HIGHWAY LOSS DATA INSTITUTE (EIN 520964200) - 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

1972

Legal Domicile

Principal Officer

MICHAEL D FAGIN

Phone

7032471500

Tax Period

2023-01-01 to 2023-12-31

HIGHWAY LOSS DATA INSTITUTE, founded in 1972, is a community nonprofit that reported $4.2M in total revenue in fiscal year 2018. Expenses of $3.9M left a modest 7% surplus.

Mission

THE INSTITUTE COLLECTS AND ANALYZES INSURANCE CLAIMS DATA AND PUBLISHES STATISTICAL FINDINGS ABOUT THE HUMAN AND ECONOMIC LOSSES ASSOCIATED WITH DIFFERENT MAKES AND MODELS OF CARS, LIGHT TRUCKS, VANS AND UTILITY VEHICLES. THE PURPOSE OF THE REPORTS IS TO PROVIDE INFORMATION THAT WILL HELP REDUCE THE LOSSES RESULTING FROM MOTOR VEHICLE CRASHES AND THEFTS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,921,192

Investment Income $820,218

Other Revenue $18,856

TOTAL REVENUE $5,760,266

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,694,056

Fundraising Expenses $0

Program Expenses $4,097,906

Other Expenses $810,428

TOTAL EXPENSES $4,504,484

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,760,266	$4,992,024	+0.2%
Expenses	$4,504,484	$4,387,939	+0.0%
Net Income	$1,255,782	$604,085	+1.1%

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

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

$1,023,243

Total Directors

$1,023,243

Key Employees

$1,514,396

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID HARKEY	PRESIDENT	9.00	Officer Director	$176,950	$86,094	$1,023,243
STEFANIE ZACCHERA	CHAIRMAN	1.00	Director	$0	$0	$0
CHAD MIROCK	VICE CHAIRMAN	0.60	Director	$0	$0	$0
GAVIN BLAIR	DIRECTOR	0.30	Director	$0	$0	$0
CHAD COVELLI	DIRECTOR	0.30	Director	$0	$0	$0
OLIVIA DOLL	DIRECTOR	0.30	Director	$0	$0	$0
ROBERT HARRINGTON	DIRECTOR	0.30	Director	$0	$0	$0
JOSEPH HIGHBARGER	DIRECTOR	0.30	Director	$0	$0	$0
TIM HYMAN	DIRECTOR	0.30	Director	$0	$0	$0
THOMAS KAROL	DIRECTOR	0.30	Director	$0	$0	$0
JEFF KINSEY	DIRECTOR	0.30	Director	$0	$0	$0
DAWN LEE	DIRECTOR	0.30	Director	$0	$0	$0
DAVID MACINNIS	DIRECTOR	0.30	Director	$0	$0	$0
LYNN MALLONEY	DIRECTOR	0.30	Director	$0	$0	$0
SEAN MCALLISTER	DIRECTOR	0.30	Director	$0	$0	$0
THOMAS G MYERS	DIRECTOR	0.30	Director	$0	$0	$0
JAMES NUTTING	DIRECTOR	0.30	Director	$0	$0	$0
ROBERT PASSMORE	DIRECTOR	0.30	Director	$0	$0	$0
ROB PAYNE	DIRECTOR	0.30	Director	$0	$0	$0
HARRY TODD PEARCE	DIRECTOR	0.30	Director	$0	$0	$0
ANTHONY E PTASZNIK	DIRECTOR	0.30	Director	$0	$0	$0
STEVE RULISON	DIRECTOR	0.30	Director	$0	$0	$0
SHANNON TERRY	DIRECTOR	0.30	Director	$0	$0	$0
TODD WALKER	DIRECTOR	0.30	Director	$0	$0	$0
HUI WANG	DIRECTOR	0.30	Director	$0	$0	$0
MICHAEL FAGIN	SECRETARY/TREASURER	9.00	Key Emp	$61,503	$33,473	$337,614
JOSEPH NOLAN	SR. V.P. - VRC & CHIEF ADM	9.00	Key Emp	$60,945	$51,619	$353,590
DAVID ZUBY	EXECUTIVE V.P. - VRC & CHI	9.00	Key Emp	$74,980	$58,262	$433,564
MATTHEW MOORE	SR. VICE PRESIDENT	35.00	Key Emp	$255,018	$68,959	$389,628
WANDA BRITTIN	SENIOR DIRECTOR OF DATA OPERATIONS	35.00	Highest	$179,696	$35,726	$215,422
BINGLING WANG	SENIOR PROGRAMMER	35.00	Highest	$144,465	$42,360	$186,825
MELVIN SCOTT	VEHICLE INFORMATION COORDINATOR	35.00	Highest	$171,457	$43,546	$215,003
LISA HENKE	DATA PRODUCTION LEAD PROGRAMMER	35.00	Highest	$147,489	$27,328	$174,817
LAURIE HELLINGA	RESEARCH COORDINATOR	35.00	Highest	$171,672	$42,804	$214,476

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	$5,760,266	$4,504,484	$8,835,778	$1,255,782
2022	$4,992,024	$4,387,939	$7,935,923	$604,085
2021	$4,613,475	$4,053,099	$7,508,990	$560,376
2020	$4,462,997	$4,002,818	$6,718,516	$460,179
2019	$4,256,596	$4,044,342	$5,975,458	$212,254
2018	$4,173,826	$3,880,908	$5,193,841	$292,918

HIGHWAY LOSS DATA INSTITUTE