NABIP Michigan (EIN 383122174) - 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

2000

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

NABIP Michigan, founded in 2000, is a micro nonprofit that reported $87K in total revenue in fiscal year 2023. Expenses of $81K left a modest 6% surplus.

Mission

Organize A Membership Of Educated And Ethical Health Insurance Professionals To Improve The Health Care System In The State Of Michigan.

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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 $52,689

Program Service Revenue $33,892

Investment Income $2

Other Revenue $0

TOTAL REVENUE $86,583

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $48,792

Other Expenses $81,274

TOTAL EXPENSES $81,274

Year-over-Year Comparison

	2023	2022	Change
Revenue	$86,583	$81,719	+0.1%
Expenses	$81,274	$85,568	-0.1%
Net Income	$5,309	$-3,849	-2.4%

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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tina Gabbara	Board Member	1.00	Director	$0	$0	$0
Matthew Cobb	Board Member	1.00	Director	$0	$0	$0
Jeff Romback	Board Member	1.00	Director	$0	$0	$0
Debbie Stroup	Board Member	1.00	Director	$0	$0	$0
Jared Rodriguez	New Executive Director	2.00	Director	$0	$0	$0
Jason Russell	Board Member	1.00	Director	$0	$0	$0
Kelley Root	Board Member	1.00	Director	$0	$0	$0
Jeff Thomas	HUPAC Chair	1.00	Director	$0	$0	$0
Catherine L Cooper	Federal and State Legislative	1.00	Director	$0	$0	$0
Val Cramer	Membership Chair	1.00	Director	$0	$0	$0
Marcy Lay	Executive Director and Awards	2.00	Director	$0	$0	$0
Jennifer Seman	Vice President	1.00	Officer	$0	$0	$0
Scott Norman	Immediate Past President	2.00	Officer	$0	$0	$0
Kristin Ray	Secretary	2.00	Officer	$0	$0	$0
Chrissie Gonzales	Treasurer	2.00	Officer	$0	$0	$0
Brandon Erhart	President	2.00	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$86,583	$81,274	$45,313	$5,309
2022	$81,719	$85,568	$40,004	$-3,849
2021	$64,653	$68,045	$43,853	$-3,392
2020	$73,172	$69,089	$47,245	$4,083

NABIP Michigan