TENNESSEE AUTOMOBILE INSURANCE PLAN

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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

1949

Legal Domicile

Phone

4019462310

Tax Period

2022-01-01 to 2022-12-31

TENNESSEE AUTOMOBILE INSURANCE PLAN, founded in 1949, is a micro nonprofit that reported $6K in total revenue in fiscal year 2022. Expenses of $136K exceeded revenue, resulting in a 2255% operating deficit.

Mission

To make motor vehicle insurance available for persons not able to obtain coverage in the voluntary market.

Program Service Accomplishments

Program 1

To make motor vehicle insurance available for persons not able to obtain coverage in the voluntary market.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,532

Investment Income $3,829

Other Revenue $400

TOTAL REVENUE $5,761

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,517

Fundraising Expenses $0

Other Expenses $134,145

TOTAL EXPENSES $135,662

Year-over-Year Comparison

	2022	2021	Change
Revenue	$5,761	N/A	N/A
Expenses	$135,662	N/A	N/A
Net Income	$-129,901	N/A	N/A

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
N/A	Gov Comm Member	1.00	Director	$0	$0	$0
N/A	Gov Comm Member	1.00	Director	$0	$0	$0
N/A	Vice Chair	1.00	Director	$0	$0	$0
N/A	Chair	1.00	Director	$0	$0	$0
N/A	Gov Comm Member	1.00	Director	$0	$0	$0
N/A	Gov Comm Member	1.00	Director	$0	$0	$0
N/A	Gov Comm Member	1.00	Director	$0	$0	$0
N/A	Gov Comm Member	1.00	Director	$0	$0	$0
N/A	Gov Comm Member	1.00	Director	$0	$0	$0
N/A	Gov Comm Member	1.00	Director	$0	$0	$0
N/A	Gov Comm Member	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
2022	$5,761	$135,662	$531,989	$-129,901