WISCONSIN ASSOCIATION OF MUTUAL INSURANCE COMPANIES INC (EIN 391140747) - 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

1949

Legal Domicile

Principal Officer

PATRICK LAWS

Phone

6088467203

Tax Period

2025-01-01 to 2025-12-31

WISCONSIN ASSOCIATION OF MUTUAL INSURANCE COMPANIES INC, founded in 1949, is a small nonprofit that reported $363K in total revenue in fiscal year 2025. Revenue fell 54% from the prior year — a significant decline worth monitoring. Expenses of $482K exceeded revenue, resulting in a 33% operating deficit.

Mission

THE ASSOCIATION PROVIDES INFORMATION VIA PUBLICATIONS, WORKSHOPS, AND MEETINGS TO BENEFIT THE MEMBER MUTUAL INSURANCE COMPANIES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $135,000

Program Service Revenue $223,350

Investment Income $4,401

Other Revenue $548

TOTAL REVENUE $363,299

Expense Breakdown

Grants Paid $0

Salaries & Benefits $175,438

Fundraising Expenses $0

Program Expenses $302,277

Other Expenses $306,962

TOTAL EXPENSES $482,400

Year-over-Year Comparison

	2025	2024	Change
Revenue	$363,299	$788,706	-0.5%
Expenses	$482,400	$640,009	-0.2%
Net Income	$-119,101	$148,697	-1.8%

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

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

$129,165

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICK LAWS	PRESIDENT	40.00	Officer	$95,071	$34,094	$129,165
SONIA DEBOER	DIRECTOR	N/A	Director	$0	$0	$0
PEGGY SUE LANGER	CHAIR	N/A	Officer Director	$0	$0	$0
LAURA SHELL	DIRECTOR	N/A	Director	$0	$0	$0
KAREN SMITH	DIRECTOR	N/A	Director	$0	$0	$0
JACKIE SPERBERG	VICE CHAIR	N/A	Officer Director	$0	$0	$0
HEATHER TECHLIN	SECRETARY/TR	N/A	Officer 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
2025	$363,299	$482,400	$437,241	$-119,101
2024	No data	No data	No data	No data
2023	$681,556	$674,843	$362,480	$6,713
2022	$632,080	$591,741	$482,423	$40,339
2022	$632,080	$618,753	$455,411	$13,327
2021	$582,481	$540,893	$428,267	$41,588
2020	$449,896	$416,757	$371,064	$33,139
2019	$590,131	$559,788	$311,145	$30,343
2018	$554,482	$544,770	$168,151	$9,712

WISCONSIN ASSOCIATION OF MUTUAL INSURANCE COMPANIES INC