFREY WAGNER	President	5.00	Director	$0	$0	$0
ALICE MATTHEWS	Secretary	5.00	Director	$0	$0	$0
EDDIE BARRIOS	VICE CHAIR	1.00	Director	$0	$0	$0
J'NET HERING	RETIREE CHAIR	1.00	Director	$0	$0	$0
DA'CHON PACE	Chapter Trustee	1.00	Director	$0	$0	$0
KATHY DAWKINS	Treasurer	1.00	Officer	$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	No data	No data	No data	No data
2023	$295,662	$373,891	$2,659,077	$-78,229
2022	$261,776	$280,613	$2,662,327	$-18,837
2021	$297,739	$404,279	$2,707,605	$-106,540
2020	$338,375	$439,349	$2,735,552	$-100,974
2020	$338,375	$401,940	$2,781,676	$-63,565
2019	$247,850	$405,000	$2,817,971	$-157,150
2019	$259,823	$424,504	$2,817,971	$-164,681
2019	$259,823	$403,838	$2,838,637	$-144,015
2018	$275,436	$419,473	$2,996,672	$-144,037

Pacific Service Employees Benefit Association