COALITION PROTECTING AUTO NO-FAULT

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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

2004

Legal Domicile

Principal Officer

MARGARET KROESE

Phone

5173319083

Tax Period

2025-01-01 to 2025-12-31

COALITION PROTECTING AUTO NO-FAULT, founded in 2004, is a small nonprofit in the Community Improvement sector that reported $332K in total revenue in fiscal year 2025. The organization ran a surplus of $83K, a strong 25% operating margin.

Mission

CPAN IS THE CONSUMER ADVOCATE FOR AUTO INSURANCE POLICY HOLDERS, THOSE WHO HAVE BEEN INJURED IN A MOTOR VEHICLE CRASH AND OTHER MEDICAL PROVIDERS CARING FOR THEM, REPRESENTING THEM AT THE CAPITOL, IN THE COURTS, AND IN THE PUBLIC FORUM.

Program Service Accomplishments

Program 1

Expenses: $85,757

CPAN PROVIDED PUBLIC AWARENESS ON THE BENEFITS OF PRESERVING THE MICHIGAN AUTOMOBILE NO-FAULT SYSTEM. IT PROVIDED ANALYSIS OF THREATS AND EFFORTS TO REFORM THE SYSTEM. GRASS ROOTS ADVOCACY TRAINING TO MEMBERS AND NON-MEMBERS. CPANS EFFORTS WERE SUCCESSFUL IN REACHING OUT TO THE DIABILITY COMMUNITY, CONSUMER GROUPS, MEDICAL PROVIDERS AND REHABILITATION PROVIDERS. EDUCATION WE PROVIDED BY DIRECT COMMUNICATION, SHARING OF INFORMATION, WEBSITE AND GENERAL LITERATURE. MICHIGAN REQUIRES ALL DRIVERS TO PURCHASE NO-FAULT AUTOMOBILE INSURANCE. ALL MICHIGAN DRIVERS, PASSENGERS OF AUTOMOBILES AND THOSE INJURED AS A RESULT OF AN AUTOMOBILE ACCIDENT BENEFIT THROUGH CPANS EFFORTS TO BETTER EDUCATE.

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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 (2025)

Revenue Breakdown

Contributions & Grants $329,815

Program Service Revenue $0

Investment Income $2,253

Other Revenue $0

TOTAL REVENUE $332,068

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $85,757

Other Expenses $248,692

TOTAL EXPENSES $248,692

Year-over-Year Comparison

	2025	2024	Change
Revenue	$332,068	$319,448	+0.0%
Expenses	$248,692	$364,046	-0.3%
Net Income	$83,376	$-44,598	-2.9%

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
NICHOLE SHOTWELL	DIRECTOR	1.00	Director	$0	$0	$0
BILL SULLIVAN	DIRECTOR	1.00	Director	$0	$0	$0
KRIS NICHOLOFF	DIRECTOR	1.00	Director	$0	$0	$0
CHARLIE PARKHILL	DIRECTOR	1.00	Director	$0	$0	$0
STEVEN SIPORIN	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH RICHERT	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH PINER	DIRECTOR	1.00	Director	$0	$0	$0
BARBARA HERZOG	DIRECTOR	1.00	Director	$0	$0	$0
TOM JUDD	DIRECTOR	1.00	Director	$0	$0	$0
MIKE SHEHADI	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES SEIGERMAN	DIRECTOR	1.00	Director	$0	$0	$0
BRETT WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
KAREN PAKKALA	DIRECTOR	1.00	Director	$0	$0	$0
STACEY HETTIGER	DIRECTOR	1.00	Director	$0	$0	$0
CHALISSE WILLSON	DIRECTOR	1.00	Director	$0	$0	$0
ANIEMA UBOM	DIRECTOR	1.00	Director	$0	$0	$0
LAURA HAYNES	DIRECTOR	1.00	Director	$0	$0	$0
KATIE PONTIFEX	DIRECTOR	1.00	Director	$0	$0	$0
TAMMY HANNAH	TREASURER	1.00	Officer	$0	$0	$0
TIM GAUGHAN	SECRETARY	1.00	Key Emp	$0	$0	$0
STEVE PONTONI	VICE PRESIDENT	1.00	Officer	$0	$0	$0
MARGARET KROESE	PRESIDENT	1.00	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	$332,068	$248,692	$236,220	$83,376
2024	$319,448	$364,046	$107,324	$-44,598
2023	$297,843	$355,927	$190,463	$-58,084
2022	$286,694	$350,776	$230,965	$-64,082
2021	$431,093	$361,984	$294,340	$69,109
2020	$376,612	$487,229	$223,810	$-110,617
2019	$863,957	$666,585	$334,427	$197,372
2018	$459,070	$538,353	$147,840	$-79,283