Missouri Medical Malpractice Joint Underwriting Association (EIN 010815695) - 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

2004

Legal Domicile

Phone

8665861693

Tax Period

2024-01-01 to 2024-12-31

Missouri Medical Malpractice Joint Underwriting Association, founded in 2004, is a micro nonprofit that reported $98K in total revenue in fiscal year 2024. Revenue fell 37% from the prior year — a significant decline worth monitoring. Expenses of $341K exceeded revenue, resulting in a 247% operating deficit.

Mission

The organization was formed by the State of Missouri upon determination that medical malpractice insurance coverage was not reasonably available in the state. The organization offers medical malpractice insurance coverage to those that meet eligibility requirements.

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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 $10,982

Investment Income $87,224

Other Revenue $0

TOTAL REVENUE $98,206

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $341,007

TOTAL EXPENSES $341,007

Year-over-Year Comparison

	2024	2023	Change
Revenue	$98,206	$155,700	-0.4%
Expenses	$341,007	$451,076	-0.2%
Net Income	$-242,801	$-295,376	-0.2%

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

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	Role	Reportable Comp	Other Comp	Total
Andi Lockridge	Secretary/Treasurer	Officer Director	$0	$0	$0
Brian Waller	Chairman	Officer Director	$0	$0	$0
Michael Stern	Vice-Chairman	Officer Director	$0	$0	$0
Aaron Angel	Board Member	Director	$0	$0	$0
Chelsea Chaney	Board Member	Director	$0	$0	$0
Dean Trachsel	Board Member	Director	$0	$0	$0
Jess Alanis	Board Member	Director	$0	$0	$0
Kim Decker	Board Member	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
2024	$98,206	$341,007	$2,594,716	$-242,801
2023	$155,700	$451,076	$2,851,412	$-295,376
2022	$139,331	$-247,391	$3,009,055	$386,722
2021	$203,414	$-702,460	$3,136,808	$905,874
2020	$372,319	$66,365	$3,605,448	$305,954
2019	$362,097	$1,869,358	$4,013,102	$-1,507,261

Missouri Medical Malpractice Joint Underwriting Association