ISTA Insurance Trust (EIN 311151545) - 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

1985

Legal Domicile

Phone

3172633400

Tax Period

2024-09-01 to 2025-08-31

ISTA Insurance Trust, founded in 1985, is a micro nonprofit that reported $21K in total revenue in fiscal year 2024. Revenue fell 50% from the prior year — a significant decline worth monitoring. Expenses of $262K exceeded revenue, resulting in a 1151% operating deficit.

Mission

The purpose of the trust and its trust fund is to fund the administration and payment of the residual long-term disability benefits for existing participants in those plans.

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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 $0

Investment Income $20,974

Other Revenue $0

TOTAL REVENUE $20,974

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $143,275

Other Expenses $119,110

TOTAL EXPENSES $262,385

Year-over-Year Comparison

	2024	2023	Change
Revenue	$20,974	$41,610	-0.5%
Expenses	$262,385	$758,591	-0.7%
Net Income	$-241,411	$-716,981	-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

$83,389

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Diana Reed	Alternate Trustee & Treasurer	1.0	Director	$0	$0	$0
Jennifer Smith-Margraf	Trustee, ISTA President	1.0	Director	$0	$0	$0
Kristy Spires	Trustee	1.0	Director	$0	$0	$0
Nate Williams	Alternative Trustee, ISTA Executive Director	1.0	Director	$0	$34,731	$83,389
Noel Candelaria	Trustee	1.0	Director	$0	$0	$0
Stacy Kurdelak	Alternative Trustee, ISTA Vice President	1.0	Director	$0	$0	$0
Teresa Meredith	Trustee	1.0	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	$20,974	$262,385	$874,879	$-241,411
2024	$41,610	$758,591	$1,095,665	$-716,981
2023	$37,763	$177,669	$1,434,614	$-139,906
2022	$-215,100	$141,747	$1,796,917	$-356,847
2021	$-41,208	$144,216	$2,159,524	$-185,424
2020	$169,771	$430,627	$2,693,765	$-260,856
2019	$143,080	$369,106	$3,368,015	$-226,026
2018	$382,334	$327,692	$3,918,974	$54,642

ISTA Insurance Trust