National Automobile Dealers Association Employee Health Benefit Plan (EIN 521253647) - 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

1981

Legal Domicile

Principal Officer

Joseph L Cowden

Phone

8005576232

Tax Period

2024-01-01 to 2024-12-31

NATIONAL AUTOMOBILE DEALERS ASSOCIATION EMPLOYEE HEALTH BENEFIT PLAN, founded in 1981, is a community nonprofit that reported $4.4M in total revenue in fiscal year 2018. Revenue grew 15% year-over-year, indicating healthy expansion.

Mission

Established for the employees of the National Automobile Dealers Association (NADA).

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,371,327

Investment Income $0

Other Revenue $0

TOTAL REVENUE $4,371,327

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $205,117

TOTAL EXPENSES $4,372,626

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,371,327	$3,867,266	+0.1%
Expenses	$4,372,626	$3,859,231	+0.1%
Net Income	$-1,299	$8,035	-1.2%

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

N/A

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

$706,100

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Stephen R Pugh	EVP & CFO	2.00	Officer	$0	$9,855	$84,152
James C Minnis	SVP Legal & General Counsel	2.00	Officer	$0	$64,142	$621,948

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	$4,371,327	$4,372,626	$263,988	$-1,299
2023	$3,867,266	$3,859,231	$258,185	$8,035
2022	$3,774,138	$3,777,355	$317,965	$-3,217
2021	$3,896,581	$3,897,074	$274,352	$-493
2020	$3,765,276	$3,766,195	$332,286	$-919
2019	$4,128,343	$4,125,512	$243,207	$2,831
2018	$4,363,190	$4,358,469	$467,909	$4,721

National Automobile Dealers Association Employee Health Benefit Plan