Civic Intelligence

Tuscarora Intermediate Unit Capital Insurance Trust

990 • Fiscal year 2021 • EIN 25-1797771

Jul 01, 2020 to Jun 30, 2021 • Filed on May 15, 2022

Organization ProfileN/A
540 N Harrison RoadPleasant Gap, PA 16823

(814) 359-2793

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

10th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2021 filings • 501(c)4 • $10M-$25M nonprofits • Source year 2021

Liabilities / Revenue

10th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2021 filings • 501(c)4 • $10M-$25M nonprofits • Source year 2021

Net Margin

20th percentile

-2.3%

Higher net margin than 20% of similar nonprofits.

2021 filings • 501(c)4 • $10M-$25M nonprofits • Source year 2021

Top Officer Pay

32nd percentile

$0

Higher top officer pay than 32% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2021 filings • 501(c)4 • $10M-$25M nonprofits • Source year 2021

Asset Growth

8th percentile

-11%

Faster asset growth than 8% of similar nonprofits.

2021 filings • 501(c)4 • $10M-$25M nonprofits • Annualized from 2020 to 2021

Revenue Growth

41st percentile

2.7%

Faster revenue growth than 41% of similar nonprofits.

2021 filings • 501(c)4 • $10M-$25M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets10th percentile

Assets

Down

$4,120,321

Down $522,912 (-11%) from 2020

Net Assets

Down

$4,120,321

Down $522,912 (-11%) from 2020

Liabilities

Flat

$0

Flat from 2020

Revenue And Expenses
Liabilities / Revenue10th percentileNet Margin20th percentile

Revenue

Up

$22,419,678

Up $589,268 (+2.7%) from 2020

Expenses

Up

$22,942,590

Up $1,756,301 (+8.3%) from 2020

Net Income

Down

-$522,912

Down $1,167,033 (-181%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth8th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$6.0M$4.0M$2.0M$0Assets 2010: $1,511,026Liabilities 2010: $0Net Assets 2010: $1,511,0262010Assets 2011: $3,373,577Liabilities 2011: $0Net Assets 2011: $3,373,5772011Assets 2012: $3,196,608Liabilities 2012: $0Net Assets 2012: $3,196,6082012Assets 2013: $3,225,035Liabilities 2013: $0Net Assets 2013: $3,225,0352013Assets 2014: $3,057,113Liabilities 2014: $0Net Assets 2014: $3,057,1132014Assets 2015: $3,412,997Liabilities 2015: $0Net Assets 2015: $3,412,9972015Assets 2016: $3,184,441Liabilities 2016: $0Net Assets 2016: $3,184,4412016Assets 2017: $2,359,786Liabilities 2017: $0Net Assets 2017: $2,359,7862017Assets 2018: $2,897,909Liabilities 2018: $0Net Assets 2018: $2,897,9092018Assets 2019: $3,999,112Liabilities 2019: $0Net Assets 2019: $3,999,1122019Assets 2020: $4,643,233Liabilities 2020: $0Net Assets 2020: $4,643,2332020Assets 2021: $4,120,321Liabilities 2021: $0Net Assets 2021: $4,120,3212021Assets 2022: $2,622,972Liabilities 2022: $0Net Assets 2022: $2,622,9722022Assets 2023: $3,631,568Liabilities 2023: $0Net Assets 2023: $3,631,5682023Assets 2024: $1,410,759Liabilities 2024: $0Net Assets 2024: $1,410,7592024

Highlighted filing

2021

Assets$4,120,321
Liabilities$0
Net Assets$4,120,321
Open 2021 Filing

Operations Trend

Revenue Growth41st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30M$20M$10M$0-$10MExpenses 2010: $10,123,5392010Expenses 2011: $10,505,7312011Expenses 2012: $11,352,2182012Expenses 2013: $10,778,8562013Revenue 2014: $11,388,837Expenses 2014: $11,556,759Net Income 2014: -$167,9222014Revenue 2015: $11,018,728Expenses 2015: $10,662,844Net Income 2015: $355,8842015Revenue 2016: $14,445,829Expenses 2016: $14,674,385Net Income 2016: -$228,5562016Revenue 2017: $18,154,942Expenses 2017: $18,979,597Net Income 2017: -$824,6552017Revenue 2018: $19,637,746Expenses 2018: $19,099,623Net Income 2018: $538,1232018Revenue 2019: $21,547,781Expenses 2019: $20,446,578Net Income 2019: $1,101,2032019Revenue 2020: $21,830,410Expenses 2020: $21,186,289Net Income 2020: $644,1212020Revenue 2021: $22,419,678Expenses 2021: $22,942,590Net Income 2021: -$522,9122021Revenue 2022: $24,378,548Expenses 2022: $25,875,897Net Income 2022: -$1,497,3492022Revenue 2023: $22,511,780Expenses 2023: $21,503,184Net Income 2023: $1,008,5962023Revenue 2024: $21,845,597Expenses 2024: $24,066,406Net Income 2024: -$2,220,8092024

Highlighted filing

2021

Revenue$22,419,678
Expenses$22,942,590
Net Income-$522,912
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2020 to Jun 30, 2021
Signed
May 15, 2022
Return Version
2020v4.2
Gross Receipts
$22,419,678
Mission and Program Overview

Mission

To contain health care costs for member school districts.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$4,643,233$4,120,321▼ $522,912
Savings and Temporary Cash Investments$4,443,233$3,911,128▼ $532,105
Cash and Non-Interest-Bearing Accounts$200,000$209,193▲ $9,193
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,643,233$4,120,321▼ $522,912
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,643,233$4,120,321▼ $522,912
Total Liabilities and Net Assets / Fund Balance$4,643,233$4,120,321▼ $522,912
Compensation and Service Providers
Top Officer Pay32nd percentile

Board Members and Trustees

NameTitle
David Van BuskirkPresident
Amy HersheyDirector
Dan SimpsonDirector
Dani BradyDirector
David BurkettDirector
Dr Brian K GriffithDirector
Dr Gregg PaladinaDirector
Dr Richard MakinDirector
Erik DamgaardDirector
Fred FosterDirector
Hervey HannDirector
Kristie HohmanDirector
Lynn NaugleDirector
Maria Scott-bollmanDirector
Matthew GibsonDirector
Scott GrahamDirector
Tara WillDirector
Thomas MartinDirector
Michael ConteDIRECTOR (UNTIL JAN. 21')
Michelle HallDIRECTOR (UNTIL JULY 20')
Faith SwansonDIRECTOR (UNTIL JUNE 21')
Jennifer MellottSecretary
Craig M LivergoodTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$22,407,238
Investment Income
$12,440
Other Revenue
$0
Change in Net Assets
$-522,912

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,419,678
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$22,419,678
Total Revenue per Form 990
$22,419,678
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$87,261
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$22,855,329--$22,855,329
Fees for Services Other-$82,161-$82,161
Fees for Services Accounting-$5,100-$5,100
Total Functional Expenses$22,855,329$87,261$0$22,942,590

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$22,942,590
Total Expenses per Audited Statements$22,942,590
Total Expenses per Form 990$22,942,590
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“The trust has engaged a third-party administrator (tpa), to perform day-to-day management functions. The tpa bills the trust for actual claims and their administrative costs. The trust also uses an external consultant to calculate member premiums and act as the intermediary between the trust and the tpa.”

Form 990, Part VI, Section A, Line 6

“The organization consists of ten member districts.”

Form 990, Part VI, Section A, Line 7A

“The board of directors is comprised of two representatives for each participating member districts.”

Form 990, Part VI, Section A, Line 8B

“The board does not have any committees with the authority to act on behalf of the governing body.”

Form 990, Part VI, Section B, Line 11B

“The organization's treasurer is responsible for review of the 990. A draft form 990 is provided to all board members prior to filing.”

Form 990, Part VI, Section C, Line 19

“The organizations financial statements, trust agreement, and federal form 990 is available at the main office for public inspection.”

Filing and Contact Details

Filer

Filer Name
Tuscarora Intermediate Unit Capital
EIN
25-1797771
Phone
8143592793
Address
540 N HARRISON ROAD, PLEASANT GAP, PA 16823

Signing Officer

Name
Craig M Livergood
Title
Treasurer
Phone
8143592793
Signed
2022-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Craig M Livergood
Formed
1996
Legal Domicile
Pa
Voting Board Members
20
Independent Board Members
20
Employees
0
Volunteers
20

Preparer

Firm
Baker Tilly US Llp
Address
1570 FRUITVILLE PIKE SUITE 400, LANCASTER, PA 17601
Preparer
Kerri N Bogda CPA
Phone
7177404863
Raw XML AppendixShowing 400 of 427 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR (UNTIL JUNE 21')
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR (UNTIL JULY 20')
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR (UNTIL JAN. 21')
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IRS990/GoverningBodyVotingMembersCnt020
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IRS990/GrossReceiptsAmt022419678
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IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO CONTAIN HEALTH CARE COSTS FOR MEMBER SCHOOL DISTRICTS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt04643233
IRS990/NetAssetsOrFundBalancesEOYAmt04120321
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IRS990/PrincipalOfficerNm0CRAIG M LIVERGOOD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525920
IRS990/ProgramServiceRevenueGrp/BusinessCd1525920
IRS990/ProgramServiceRevenueGrp/Desc0MEMBER DISTRICT CONTRIBUTIONS
IRS990/ProgramServiceRevenueGrp/Desc1STOP LOSS CLAIMS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt020514972
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11892266
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt020514972
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11892266
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt021097937
IRS990/PYContributionsGrantsAmt00
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt063660
IRS990/PYOtherExpensesAmt088352
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt021766750
IRS990/PYRevenuesLessExpensesAmt0644121
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt021186289
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt021830410
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-522912
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
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IRS990/ReportLandBuildingEquipmentInd00
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04643233
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt03911128
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IRS990ScheduleD/ExpensesNotReportedAmt00
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IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt022419678
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt022942590
IRS990ScheduleD/TotalRevenuePerForm990Amt022419678
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt022419678
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt022942590
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE TRUST HAS ENGAGED A THIRD-PARTY ADMINISTRATOR (TPA), TO PERFORM DAY-TO-DAY MANAGEMENT FUNCTIONS. THE TPA BILLS THE TRUST FOR ACTUAL CLAIMS AND THEIR ADMINISTRATIVE COSTS. THE TRUST ALSO USES AN EXTERNAL CONSULTANT TO CALCULATE MEMBER PREMIUMS AND ACT AS THE INTERMEDIARY BETWEEN THE TRUST AND THE TPA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION CONSISTS OF TEN MEMBER DISTRICTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS COMPRISED OF TWO REPRESENTATIVES FOR EACH PARTICIPATING MEMBER DISTRICTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD DOES NOT HAVE ANY COMMITTEES WITH THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION'S TREASURER IS RESPONSIBLE FOR REVIEW OF THE 990. A DRAFT FORM 990 IS PROVIDED TO ALL BOARD MEMBERS PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATIONS FINANCIAL STATEMENTS, TRUST AGREEMENT, AND FEDERAL FORM 990 IS AVAILABLE AT THE MAIN OFFICE FOR PUBLIC INSPECTION.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
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IRS990/SignificantNewProgramSrvcInd00
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IRS990/SubjectToProxyTaxInd00
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IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
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IRS990/TotalAssetsGrp/EOYAmt04120321
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt087261
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt022855329
IRS990/TotalFunctionalExpensesGrp/TotalAmt022942590
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IRS990/TotalLiabilitiesEOYAmt00
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IRS990/TotalProgramServiceRevenueAmt022407238
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt012440
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt022407238
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt022419678
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt020
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04643233
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04120321
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0540 N HARRISON ROAD
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IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd016823
IRS990/VotingMembersGoverningBodyCnt020
IRS990/VotingMembersIndependentCnt020
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
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ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CRAIG M LIVERGOOD
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,120,321
Liabilities
$0
Net assets
$4,120,321
Revenue
$22,419,678
Expenses
$22,942,590
Net income
-$522,912
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.41$0.00$1.41$21.8$24.1$2.22
2023Detailed filing. Detailed filing data is available for this year.$3.63$0.00$3.63$22.5$21.5$1.01
2022Detailed filing. Detailed filing data is available for this year.$2.62$0.00$2.62$24.4$25.9$1.50
2021Detailed filing. Detailed filing data is available for this year.$4.12$0.00$4.12$22.4$22.9$0.52
2020Detailed filing. Detailed filing data is available for this year.$4.64$0.00$4.64$21.8$21.2$0.64
2019Detailed filing. Detailed filing data is available for this year.$4.00$0.00$4.00$21.5$20.4$1.10
2018Detailed filing. Detailed filing data is available for this year.$2.90$0.00$2.90$19.6$19.1$0.54
2017Detailed filing. Detailed filing data is available for this year.$2.36$0.00$2.36$18.2$19.0$0.82
2016Detailed filing. Detailed filing data is available for this year.$3.18$0.00$3.18$14.4$14.7$0.23
2015Detailed filing. Detailed filing data is available for this year.$3.41$0.00$3.41$11.0$10.7$0.36
2014Detailed filing. Detailed filing data is available for this year.$3.06$0.00$3.06$11.4$11.6$0.17
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.23$0.00$3.23$10.8
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.20$0.00$3.20$11.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.37$0.00$3.37$10.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.51$0.00$1.51$10.1