INDEPENDENT INSURANCE AGENTS OF WESTCHESTER (EIN 133229227) - 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

1928

Legal Domicile

Phone

9149391200

Tax Period

2024-07-01 to 2025-06-30

INDEPENDENT INSURANCE AGENTS OF WESTCHESTER, founded in 1928, is a small nonprofit that reported $145K in total revenue in fiscal year 2024. Revenue decreased 11% compared to the prior year. Expenses of $128K left a modest 12% surplus.

Mission

INFORMATIVE ISSUES BROUGHT TO INSURANCE AGENTS FOR BETTERMENT.

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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 $20,773

Program Service Revenue $124,113

Investment Income $11

Other Revenue $0

TOTAL REVENUE $144,897

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $125,846

Other Expenses $128,166

TOTAL EXPENSES $128,166

Year-over-Year Comparison

	2024	2023	Change
Revenue	$144,897	$162,253	-0.1%
Expenses	$128,166	$168,836	-0.2%
Net Income	$16,731	$-6,583	-3.5%

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
ADAM ANTOINETTE	PAST PRESIDENT	1.00	Director	$0	$0	$0
BRIAN EIFERT	DIRECTOR	1.00	Director	$0	$0	$0
LAURA MURRAY-FAGGELLA	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL MILANO	DIRECTOR	1.00	Director	$0	$0	$0
KEN FUIRST	DIRECTOR	1.00	Director	$0	$0	$0
JOHN RILEY	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL MCEVILY	DIRECTOR	1.00	Director	$0	$0	$0
JANINE ANDROS	DIRECTOR	1.00	Director	$0	$0	$0
SAM KESTENBAUM	DIRECTOR	1.00	Director	$0	$0	$0
GLENN BINDAY	PRESIDENT	1.00	Officer	$0	$0	$0
TYLER BROWN	VICE PRESIDENT	1.00	Officer	$0	$0	$0
CARL RANIERI	SECRETARYTREASURER	1.00	Officer	$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	$144,897	$128,166	$48,720	$16,731
2024	No data	No data	No data	No data
2023	$170,329	$161,078	$38,572	$9,251
2022	$164,535	$160,588	$29,321	$3,947
2021	$69,938	$81,579	$25,374	$-11,641
2020	$101,223	$90,166	$37,015	$11,057
2019	$163,628	$158,868	$25,958	$4,760
2018	$161,536	$176,407	$21,198	$-14,871

INDEPENDENT INSURANCE AGENTS OF WESTCHESTER