KENTUCKY INSURANCE ARBITRATION ASSOCIATION (EIN 510150478) - 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

1980

Legal Domicile

Principal Officer

STEPHEN HILLIS

Phone

5023278909

Tax Period

2025-01-01 to 2025-12-31

KENTUCKY INSURANCE ARBITRATION ASSOCIATION, founded in 1980, is a small nonprofit that reported $556K in total revenue in fiscal year 2025. The organization ran a surplus of $195K, a strong 35% operating margin.

Mission

TO ASSIST AND RESOLVE DISPUTES INVOLVING REPARATION OBLIGORS AND THOSE WITH RIGHTS AGAINST THEM.

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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 $552,973

Investment Income $3,341

Other Revenue $0

TOTAL REVENUE $556,314

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $361,387

TOTAL EXPENSES $361,387

Year-over-Year Comparison

	2025	2024	Change
Revenue	$556,314	$572,695	0.0%
Expenses	$361,387	$1,063,280	-0.7%
Net Income	$194,927	$-490,585	-1.4%

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

N/A

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

$402,618

Total Directors

$402,618

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ERICKA GOCKE	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
TAYLOR MARTIN	DIRECTOR	1.00	Director	$0	$0	$0
CLARISSA VILLANUEVA-MEDINA	DIRECTOR	1.00	Director	$0	$0	$0
KRISTI PARKER	DIRECTOR	1.00	Director	$0	$0	$0
SCOT MCFARLAND	VICE-CHAIRPERSON	1.00	Officer Director	$0	$0	$0
MCKENZIE CARTER	DIRECTOR	1.00	Director	$0	$0	$0
JOSHUA YOUNG	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW BURSH	DIRECTOR	1.00	Director	$0	$0	$0
VIVIAN JUDY	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN HILLIS	PANEL SECRETARY/EXECUTIVE DIRECTOR	3.00	Officer Director	$0	$91,452	$402,618
ALLAN FABER	DIRECTOR	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	$556,314	$361,387	$809,366	$194,927
2024	$572,695	$1,063,280	$760,876	$-490,585
2023	$518,358	$434,623	$1,131,502	$83,735
2022	$980,584	$589,236	$1,039,045	$391,348
2021	$53,682	$354,277	$646,967	$-300,595
2020	$426,078	$365,993	$937,260	$60,085
2019	$460,560	$393,013	$892,710	$67,547
2018	$460,507	$369,822	$825,864	$90,685

KENTUCKY INSURANCE ARBITRATION ASSOCIATION