American College of Coverage Counsel Inc (EIN 461030123) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2012

Legal Domicile

Principal Officer

Robert Allen

Phone

7036835561

Tax Period

2025-01-01 to 2025-12-31

American College of Coverage Counsel Inc is a small nonprofit in the Community Improvement sector that reported $241K in total revenue in fiscal year 2019. Revenue grew 19% year-over-year, indicating healthy expansion.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $213,912

Program Service Revenue $117,789

Investment Income $35,295

Other Revenue $0

TOTAL REVENUE $366,996

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $121,167

Other Expenses $265,630

TOTAL EXPENSES $265,630

Year-over-Year Comparison

	2025	2024	Change
Revenue	$366,996	$353,400	+0.0%
Expenses	$265,630	$233,455	+0.1%
Net Income	$101,366	$119,945	-0.2%

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
John Bonnie	Board Member	1.00	Director	$0	$0	$0
Suzan Charlton	Board Member	1.00	Director	$0	$0	$0
Tyler Gerking	Board Member	1.00	Director	$0	$0	$0
Mike Hamilton	Board Member	1.00	Director	$0	$0	$0
Laura Hanson	Board Member	1.00	Director	$0	$0	$0
Michael Kiernan	Board Member	1.00	Director	$0	$0	$0
Seth Lamden	Board Member	1.00	Director	$0	$0	$0
Vince Morgan	Board Member	1.00	Director	$0	$0	$0
Barbara O'Donnell	Board Member	1.00	Director	$0	$0	$0
Lisa Pake	Board Member	1.00	Director	$0	$0	$0
Alex Potente	Board Member	1.00	Director	$0	$0	$0
Tracy Saxe	Board Member	1.00	Director	$0	$0	$0
Stephen Pate	President	2.00	Officer	$0	$0	$0
Koorosh Talieh	President-Elect	2.00	Officer	$0	$0	$0
Robert Allen	Treasurer	2.00	Officer	$0	$0	$0
Angela Elbert	Immediate Past President	1.00	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
2025	$366,996	$265,630	$1,119,589	$101,366
2024	$353,400	$233,455	$993,181	$119,945
2023	$325,146	$213,499	$884,016	$111,647
2022	$303,044	$189,525	$736,064	$113,519
2021	$237,376	$177,149	$615,542	$60,227
2020	$175,781	$115,854	$537,916	$59,927
2019	$240,839	$238,598	$448,368	$2,241

American College of Coverage Counsel Inc