NORTH DAKOTA AUTOMOBILE ASSIGNED CLAIMS PLAN (EIN 510171814) - 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

Principal Officer

ABBY KRAMER

Phone

7634256634

Tax Period

2025-01-01 to 2025-12-31

NORTH DAKOTA AUTOMOBILE ASSIGNED CLAIMS PLAN is a micro nonprofit in the Mutual Benefit sector that reported $9K in total revenue in fiscal year 2025. Revenue fell 38% from the prior year — a significant decline worth monitoring. Expenses of $64K exceeded revenue, resulting in a 597% operating deficit.

Mission

PROVIDE NO-FAULT INSURANCE 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 $0

Investment Income $9,156

Other Revenue $0

TOTAL REVENUE $9,156

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $63,852

TOTAL EXPENSES $63,852

Year-over-Year Comparison

	2025	2024	Change
Revenue	$9,156	$14,745	-0.4%
Expenses	$63,852	$27,485	+1.3%
Net Income	$-54,696	$-12,740	+3.3%

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
CHRIS OEN	CHAIR (FORME	1.00	Officer Director	$0	$0	$0
BILL GOETZ	VICE-CHAIR	1.00	Officer Director	$0	$0	$0
JEFFREY MOULTON	BOARD MEMBER	1.00	Director	$0	$0	$0
ERIN GALLOWAY-UNDERWOOD	BOARD MEMBER	1.00	Director	$0	$0	$0
BECKY FREIDT	BOARD MEMBER	1.00	Director	$0	$0	$0
ASHLEY NISSLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
ABBY KRAMER	CHAIR	1.00	Officer 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	$9,156	$63,852	$305,454	$-54,696
2024	$14,745	$27,485	$360,150	$-12,740
2023	$154,926	$42,040	$372,890	$112,886
2022	$802	$19,327	$260,004	$-18,525
2021	$135	$20,008	$278,529	$-19,873
2020	$1,771	$16,815	$298,402	$-15,044
2019	$5,169	$19,231	$313,446	$-14,062
2018	$18,379	$29,314	$327,508	$-10,935

NORTH DAKOTA AUTOMOBILE ASSIGNED CLAIMS PLAN