WYOMING INSURANCE GUARANTY ASSOCIA… - Form 990 Financial Data

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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

1971

Legal Domicile

Principal Officer

Chad Anderson

Phone

3037595066

Tax Period

2025-01-01 to 2025-12-31

WYOMING INSURANCE GUARANTY ASSOCIATION, founded in 1971, is a micro nonprofit that reported $49K in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. Expenses of $108K exceeded revenue, resulting in a 121% operating deficit.

Mission

To efficiently pay covered claims of policyholders and claimants of insolvent property and casualty insurers according to Wyoming's guaranty act in cooperation with regulators and receivers, while responsibly managing the funds of the association.

Program Service Accomplishments

Program 1

Expenses: $108,221 Revenue: $0

Wyoming Insurance Guaranty Association reviewed 1 claim file in 2025 and had 1 claim pending at year end. Over 30 checks were issued to claimants and providers during 2025.

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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 $0

Program Service Revenue $0

Investment Income $48,875

Other Revenue $0

TOTAL REVENUE $48,875

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $108,221

Other Expenses $108,221

TOTAL EXPENSES $108,221

Year-over-Year Comparison

	2025	2024	Change
Revenue	$48,875	$57,828	-0.2%
Expenses	$108,221	$92,179	+0.2%
Net Income	$-59,346	$-34,351	+0.7%

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
N/A	Board Chair	1	Director	$0	$0	$0
N/A	Board Vice Chair	1	Director	$0	$0	$0
N/A	Board Member	1	Director	$0	$0	$0
N/A	Board Member	1	Director	$0	$0	$0
N/A	Board Member	1	Director	$0	$0	$0
N/A	Board Member	1	Director	$0	$0	$0
N/A	Board Member	1	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	$48,875	$108,221	$1,471,949	$-59,346
2024	$57,828	$92,179	$1,531,295	$-34,351
2023	$55,508	$81,128	$1,565,646	$-25,620
2022	$9,280	$80,795	$1,591,266	$-71,515
2021	$74,045	$79,249	$1,662,781	$-5,204
2020	$21,024	$88,728	$1,667,985	$-67,704
2019	$242,399	$76,213	$1,735,689	$166,186
2018	$81,906	$82,508	$1,569,503	$-602

WYOMING INSURANCE GUARANTY ASSOCIATION