MINNESOTA AUTOMOBILE ASSIGNED CLAIMS BUREAU (EIN 416178083) - 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

1975

Legal Domicile

Principal Officer

JEFFREY MOULTON

Phone

8004397567

Tax Period

2025-01-01 to 2025-12-31

MINNESOTA AUTOMOBILE ASSIGNED CLAIMS BUREAU, founded in 1975, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2025. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $1.7M exceeded revenue, resulting in a 35% operating deficit.

Mission

PROVIDING NO FAULT INSURANCE BENEFITS TO THOSE WHO HAVE NO OTHER ACCESS TO SUCH BENEFITS.

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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 $0

Program Service Revenue $1,021,298

Investment Income $239,659

Other Revenue $0

TOTAL REVENUE $1,260,957

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,708,192

TOTAL EXPENSES $1,708,192

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,260,957	$2,198,193	-0.4%
Expenses	$1,708,192	$1,325,341	+0.3%
Net Income	$-447,235	$872,852	-1.5%

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
JEFFREY MOULTON	CHAIRMAN	2.00	Officer Director	$0	$0	$0
JOSHUA JEFFERS	VICE CHAIRMA	1.00	Officer Director	$0	$0	$0
BILL GOETZ	BOARD MEMBER	1.00	Director	$0	$0	$0
ASHLEY NISSLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
DAN RESTAD	BOARD MEMBER	1.00	Director	$0	$0	$0
THOMAS EVENSON	PUBLIC MEMBE	1.00	Director	$0	$0	$0
CHAD BJUGAN	PUBLIC MEMBE	1.00	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	$1,260,957	$1,708,192	$8,600,753	$-447,235
2024	$2,198,193	$1,325,341	$9,047,988	$872,852
2023	$2,149,732	$1,780,329	$8,175,136	$369,403
2022	$2,067,513	$1,968,462	$7,805,733	$99,051
2021	$2,019,004	$1,646,512	$7,706,682	$372,492
2020	$2,043,148	$1,472,309	$7,334,190	$570,839
2019	$2,114,857	$1,623,849	$6,763,351	$491,008
2018	$2,079,636	$1,805,017	$6,272,343	$274,619

MINNESOTA AUTOMOBILE ASSIGNED CLAIMS BUREAU