NORTH AMERICAN PET HEALTH INSURANCE ASSOCIATION (NAPHIA) (EIN 261350065) - 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

RICK FAUCHER

Phone

8779627442

Tax Period

2023-01-01 to 2023-12-31

NORTH AMERICAN PET HEALTH INSURANCE ASSOCIATION (NAPHIA), founded in 2007, is a community nonprofit in the Community Improvement sector that reported $1.1M in total revenue in fiscal year 2023. Revenue surged 71% from the prior year, signaling strong growth momentum. The organization ran a surplus of $290K, a strong 26% operating margin.

Mission

THE NORTH AMERICAN PET HEALTH INSURANCE ASSOCIATION IS COMMITTED TO EDUCATING AND PROMOTING TO NORTH AMERICAN PET OWNERS, THE GENERAL PUBLIC, AND THE VETERINARY PROFESSION (INCLUDING PET HEALTH RELATED ORGANIZATIONS), ABOUT THE VALUES AND BENEFITS OF PET HEALTH INSURANCE.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $730,255

Investment Income $0

Other Revenue $393,748

TOTAL REVENUE $1,124,003

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $834,305

TOTAL EXPENSES $834,305

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,124,003	$655,689	+0.7%
Expenses	$834,305	$634,696	+0.3%
Net Income	$289,698	$20,993	+12.8%

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
COURTNEY ALGEO	BOARD MEMBER	N/A	Director	$0	$0	$0
TOM BEAN	BOARD MEMBER	N/A	Director	$0	$0	$0
STEVEN BEATTIE	BOARD MEMBER	N/A	Director	$0	$0	$0
CHAD BELLIN	BOARD MEMBER	N/A	Director	$0	$0	$0
LOGAN BITTER	BOARD MEMBER	N/A	Director	$0	$0	$0
RYAN CANTOR	BOARD MEMBER	N/A	Director	$0	$0	$0
BOB CAPOBIANCO	BM SEC/TRESU	N/A	Officer Director	$0	$0	$0
RICK FAUCHER	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
TREY FERRO	BOARD MEMBER	N/A	Director	$0	$0	$0
ALISON FOXWORTH	BOARD MEMBER	N/A	Director	$0	$0	$0
JULIE GALANTE	BOARD MEMBER	N/A	Director	$0	$0	$0
NICK GATT	BOARD MEMBER	N/A	Director	$0	$0	$0
MELISSA GUTIERREZ	BOARD MEMBER	N/A	Director	$0	$0	$0
BRIAN HARLEY	BOARD MEMBER	N/A	Director	$0	$0	$0
BILL HORN	BOARD MEMBER	N/A	Director	$0	$0	$0
ROBERT JACKSON	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
ANGELA JONES	BOARD MEMBER	N/A	Director	$0	$0	$0
CARLI JULIO	BOARD MEMBER	N/A	Director	$0	$0	$0
LIOR KEREN	BOARD MEMBER	N/A	Director	$0	$0	$0
KENNETH KUHN	BOARD MEMBER	N/A	Director	$0	$0	$0
CHRISTINE LANGAN	BOARD MEMBER	N/A	Director	$0	$0	$0
CONNOR LIND	BOARD MEMBER	N/A	Director	$0	$0	$0
BRIAN MACIAS	BOARD MEMBER	N/A	Director	$0	$0	$0
CASEY MASTERS	BOARD MEMBER	N/A	Director	$0	$0	$0
DEBORAH MEYERS	BOARD MEMBER	N/A	Director	$0	$0	$0
MICHAEL MORANT	BOARD MEMBER	N/A	Director	$0	$0	$0
JENNIFER NOCCO	BOARD MEMBER	N/A	Director	$0	$0	$0
DARRYL RAWLINGS	BOARD MEMEBE	N/A	Director	$0	$0	$0
KATIE RUDOLPH	BOARD MEMBER	N/A	Director	$0	$0	$0
FRANKLIN SANDERS	BOARD MEMB	N/A	Director	$0	$0	$0
DAVE SEFCIK	BOARD MEMBER	N/A	Director	$0	$0	$0
LAUREN TERPENING	BOARD MEMBER	N/A	Director	$0	$0	$0
MICHAEL WALLING	BOARD MEMBER	N/A	Director	$0	$0	$0
STEVE WEINRAUCH	BOARD MEMBER	N/A	Director	$0	$0	$0
KRISTEN LYNCH	EXECUTIVE DI	N/A	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
2024	No data	No data	No data	No data
2023	$1,124,003	$834,305	$958,190	$289,698
2022	$655,689	$634,696	$1,027,458	$20,993
2021	$615,535	$620,300	$705,266	$-4,765
2020	$549,500	$587,395	$493,492	$-37,895
2019	$436,918	$517,502	$420,531	$-80,584
2018	$314,930	$231,295	$401,388	$83,635

NORTH AMERICAN PET HEALTH INSURANCE ASSOCIATION (NAPHIA)