Wyoming Chambers Health Benefit Association (EIN 208856052) - 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

2007

Legal Domicile

Principal Officer

Gail Lofing

Phone

3076823673

Tax Period

2024-07-01 to 2025-06-30

Wyoming Chambers Health Benefit Association, founded in 2007, is a community nonprofit in the Community Improvement sector that reported $5.6M in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year.

Mission

To provide health insurance to employees of participating employers

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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 $5,556,365

Investment Income $53,539

Other Revenue $0

TOTAL REVENUE $5,609,904

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $5,486,933

Other Expenses $5,965,951

TOTAL EXPENSES $5,965,951

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,609,904	$6,069,545	-0.1%
Expenses	$5,965,951	$6,159,112	0.0%
Net Income	$-356,047	$-89,567	+3.0%

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
Jim Schellinger	Chairman	1.00	Officer Director	$0	$0	$0
Bob Gates	Trustee chairman	1.00	Officer Director	$0	$0	$0
Tom Belus	Trustee	1.00	Officer Director	$0	$0	$0
Chris Skiver	Treasurer	1.00	Director	$0	$0	$0
Dixie Johnson	Member	1.00	Director	$0	$0	$0
Tina Hoebelheinrich	Member	1.00	Director	$0	$0	$0
Ruth Dugger	Member	1.00	Director	$0	$0	$0
Meri Ann Dorman	Member	1.00	Director	$0	$0	$0
Owen Sweeney	Member	1.00	Director	$0	$0	$0
Rebekah Burns	Member	1.00	Director	$0	$0	$0
Rick Lee	Member	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
2025	$5,609,904	$5,965,951	$1,127,580	$-356,047
2024	No data	No data	No data	No data
2023	$5,755,961	$5,596,382	$1,723,839	$159,579
2022	$5,423,028	$6,472,495	$1,738,673	$-1,049,467
2021	$5,111,173	$5,399,125	$3,153,493	$-287,952
2020	$4,640,779	$4,583,484	$3,262,310	$57,295
2018	$3,055,345	$2,847,466	$2,465,453	$207,879

Wyoming Chambers Health Benefit Association