B&C WESTERN CONFERENCE DENTAL FUND (EIN 946128420) - 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

1965

Legal Domicile

Principal Officer

DOYLE TOWNSON

Phone

4155467800

Tax Period

2024-05-01 to 2025-04-30

B&C WESTERN CONFERENCE DENTAL FUND, founded in 1965, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year. Expenses of $1.6M exceeded revenue, resulting in a 36% operating deficit.

Mission

TO PROVIDE DENTAL BENEFITS TO 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,111,549

Investment Income $89,783

Other Revenue $0

TOTAL REVENUE $1,201,332

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $620,048

TOTAL EXPENSES $1,633,091

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,201,332	$1,414,179	-0.2%
Expenses	$1,633,091	$1,478,411	+0.1%
Net Income	$-431,759	$-64,232	+5.7%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DOYLE TOWNSON	UNION TRUSTEE	1.0	Director	$0	$0	$0
JERRY GIL	UNION TRUSTEE	1.0	Director	$0	$0	$0
ADAM TOWNSON	UNION TRUSTEE	1.0	Director	$0	$0	$0
KELLY DRYDEN	EMPLOYER TRUSTEE	1.0	Director	$0	$0	$0
JAMES HAM	EMPLOYER TRUSTEE	1.0	Director	$0	$0	$0
JOHN ONTIVEROS	EMPLOYER TRUSTEE	1.0	Director	$0	$0	$0
Cynthia Vasquez	Union Trustee	1.0	Director	$0	$0	$0
DONNA SCARANO	FORMER UNION TRUSTEE	1.0	Director	$0	$0	$0
DOMINIC CALARCO	FORMER EMPLOYER 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	$1,201,332	$1,633,091	$4,098,677	$-431,759
2024	$1,414,179	$1,478,411	$4,248,476	$-64,232
2023	$1,403,729	$1,520,667	$4,366,509	$-116,938
2022	$1,565,265	$1,447,809	$4,423,000	$117,456
2021	$1,567,650	$1,412,571	$4,763,288	$155,079
2020	$1,455,511	$1,498,878	$4,490,848	$-43,367
2019	$1,481,713	$1,739,771	$4,472,843	$-258,058
2018	$1,615,016	$1,535,369	$4,624,971	$79,647

B&C WESTERN CONFERENCE DENTAL FUND