METRO DETROIT ASSOCIATION OF HEALTH UNDERWRITERS (EIN 382960123) - 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

1988

Legal Domicile

Principal Officer

DUSTIN VANDUINE

Phone

2489614730

Tax Period

2022-01-01 to 2022-12-31

METRO DETROIT ASSOCIATION OF HEALTH UNDERWRITERS, founded in 1988, is a small nonprofit in the Community Improvement sector that reported $119K in total revenue in fiscal year 2022. Revenue surged 101% from the prior year, signaling strong growth momentum. Expenses of $105K left a modest 12% surplus.

Mission

INCREASE THE INTEGRITY, KNOWLEDGE, AND PUBLIC AWARENESS OF HEALTH UNDERWRITERS THROUGH THE EXCHANGE OF IDEAS OF MEMBERS AND THE PUBLIC USING EDUCATIONAL SEMINARS.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $118,556

Investment Income $0

Other Revenue $0

TOTAL REVENUE $118,556

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $22,827

Program Expenses $72,934

Other Expenses $104,620

TOTAL EXPENSES $104,620

Year-over-Year Comparison

	2022	2021	Change
Revenue	$118,556	$58,966	+1.0%
Expenses	$104,620	$70,804	+0.5%
Net Income	$13,936	$-11,838	-2.2%

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
MITCH CECH	SECRETARY	N/A	Officer	$0	$0	$0
KEVIN COX	TREASURER	N/A	Officer	$0	$0	$0
TRACY SHIPPY	VICE PRESIDE	N/A	Officer	$0	$0	$0
DUSTIN VANDUINE	PRESIDENT	N/A	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
2022	$118,556	$104,620	$113,315	$13,936
2021	$58,966	$70,804	$99,379	$-11,838
2020	$106,086	$83,600	$111,217	$22,486
2019	$163,648	$132,592	$88,731	$31,056

METRO DETROIT ASSOCIATION OF HEALTH UNDERWRITERS