Insurance Institute for Business & Home Safety (EIN 232049143) - 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

1977

Legal Domicile

Principal Officer

Roy Wright

Phone

8037233600

Tax Period

2024-01-01 to 2024-12-31

Insurance Institute for Business & Home Safety, founded in 1977, is a mid-sized nonprofit in the Public Safety sector that reported $26.0M in total revenue in fiscal year 2024. Expenses of $23.3M left a modest 10% surplus.

Mission

IBHS conducts research to help protect homes and businesses against various causes of loss.

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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 $22,328,633

Program Service Revenue $2,665,823

Investment Income $1,010,742

Other Revenue $0

TOTAL REVENUE $26,005,198

Expense Breakdown

Grants Paid $0

Salaries & Benefits $14,003,482

Fundraising Expenses $0

Program Expenses $17,026,074

Other Expenses $9,279,892

TOTAL EXPENSES $23,283,374

Year-over-Year Comparison

	2024	2023	Change
Revenue	$26,005,198	$24,224,700	+0.1%
Expenses	$23,283,374	$20,190,205	+0.2%
Net Income	$2,721,824	$4,034,495	-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

100

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

$2,573,068

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ryan Vigus	Director - Chair	4.00	Officer Director	$0	$0	$0
Brad Lemons	Director - Vice Chair	2.00	Officer Director	$0	$0	$0
Greg Pannhausen	Director - Vice Chair	2.00	Officer Director	$0	$0	$0
General Bill Cooney	Chairman Emeritus	2.00	Director	$0	$0	$0
Allen Anderson	Director	2.00	Director	$0	$0	$0
Gavin Blair	Director	2.00	Director	$0	$0	$0
Patrick Causgrove	Director	2.00	Director	$0	$0	$0
Rockne Corbin	Director	2.00	Director	$0	$0	$0
Lucca Chin	Director	2.00	Director	$0	$0	$0
Will Downs	Director	2.00	Director	$0	$0	$0
David Elkins	Director	2.00	Director	$0	$0	$0
Nicole Forziati	Director	2.00	Director	$0	$0	$0
Gina Hardy	Director	2.00	Director	$0	$0	$0
J Smith Smitty Harrison Jr	Director	2.00	Director	$0	$0	$0
Jonathan Imhoff	Director	2.00	Director	$0	$0	$0
Katie Irey	Director	2.00	Director	$0	$0	$0
Chris Karacalidis	Director	2.00	Director	$0	$0	$0
Andrea Lindemeyer	Director	2.00	Director	$0	$0	$0
Patrick McCrink	Director	2.00	Director	$0	$0	$0
Erin Morris	Director	2.00	Director	$0	$0	$0
Eric Nelson	Director	2.00	Director	$0	$0	$0
Mohit Pande	Director	2.00	Director	$0	$0	$0
Jennifer Pintacuda	Director	2.00	Director	$0	$0	$0
Ben Potter	Director	2.00	Director	$0	$0	$0
Michael Quigley	Director	2.00	Director	$0	$0	$0
Jeff Schroeder	Director	2.00	Director	$0	$0	$0
Shariq Shafi	Director	2.00	Director	$0	$0	$0
Edmund Shallcross III	Director	2.00	Director	$0	$0	$0
Sarah Shine	Director	2.00	Director	$0	$0	$0
Michael Steinman	Director	2.00	Director	$0	$0	$0
Craig Tillman	Director	2.00	Director	$0	$0	$0
James Whamond	Director	2.00	Director	$0	$0	$0
Roy Wright	President/CEO	40.00	Officer	$987,903	$97,528	$1,085,431
Anne Cope	Chief Engineer/SVP	40.00	Officer	$391,700	$59,553	$451,253
Alister Watt	Chief Product Officer/SVP	40.00	Officer	$372,659	$37,121	$409,780
Pam Levenstone	Treasurer/CFO	40.00	Officer	$276,464	$55,248	$331,712
Michael Newman	Secretary/General Counsel	40.00	Officer	$277,820	$17,072	$294,892
Murray Morrison	Managing Director of Research	40.00	Highest	$269,984	$42,821	$312,805
Fred Malik	Managing Director of FORTIFIED	40.00	Highest	$261,402	$52,121	$313,523
Chuck Miccollis	Managing Director of Commercial Lines	40.00	Highest	$247,683	$23,883	$271,566
Christopher Flynn	General Manager, Research Center	40.00	Highest	$220,667	$47,576	$268,243
Connie Bryant Breedlove	Managing Director of Communications	40.00	Highest	$216,531	$30,763	$247,294

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	No data	No data	No data	No data
2024	$26,005,198	$23,283,374	$55,913,758	$2,721,824
2023	$24,224,700	$20,190,205	$52,558,596	$4,034,495
2022	$23,871,382	$18,073,681	$48,227,581	$5,797,701
2022	$23,871,382	$18,073,681	$48,227,581	$5,797,701
2021	$15,989,228	$17,615,667	$44,460,311	$-1,626,439
2020	$17,445,036	$15,652,432	$47,000,529	$1,792,604
2019	$17,454,926	$15,788,541	$44,743,620	$1,666,385
2018	$14,313,413	$13,760,754	$42,356,105	$552,659

Insurance Institute for Business & Home Safety