NEW ENGLAND AUTOMOBILE DEALERS INSURANCE TRUST (EIN 042084077) - 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

1951

Legal Domicile

Principal Officer

CHARLES A MUISE

Phone

7817066944

Tax Period

2023-01-01 to 2023-12-31

NEW ENGLAND AUTOMOBILE DEALERS INSURANCE TRUST, founded in 1951, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year.

Mission

TO PROVIDE QUALITY DENTAL AND LIFE INSURANCE BEENFTIS TO MEMBERS AT COMPARATIVE RATES

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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 $2,027,426

Investment Income $0

Other Revenue $0

TOTAL REVENUE $2,027,426

Expense Breakdown

Grants Paid $0

Salaries & Benefits $59,235

Fundraising Expenses $0

Program Expenses $1,900,052

Other Expenses $168,611

TOTAL EXPENSES $2,014,374

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,027,426	$2,180,158	-0.1%
Expenses	$2,014,374	$2,161,082	-0.1%
Net Income	$13,052	$19,076	-0.3%

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

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

$55,773

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLIE A MUISE	GENERAL MANAGING TRUSTEE	40.00	Director	$42,779	$12,994	$55,773
ROBERT VALENTI	TRUSTEE	1.00	Director	$0	$0	$0
DAVID ABATSIS	TRUSTEE	1.00	Director	$0	$0	$0
JERRY CHASE JR	TRUSTEE	1.00	Director	$0	$0	$0
RICK BLASSER	TRUSTEE	1.00	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	No data	No data	No data	No data
2023	$2,027,426	$2,014,374	$360,693	$13,052
2022	$2,180,158	$2,161,082	$326,143	$19,076
2021	$2,171,015	$2,202,646	$340,006	$-31,631
2020	$2,335,620	$2,323,711	$360,886	$11,909
2019	$2,401,506	$2,401,209	$344,312	$297
2018	$2,454,202	$2,457,593	$338,503	$-3,391

NEW ENGLAND AUTOMOBILE DEALERS INSURANCE TRUST