INSULATION CONTRACTORS ASSOCIATION OF AMERICA (EIN 521124643) - 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

1977

Legal Domicile

Principal Officer

M KWART

Phone

7037390356

Tax Period

2023-01-01 to 2023-12-31

INSULATION CONTRACTORS ASSOCIATION OF AMERICA, founded in 1977, is a small nonprofit that reported $329K in total revenue in fiscal year 2020. Revenue fell 67% from the prior year — a significant decline worth monitoring. Expenses of $715K exceeded revenue, resulting in a 117% operating deficit.

Mission

To promote professionalism in insulation contracting.

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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 $310,457

Program Service Revenue $741,196

Investment Income $53,076

Other Revenue $0

TOTAL REVENUE $1,104,729

Expense Breakdown

Grants Paid $0

Salaries & Benefits $703,909

Fundraising Expenses $0

Program Expenses $0

Other Expenses $357,426

TOTAL EXPENSES $1,061,335

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,104,729	$1,108,897	0.0%
Expenses	$1,061,335	$943,043	+0.1%
Net Income	$43,394	$165,854	-0.7%

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

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

$533,092

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Executive Director	Executive Director	62	Key Emp	$467,092	$66,000	$533,092
Board Member	Vice President	0	Director	$0	$0	$0
Board Member	2nd Vice President	0	Director	$0	$0	$0
Board Member	Secretary	0	Director	$0	$0	$0
Board Member	Treasurer	0	Director	$0	$0	$0
Board Member	At Large	0	Director	$0	$0	$0
Board Member	At Large	0	Director	$0	$0	$0
Board Member	At Large	0	Director	$0	$0	$0
Board Member	At Large	0	Director	$0	$0	$0
Board Member	President	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	$1,104,729	$1,061,335	$1,412,454	$43,394
2022	$1,108,897	$943,043	$1,297,148	$165,854
2021	$1,013,477	$857,690	$1,183,683	$155,787
2020	$329,340	$715,039	$1,037,985	$-385,699

INSULATION CONTRACTORS ASSOCIATION OF AMERICA