National Association of Insurance Women (EIN 730678257) - 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

Formation Year

1940

Legal Domicile

Tax Period

2023-07-01 to 2024-06-30

National Association of Insurance Women, founded in 1940, is a small nonprofit that reported $376K in total revenue in fiscal year 2023.

Mission

NAIWs purpose is to encourage and to foster educational programs designed to broaden the insurance knowledge of its members.

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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 (2023)

Revenue Breakdown

Contributions & Grants $171,825

Program Service Revenue $188,031

Investment Income $11,328

Other Revenue $5,245

TOTAL REVENUE $376,429

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $414,010

Other Expenses $414,010

TOTAL EXPENSES $414,010

Year-over-Year Comparison

	2023	2022	Change
Revenue	$376,429	$373,731	+0.0%
Expenses	$414,010	$406,146	+0.0%
Net Income	$-37,581	$-32,415	+0.2%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Vikki Angelo	RVP 4	1.00	Director	$0	$0	$0
Cherri Harris	RVP 3	1.00	Director	$0	$0	$0
Linda Grayless	RVP 5	1.00	Director	$0	$0	$0
Terri Brennan	RVP 7	1.00	Director	$0	$0	$0
Brenda Hornyak	RVP 6	1.00	Director	$0	$0	$0
Donna Whited	RVP 2	1.00	Director	$0	$0	$0
Lori Meacher	RVP 1	1.00	Director	$0	$0	$0
Tammy Wascher	President	2.00	Officer Director	$0	$0	$0
Diane Martell	Past President	2.00	Officer Director	$0	$0	$0
Vickie Harmon	President Elect	2.00	Officer Director	$0	$0	$0
Jonel Leake	Secretary	2.00	Officer Director	$0	$0	$0
Lisa Hardin	Vice President	2.00	Officer Director	$0	$0	$0
Amanda Hammerli	Executive Director	35.00	Officer	$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	No data	No data	No data	No data
2024	$376,429	$414,010	$576,680	$-37,581
2023	$373,731	$406,146	$621,254	$-32,415
2022	$421,158	$450,936	$555,922	$-29,778
2021	$416,354	$461,474	$663,265	$-45,120
2020	$352,115	$373,722	$581,612	$-21,607
2019	$425,495	$476,369	$667,097	$-50,874

National Association of Insurance Women