INTERNATIONAL TRADE SURETY ASSOC IN (EIN 202021556) - 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

2014

Legal Domicile

Tax Period

2025-01-01 to 2025-12-31

INTERNATIONAL TRADE SURETY ASSOC IN, founded in 2014, is a micro nonprofit in the Community Improvement sector that reported $85K in total revenue in fiscal year 2025. Revenue decreased 20% compared to the prior year. The organization ran a surplus of $15K, a strong 18% operating margin.

Mission

ITSA PROVIDES INFORMATION TO MEMBERSHIP THROUGH SEMINARS ITSA ALSO MONITORS LEGISLATURE AS TO THE LAWS THAT AFFECT THEIR MEMBERSHIPS MADE UP OF SURETY COMPANY, AGENTS AND ATTORNEYS WHO OPERATE IN THE GENERAL FIELD OF SURETY BONDING

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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 (2025)

Revenue Breakdown

Contributions & Grants $85,000

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $85,000

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $69,672

Other Expenses $69,672

TOTAL EXPENSES $69,672

Year-over-Year Comparison

	2025	2024	Change
Revenue	$85,000	$106,250	-0.2%
Expenses	$69,672	$79,906	-0.1%
Net Income	$15,328	$26,344	-0.4%

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
MATTHEW ZEHNER	PRESIDENT	6.00	Officer Director	$0	$0	$0
GABRIELA CRAVER	SECRETARY	6.00	Officer Director	$0	$0	$0
MICHELLE LUCACCIONI	TREASURER	6.00	Officer 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
2025	$85,000	$69,672	$146,220	$15,328
2024	$106,250	$79,906	$130,892	$26,344
2023	$56,250	$60,192	$104,548	$-3,942
2022	$106,250	$101,980	$108,490	$4,270
2021	$60,000	$97,633	$54,220	$-37,633
2020	$100,000	$72,055	$69,948	$27,945
2019	$100,000	$68,515	$54,504	$31,485

INTERNATIONAL TRADE SURETY ASSOC IN