INDIANA FOOD & FUEL ASSOCIATION (EIN 350409950) - 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

1934

Legal Domicile

Principal Officer

CATHY MELTON

Phone

3176334662

Tax Period

2024-01-01 to 2024-12-31

INDIANA FOOD & FUEL ASSOCIATION, founded in 1934, is a small nonprofit that reported $911K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $321K, a strong 35% operating margin.

Mission

REPRESENTS INDEPENDENT BUSINESSES IN INDIANA'S PETROLEUM, CONVENIENCE, AND FOOD RETAIL INDUSTRIES, INCLUDING STORE OWNERS, FUEL MARKETERS, AND INDUSTRY SUPPLIERS.

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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 $22,450

Program Service Revenue $780,958

Investment Income $123,629

Other Revenue $-16,313

TOTAL REVENUE $910,724

Expense Breakdown

Grants Paid $0

Salaries & Benefits $262,059

Fundraising Expenses $0

Program Expenses $589,694

Other Expenses $327,635

TOTAL EXPENSES $589,694

Year-over-Year Comparison

	2024	2023	Change
Revenue	$910,724	$828,371	+0.1%
Expenses	$589,694	$694,614	-0.2%
Net Income	$321,030	$133,757	+1.4%

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

Volunteers

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

$136,211

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CATHY MELTON	EXECUTIVE DIRECTOR	40.00	Officer	$126,000	$10,211	$136,211
SHANE NEAL	BOARD PRESIDENT	1.00	Officer Director	$0	$0	$0
KEVIN HUFFMAN	BOARD VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
NICK STANLEY	BOARD TREASURER/SECRETARY	1.00	Officer Director	$0	$0	$0
JONATHAN J SMITH	BOARD PAST PRESIDENT/EMA NATIONAL DIRECTOR	1.00	Officer Director	$0	$0	$0
STEPHANIE GALENTINE	BOARD MEMBER	1.00	Director	$0	$0	$0
LISA HENDERSHOT	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN HERDRICH	BOARD MEMBER	1.00	Director	$0	$0	$0
JOEL HIRSCHBOERCK	BOARD MEMBER	1.00	Director	$0	$0	$0
RYAN JOHNSON	BOARD MEMBER	1.00	Director	$0	$0	$0
TAYLER JOHNSON	BOARD MEMBER	1.00	Director	$0	$0	$0
MIKE RIGGINS	BOARD MEMBER	1.00	Director	$0	$0	$0
MEACHELE THOMAS	BOARD MEMBER	1.00	Director	$0	$0	$0
JASON WITTEKIND	BOARD MEMBER	1.00	Director	$0	$0	$0
PHILL ZIMMERMAN	BOARD MEMBER	1.00	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
2024	$910,724	$589,694	$2,222,931	$321,030
2023	$828,371	$694,614	$1,693,224	$133,757
2022	$807,405	$704,152	$1,324,372	$103,253
2021	$982,096	$765,863	$1,802,404	$216,233
2020	$499,328	$775,749	$1,686,158	$-276,421
2019	$887,344	$850,069	$1,448,619	$37,275

INDIANA FOOD & FUEL ASSOCIATION