US TRAVEL INSURANCE ASSOCIATION INC

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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

2004

Legal Domicile

Principal Officer

JOE MUCCIA

Phone

2403423816

Tax Period

2023-01-01 to 2023-12-31

US TRAVEL INSURANCE ASSOCIATION INC, founded in 2004, is a small nonprofit in the Human Services sector that reported $884K in total revenue in fiscal year 2023. Revenue surged 42% from the prior year, signaling strong growth momentum. The organization ran a surplus of $135K, a strong 15% operating margin.

Mission

TO FOSTER ETHICAL CONDUCT, ENSURE THAT THE PUBLIC HAS ACCESS TO AFFORDABLE TRAVEL INSURANCE, EDUCATE THE PUBLIC, AND PROMOTE A COMMITMENT TO EXCELLENCE IN THE TRAVEL INSURANCE INDUSTRY.

Program Service Accomplishments

Program 1

TO FOSTER ETHICAL AND PROFESSIONAL STANDARDS OF INDUSTRY CONDUCT THROUGH CONFERENCES AND COMMUNICATIONS WITH INDUSTRY MEMBERS.

Program 2

CULTIVATE EFFECTIVE STATE AND FEDERAL GOVERNMENT RELATIONS.

Program 3

INFORM AND ASSIST MEMBERS AND EDUCATE CONSUMERS.

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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 $0

Program Service Revenue $883,439

Investment Income $887

Other Revenue $0

TOTAL REVENUE $884,326

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $749,733

TOTAL EXPENSES $749,733

Year-over-Year Comparison

	2023	2022	Change
Revenue	$884,326	$623,623	+0.4%
Expenses	$749,733	$644,094	+0.2%
Net Income	$134,593	$-20,471	-7.6%

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
ROBERT GALLAGHER	PRESIDENT	1.00	Officer Director	$0	$0	$0
SUSAN SILFEN	IMMEDIATE PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
ERMA CROCK	PRESIDENT-ELECT	1.00	Officer Director	$0	$0	$0
BRANDON BATES	SECRETARY	1.00	Officer Director	$0	$0	$0
JOE MUCCIA	TREASURER	1.00	Officer Director	$0	$0	$0
JEFFREY WRIGHT	DIRECTOR - FULL	1.00	Director	$0	$0	$0
BETH GODLIN	DIRECTOR - FULL	1.00	Director	$0	$0	$0
BRICE KING	DIRECTOR - FULL	1.00	Director	$0	$0	$0
DEAN SIVLEY	DIRECTOR - FULL	1.00	Director	$0	$0	$0
BONNIE RASCHKA	DIRECTOR - FULL	1.00	Director	$0	$0	$0
CHRIS CARNICELLI	DIRECTOR - FULL	1.00	Director	$0	$0	$0
THOMAS DAVIDSON	DIRECTOR - FULL	1.00	Director	$0	$0	$0
MARK CARNEY	DIRECTOR - FULL	1.00	Director	$0	$0	$0
SEAN BRADY	DIRECTOR - FULL	1.00	Director	$0	$0	$0
LAUREN DULIN	DIRECTOR - ASSOCIATE	1.00	Director	$0	$0	$0
BLAKE YTURRALDE	DIRECTOR - ASSOCIATE	1.00	Director	$0	$0	$0
S'NETA BENEFIELD	EXECUTIVE DIRECTOR	15.00	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
2024	No data	No data	No data	No data
2023	$884,326	$749,733	$639,065	$134,593
2022	$623,623	$644,094	$598,531	$-20,471
2021	$681,140	$736,390	$470,788	$-55,250
2020	$508,576	$630,522	$551,038	$-121,946
2019	$829,016	$740,243	$694,427	$88,773
2018	$777,738	$697,473	$712,585	$80,265