American Association of Crop Insurers (EIN 363223956) - 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

1980

Legal Domicile

Principal Officer

Scott Graves

Phone

2026568201

Tax Period

2024-04-01 to 2025-03-31

American Association of Crop Insurers, founded in 1980, is a small nonprofit that reported $792K in total revenue in fiscal year 2024. Revenue fell 31% from the prior year — a significant decline worth monitoring. Expenses of $1.0M exceeded revenue, resulting in a 27% operating deficit.

Mission

To provide federal government representation for the full spectrum of the crop insurance industry - reinsured companies, reinsurers, private agents and adjusters.

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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 $777,567

Investment Income $14,877

Other Revenue $0

TOTAL REVENUE $792,444

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,009,216

TOTAL EXPENSES $1,009,216

Year-over-Year Comparison

	2024	2023	Change
Revenue	$792,444	$1,151,660	-0.3%
Expenses	$1,009,216	$1,204,551	-0.2%
Net Income	$-216,772	$-52,891	+3.1%

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
Grant Adams	Chairman	2.00	Officer Director	$0	$0	$0
Benson Latham	Vice Chairman	2.00	Officer Director	$0	$0	$0
Michael Davenport	Immediate Past Chair	2.00	Director	$0	$0	$0
Dale Perry	Director	2.00	Director	$0	$0	$0
Brad Leighton	Director	2.00	Director	$0	$0	$0
Doug Jakway	Director	2.00	Director	$0	$0	$0
Kelly Deterding	Director	2.00	Director	$0	$0	$0
Mark Lenhart	Director	2.00	Director	$0	$0	$0
Todd Snider	Director	2.00	Director	$0	$0	$0
Scott Graves	President	25.00	Officer	$0	$0	$0
Matt Valesko	Secretary	25.00	Officer	$0	$0	$0
Brittney Matousek	Treasurer	25.00	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
2025	$792,444	$1,009,216	$382,539	$-216,772
2024	$1,151,660	$1,204,551	$518,965	$-52,891
2023	$969,989	$990,308	$741,693	$-20,319
2022	$894,089	$1,008,726	$761,223	$-114,637
2021	$920,450	$960,760	$726,358	$-40,310
2020	$932,948	$1,018,215	$974,183	$-85,267
2019	$904,994	$1,079,807	$1,053,723	$-174,813
2018	$850,879	$878,118	$1,148,289	$-27,239

American Association of Crop Insurers