Comprehensive Health Association of North Dakota (EIN 450370703) - 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

1981

Legal Domicile

Phone

7012821100

Tax Period

2023-01-01 to 2023-12-31

Comprehensive Health Association of North Dakota, founded in 1981, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2023. Revenue fell 57% from the prior year — a significant decline worth monitoring. Expenses of $1.5M exceeded revenue, resulting in a 20% operating deficit.

Mission

The general purpose of the Association is to make available health care coverage to residents of North Dakota who have been denied health insurance or had been given restricted coverage because they had health problems or were considered to be in a high risk category.

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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 $1,219,792

Investment Income $44,278

Other Revenue $0

TOTAL REVENUE $1,264,070

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $111,516

TOTAL EXPENSES $1,515,670

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,264,070	$2,927,942	-0.6%
Expenses	$1,515,670	$2,125,120	-0.3%
Net Income	$-251,600	$802,822	-1.3%

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
N/A	Vice President	5.0	Officer Director	$0	$0	$0
N/A	President	5.0	Officer Director	$0	$0	$0
N/A	Secretary/Treasurer	0.5	Officer Director	$0	$0	$0
N/A	Director	5.0	Officer Director	$0	$0	$0
N/A	Director	5.0	Director	$0	$0	$0
N/A	DIRECTOR (TERM 6/12/2023)	5.0	Director	$0	$0	$0
N/A	Director	5.0	Director	$0	$0	$0
N/A	Director	5.0	Director	$0	$0	$0
N/A	Director	5.0	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
2024	No data	No data	No data	No data
2023	$1,264,070	$1,515,670	$1,845,373	$-251,600
2022	$2,927,942	$2,125,120	$2,142,696	$802,822
2021	$3,131,583	$3,271,964	$1,450,865	$-140,381
2020	$2,905,209	$2,617,580	$1,529,062	$287,629

Comprehensive Health Association of North Dakota