INSURANCE CLUB OF BUFFALO INC (EIN 161384776) - 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

1953

Legal Domicile

Principal Officer

CRISTIN TYLER

Phone

7164917928

Tax Period

2024-09-01 to 2025-08-31

INSURANCE CLUB OF BUFFALO INC, founded in 1953, is a small nonprofit that reported $542K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $490K left a modest 10% surplus.

Mission

ORGANIZE SEMINARS & PROGRAMS FOR MEMBERS IN 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $542,350

Investment Income $57

Other Revenue $0

TOTAL REVENUE $542,407

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $490,197

Other Expenses $490,198

TOTAL EXPENSES $490,198

Year-over-Year Comparison

	2024	2023	Change
Revenue	$542,407	$497,197	+0.1%
Expenses	$490,198	$417,929	+0.2%
Net Income	$52,209	$79,268	-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

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
TRACEY COUPE	DIRECTOR	1.00	Director	$0	$0	$0
ASHLEY ENGL	DIRECTOR	1.00	Director	$0	$0	$0
FRASER MCINTYRE	DIRECTOR	1.00	Director	$0	$0	$0
SEAN CORNELIUS	DIRECTOR	1.00	Director	$0	$0	$0
PAUL MURDIE	DIRECTOR	1.00	Director	$0	$0	$0
MARY ROBINSON	DIRECTOR	1.00	Director	$0	$0	$0
DAVE PIETROWSKI	PAST PRESIDENT COUNSEL	1.00	Director	$0	$0	$0
MATT GORTZIG	PAST PRESIDENT COUNSEL	1.00	Director	$0	$0	$0
SCOTT DOBOSZ	PAST PRESIDENT COUNSEL	1.00	Director	$0	$0	$0
JEFF SIEBERT	DIRECTOR	1.00	Director	$0	$0	$0
LAUREN CZORA	DIRECTOR	1.00	Director	$0	$0	$0
DAVE CAMPESE	DIRECTOR	1.00	Director	$0	$0	$0
SAMUEL WEBSTER	DIRECTOR	1.00	Director	$0	$0	$0
NATALIE GOLUBSKI	SECRETARY	1.00	Officer	$0	$0	$0
DANIEL MARMION	VICE PRESIDENT	1.00	Officer	$0	$0	$0
AUDREY WEBB	PAST PRESIDENT COUNSEL	1.00	Officer	$0	$0	$0
JONATHAN BYRWA	TREASURER	1.00	Officer	$0	$0	$0
MARK GARVELLI	PRESIDENT	1.00	Officer	$0	$0	$0
AALOK KARAMBELKAR	LEGAL COUNSEL	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	$542,407	$490,198	$374,839	$52,209
2024	$497,197	$417,929	$322,630	$79,268
2023	$125,347	$325,274	$243,362	$-199,927
2022	$46	$33,039	$443,289	$-32,993
2021	$64	$35,470	$476,282	$-35,406
2020	$343,378	$109,209	$511,688	$234,169
2019	$404,279	$409,271	$278,273	$-4,992
2018	$328,933	$330,023	$282,511	$-1,090

INSURANCE CLUB OF BUFFALO INC