ST LOUIS ASSOCIATION OF HEALTH UNDERWRITERS (EIN 431842432) - 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

1999

Legal Domicile

Principal Officer

DAVE DRENNAN

Phone

3147126565

Tax Period

2020-07-01 to 2021-06-30

ST LOUIS ASSOCIATION OF HEALTH UNDERWRITERS, founded in 1999, is a micro nonprofit in the Community Improvement sector that reported $44K in total revenue in fiscal year 2020. Expenses of $37K left a modest 15% surplus.

Mission

PROVIDE CONTINUING EDUCATION TO ITS MEMBERS.

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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 (2020)

Revenue Breakdown

Contributions & Grants $33,414

Program Service Revenue $4,732

Investment Income $5,598

Other Revenue $0

TOTAL REVENUE $43,744

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $37,349

TOTAL EXPENSES $37,349

Year-over-Year Comparison

	2020	2019	Change
Revenue	$43,744	N/A	N/A
Expenses	$37,349	N/A	N/A
Net Income	$6,395	N/A	N/A

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

115

Independent Members

115

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

$26,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVE DRENNAN	EXECUTIVE DIRECTOR	30.00	Officer	$26,400	$0	$26,400
RICK SCHOOLEY	PRESIDENT	1.00	Officer	$0	$0	$0
HEATHER AMBRO	IMMEDIATE PAST PRES	0.00	Officer	$0	$0	$0
ROSS PFIEFER	SECRETARY	1.00	Director	$0	$0	$0
SCOTT STREAM	TREASURER	1.00	Director	$0	$0	$0
KEN SCHMIDT	HUPAC/ LEGISLATIVE CHAIR	1.00	Director	$0	$0	$0
JOHN BARADA	MEDIA RELATIONS CHAIR	1.00	Director	$0	$0	$0
RANDY SCHRUPP	MEMBERSHIP/RETENTION CHAIR	1.00	Director	$0	$0	$0
KAITLIN HRENAK	PROFESSIONAL DEVELOPMENT CHAIR	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
2021	$43,744	$37,349	$111,522	$6,395
2020	$47,387	$59,690	$105,127	$-12,303
2019	$66,892	$57,474	$117,430	$9,418

ST LOUIS ASSOCIATION OF HEALTH UNDERWRITERS