DEPOSITORS INSURANCE FUND (EIN 041647690) - 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

1932

Legal Domicile

Principal Officer

JUDITH M JAVIDPOUR

Phone

7819381984

Tax Period

2023-11-01 to 2024-10-31

DEPOSITORS INSURANCE FUND, founded in 1932, is a mid-sized nonprofit that reported $15.0M in total revenue in fiscal year 2023. Revenue surged 58% from the prior year, signaling strong growth momentum. The organization ran a surplus of $11.0M, a strong 74% operating margin.

Mission

INSURES THOSE DEPOSITS IN EXCESS OF THE FDIC LIMITS AND ALSO PROVIDES TEMPORARY LIQUIDITY TO MEMBER BANKS BY MAKING LOANS TO THEM, SECURED BY MEMBER BANKS' ASSETS.

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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 $0

Investment Income $14,995,248

Other Revenue $0

TOTAL REVENUE $14,995,248

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,895,152

Fundraising Expenses $0

Other Expenses $1,056,573

TOTAL EXPENSES $3,951,725

Year-over-Year Comparison

	2023	2022	Change
Revenue	$14,995,248	$9,489,601	+0.6%
Expenses	$3,951,725	$3,835,372	+0.0%
Net Income	$11,043,523	$5,654,229	+1.0%

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

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

$2,229,236

Total Directors

$120,800

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW J RACZKA ENDED 92024	DIRECTOR	2.00	Director	$12,100	$0	$12,100
DAVID G FALWELL	DIRECTOR	2.00	Director	$8,000	$0	$8,000
DONNA BOULANGER ENDED 32024	DIRECTOR	2.00	Director	$11,800	$0	$11,800
EDWARD F MANZI JR	DIRECTOR	2.00	Director	$15,100	$0	$15,100
JEFFREY WORTH	DIRECTOR	2.00	Director	$10,800	$0	$10,800
PETER G BROWN	DIRECTOR	2.00	Director	$16,500	$0	$16,500
RAIJA L VAISANEN	DIRECTOR	2.00	Director	$8,500	$0	$8,500
ROBERT S KARAM	DIRECTOR	2.00	Director	$4,000	$0	$4,000
ROBERT W TERRAVECCHIA JR	DIRECTOR	2.00	Director	$17,000	$0	$17,000
ROBERT J FRASER	DIRECTOR	2.00	Director	$5,500	$0	$5,500
CAROL MCCLINTOCK	DIRECTOR	2.00	Director	$5,500	$0	$5,500
MEG MCISAAC	DIRECTOR	2.00	Director	$6,000	$0	$6,000
KAZ BORAWSKI AS OF 32024	DIRECTOR	2.00	Director	$0	$0	$0
JOE BAPTISTA AS OF 92024	DIRECTOR	2.00	Director	$0	$0	$0
ANDREW CALAMARE	PRESIDENT AND CEO	35.00	Officer	$908,468	$75,269	$983,737
ANNEMARIE LEE	VICE PRESIDENT	35.00	Officer	$196,158	$74,647	$270,805
JUDITH JAVIDPOUR	EVP, CFO & TREASURER	35.00	Officer	$379,885	$82,635	$462,520
KARA M MCNAMARA	SENIOR VICE PRESIDENT	30.00	Officer	$188,759	$77,024	$265,783
MATTHEW P CALNAN	SENIOR VICE PRESIDENT	35.00	Officer	$168,612	$77,779	$246,391
MAURA VILLANOVA	REPORTS SPECIALIST	35.00	Highest	$104,655	$50,242	$154,897

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	$14,995,248	$3,951,725	$551,241,640	$11,043,523
2023	$9,489,601	$3,835,372	$518,011,299	$5,654,229
2022	$5,779,138	$3,835,675	$500,673,236	$1,943,463
2021	$6,907,559	$4,735,206	$526,717,944	$2,172,353
2020	$9,226,126	$5,117,483	$524,726,543	$4,108,643
2019	$7,847,529	$4,180,741	$406,939,558	$3,666,788
2018	$6,363,251	$4,207,766	$390,445,439	$2,155,485

DEPOSITORS INSURANCE FUND