INLAND MARINE UNDERWRITERS ASSOCIATION (EIN 135564002) - 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

1931

Legal Domicile

Principal Officer

KEVIN O'BRIEN

Phone

2122330550

Tax Period

2023-01-01 to 2023-12-31

INLAND MARINE UNDERWRITERS ASSOCIATION, founded in 1931, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2023. Revenue grew 13% year-over-year, indicating healthy expansion.

Mission

IMUA SERVES AS THE COLLECTIVE VOICE OF THE U.S. INLAND MARINE INSURANCE INDUSTRY.

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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 $1,333,296

Investment Income $12,342

Other Revenue $11,577

TOTAL REVENUE $1,357,215

Expense Breakdown

Grants Paid $0

Salaries & Benefits $594,759

Fundraising Expenses $0

Other Expenses $815,182

TOTAL EXPENSES $1,409,941

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,357,215	$1,199,794	+0.1%
Expenses	$1,409,941	$1,243,575	+0.1%
Net Income	$-52,726	$-43,781	+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

Volunteers

190

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

$499,299

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANTHONY FALCONE DEPUTY CHAIR	(THRU MAY 2023), CHAIR	1.50	Officer Director	$0	$0	$0
ARTHUR SIEDER	VICE CHAIR (THRU MAY 2023), DEPUTY CHAIR	1.50	Officer Director	$0	$0	$0
SHARON PRIMERANO	DIRECTOR (THRU MAY 2023), VICE CHAIR	1.50	Officer Director	$0	$0	$0
DREW CADELLI	DIRECTOR (THRU MAY 2023)	1.00	Director	$0	$0	$0
ANNE CALIENTO	DIRECTOR	1.00	Director	$0	$0	$0
BRADLEY CAMERON	DIRECTOR	1.00	Director	$0	$0	$0
JESSICA FRANKOVICH	CHAIR (THRU MAY 2023), DIRECTOR	1.00	Director	$0	$0	$0
VICKY HARTMAN	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE HOEHN	DIRECTOR	1.00	Director	$0	$0	$0
JOSH JENNINGS	DIRECTOR	1.00	Director	$0	$0	$0
BRUCE S JERVIS	DIRECTOR	1.00	Director	$0	$0	$0
JON MOSBY	DIRECTOR	1.00	Director	$0	$0	$0
ALEXANDER MCGINLEY	DIRECTOR	1.00	Director	$0	$0	$0
PAUL ORSI	DIRECTOR	1.00	Director	$0	$0	$0
MIKE PERROTTI	DIRECTOR (THRU MAY 2023)	1.00	Director	$0	$0	$0
RANDY SCHLOSSER	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD SOJA	DIRECTOR	1.00	Director	$0	$0	$0
BEN TUTTLE	DIRECTOR	1.00	Director	$0	$0	$0
LILLIAN COLSON	VICE PRESIDENT/SECRETARY	40.00	Officer	$167,569	$38,623	$206,192
KEVIN O'BRIEN	PRESIDENT/CEO	40.00	Officer	$277,570	$15,537	$293,107

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	$1,357,215	$1,409,941	$1,266,624	$-52,726
2022	$1,199,794	$1,243,575	$1,138,925	$-43,781
2021	$994,027	$973,823	$1,276,297	$20,204
2020	$901,871	$922,564	$1,075,888	$-20,693
2019	$1,153,765	$1,127,221	$1,120,423	$26,544
2018	$1,194,841	$1,170,826	$1,178,332	$24,015

INLAND MARINE UNDERWRITERS ASSOCIATION