ICMIF Americas (EIN 383087171) - 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

1992

Legal Domicile

Principal Officer

Andres Elola

Phone

5732144938

Tax Period

2023-01-01 to 2023-12-31

ICMIF Americas, founded in 1992, is a small nonprofit that reported $407K in total revenue in fiscal year 2023. Revenue surged 57% from the prior year, signaling strong growth momentum.

Mission

To support and develop effective and viable co-operative popular-based insurance organizations throughout the Americas.

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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 (2023)

Revenue Breakdown

Contributions & Grants $2,500

Program Service Revenue $396,755

Investment Income $7,701

Other Revenue $-424

TOTAL REVENUE $406,532

Expense Breakdown

Grants Paid $0

Salaries & Benefits $226,557

Fundraising Expenses $0

Program Expenses $294,140

Other Expenses $177,005

TOTAL EXPENSES $403,562

Year-over-Year Comparison

	2023	2022	Change
Revenue	$406,532	$259,551	+0.6%
Expenses	$403,562	$315,418	+0.3%
Net Income	$2,970	$-55,867	-1.1%

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

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
Andres Elola	Chair	Officer Director	$0	$0	$0
Georgina Diaz	Director	Director	$0	$0	$0
Yamil Garcia	Director	Director	$0	$0	$0
Dwayne Elliot	Vice-Chair	Officer Director	$0	$0	$0
Lisa Gardi	Treasurer	Officer Director	$0	$0	$0
Helton Freitas	Director	Director	$0	$0	$0
Juan-Carlos Mosquera	Director	Director	$0	$0	$0
Amilcar Cordoba	Director	Director	$0	$0	$0
Paul Hanna	Director	Director	$0	$0	$0
Rosana Ibarrart	Secretary	Officer Director	$0	$0	$0
Daysi Rosales	Director	Director	$0	$0	$0
Mariela Silva	Director	Director	$0	$0	$0
Liliana Cano	Director	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
2023	$406,532	$403,562	$273,147	$2,970
2022	$259,551	$315,418	$269,620	$-55,867
2022	$259,551	$315,418	$269,620	$-55,867
2021	$333,284	$316,921	$303,127	$16,363
2020	$296,753	$255,807	$289,294	$40,946
2018	$351,482	$333,369	$207,647	$18,113

ICMIF Americas