KENTUCKY INDIVIDUAL SELF INSURERS GUARANTY FUND (EIN 311540078) - 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

1997

Legal Domicile

Phone

8598998700

Tax Period

2024-07-01 to 2025-06-30

KENTUCKY INDIVIDUAL SELF INSURERS GUARANTY FUND, founded in 1997, is a small nonprofit in the Community Improvement sector that reported $304K in total revenue in fiscal year 2024. Revenue fell 75% from the prior year — a significant decline worth monitoring. Expenses of $577K exceeded revenue, resulting in a 89% operating deficit.

Mission

MEETING OBLIGATIONS OF INSOLVENT INDIVIDUALLY SELF-INSURED 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 $11,853

Investment Income $292,491

Other Revenue $0

TOTAL REVENUE $304,344

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $576,669

TOTAL EXPENSES $576,669

Year-over-Year Comparison

	2024	2023	Change
Revenue	$304,344	$1,234,486	-0.8%
Expenses	$576,669	$1,866,402	-0.7%
Net Income	$-272,325	$-631,916	-0.6%

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	Role	Reportable Comp	Other Comp	Total
STEVE LAWSON	Director	Director	$0	$0	$0
MIA KUO	Director	Director	$0	$0	$0
GEOFFREY MANUAL	Director	Director	$0	$0	$0
NATHAN FRALEY	Director	Officer Director	$0	$0	$0
TRAVIS BAILEY	Director	Director	$0	$0	$0
STEVEN RUDOLF	Director	Director	$0	$0	$0
MELISSA MILLER	Director	Director	$0	$0	$0
ANGELA HOPPER	BOARD CHAIR	Director	$0	$0	$0
DOUG DONALDSON	Vice President	Officer 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	$304,344	$576,669	$13,970,949	$-272,325
2024	$1,234,486	$1,866,402	$13,562,087	$-631,916
2023	$159,850	$-419,562	$12,238,900	$579,412
2022	$154,912	$-1,319,277	$13,205,422	$1,474,189
2021	$136,771	$-434,208	$15,639,722	$570,979
2020	$164,589	$482,830	$12,393,849	$-318,241
2019	$236,923	$428,884	$12,032,491	$-191,961
2018	$230,395	$102,428	$11,854,805	$127,967

KENTUCKY INDIVIDUAL SELF INSURERS GUARANTY FUND