NATIONAL RISK RETENTION ASSOCIATION (EIN 363533185) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1987

Legal Domicile

Principal Officer

JOSEPH E DEEMS

Phone

7032970059

Tax Period

2023-08-01 to 2024-07-31

NATIONAL RISK RETENTION ASSOCIATION, founded in 1987, is a small nonprofit that reported $464K in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $443K left a modest 5% surplus.

Mission

REGULATORY, LEGISLATIVE AND JUDICIAL ADVOCACY TO PROTECT THE LIABILITY RISK RETENTION ACT.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $174,620

Program Service Revenue $289,459

Investment Income $11

Other Revenue $0

TOTAL REVENUE $464,090

Expense Breakdown

Grants Paid $0

Salaries & Benefits $87,787

Fundraising Expenses $0

Other Expenses $354,791

TOTAL EXPENSES $442,578

Year-over-Year Comparison

	2023	2022	Change
Revenue	$464,090	$424,356	+0.1%
Expenses	$442,578	$459,609	0.0%
Net Income	$21,512	$-35,253	-1.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$126,496

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH DEEMS - DEEMS LAW OFFICES	EXECUTIVE DIRECTOR	45.00	Officer	$126,496	$0	$126,496
TIMOTHY SULLIVAN	CHAIR	2.00	Officer Director	$0	$0	$0
TINA TRUAX MCCUIN	FIRST VICE CHAIR	2.00	Officer Director	$0	$0	$0
JON HARKAVY	SECOND VICE CHAIR	2.00	Officer Director	$0	$0	$0
NANCY GRAY	PAST CHAIR	2.00	Officer Director	$0	$0	$0
GREG COOK	TREASURER	2.00	Officer Director	$0	$0	$0
ROD NOFZIGER	SECRETARY	2.00	Officer Director	$0	$0	$0
SHAWN DEWANE	DIRECTOR	2.00	Director	$0	$0	$0
ANDREW BEARDALL	DIRECTOR	2.00	Director	$0	$0	$0
CHRISTINA KINDSTEDT	DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM P WHITE	DIRECTOR	2.00	Director	$0	$0	$0
GERALD C YOSHIDA	DIRECTOR	2.00	Director	$0	$0	$0
SANFORD ELSASS	BOARD MEMBER EMERITUS	2.00	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	No data	No data	No data	No data
2024	$464,090	$442,578	$118,111	$21,512
2023	$424,356	$459,609	$124,214	$-35,253
2022	$387,587	$375,047	$189,240	$12,540
2021	$267,750	$324,456	$164,908	$-56,706
2020	$438,507	$456,694	$201,285	$-18,187
2019	$448,312	$446,752	$194,765	$1,560
2018	$462,550	$462,478	$263,748	$72

NATIONAL RISK RETENTION ASSOCIATION