NONPROFITS INSURANCE ALLIANCE OF CALIFORNIA INC (EIN 770203935) - 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

1988

Legal Domicile

Principal Officer

PAMELA DAVIS

Phone

8314590980

Tax Period

2024-01-01 to 2024-12-31

NONPROFITS INSURANCE ALLIANCE OF CALIFORNIA INC, founded in 1988, is a major nonprofit in the Mutual Benefit sector that reported $134.2M in total revenue in fiscal year 2024. Revenue surged 20% from the prior year, signaling strong growth momentum. Expenses of $171.8M exceeded revenue, resulting in a 28% operating deficit.

Mission

CHARITABLE RISK POOL FOR CALIFORNIA NONPROFIT ORGANIZATIONS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $121,691,142

Investment Income $11,975,255

Other Revenue $543,780

TOTAL REVENUE $134,210,177

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $171,248,578

Other Expenses $171,758,446

TOTAL EXPENSES $171,758,446

Year-over-Year Comparison

	2024	2023	Change
Revenue	$134,210,177	$111,635,462	+0.2%
Expenses	$171,758,446	$130,224,520	+0.3%
Net Income	$-37,548,269	$-18,589,058	+1.0%

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

$1,034,966

Total Directors

$524,492

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAMELA DAVIS	PRESIDENT & CEO	17.00	Officer Director	$0	$25,928	$524,492
TAMMY WILSON	CHAIRMAN	1.00	Officer Director	$0	$0	$0
DANILO GARCIA	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
RACHEL KATZ	SECRETARY	1.00	Officer Director	$0	$0	$0
KRISTIN BRADBURY	DIRECTOR	1.00	Director	$0	$0	$0
NORRIS CLARK	DIRECTOR	1.00	Director	$0	$0	$0
DEBRA GORE	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH HARRINGTON	DIRECTOR	1.00	Director	$0	$0	$0
MARTHA MARCON	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL MAYDECK	DIRECTOR	1.00	Director	$0	$0	$0
MEGHAN MCGOWAN	DIRECTOR (TO FEB '24)	1.00	Director	$0	$0	$0
SARAH NEWKIRK	DIRECTOR	1.00	Director	$0	$0	$0
GREGORY SCOTT	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINE WESTBROOK	DIRECTOR (FROM FEB '24)	1.00	Director	$0	$0	$0
KIM ADAY	CFO & TREASURER (TO JUN '24)	17.00	Officer	$0	$29,535	$326,272
CARLOS BALLESTEROS	CFO & TREASURER (FROM JUN '24)	17.00	Officer	$0	$6,769	$184,202

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	$134,210,177	$171,758,446	$535,730,681	$-37,548,269
2023	$111,635,462	$130,224,520	$464,492,768	$-18,589,058
2022	$95,011,038	$98,903,704	$405,463,318	$-3,892,666
2021	$88,356,752	$83,555,743	$422,311,251	$4,801,009
2020	$86,694,272	$71,709,862	$398,976,620	$14,984,410
2019	$75,332,492	$66,613,945	$370,320,195	$8,718,547
2018	$72,781,064	$64,198,650	$349,074,591	$8,582,414

NONPROFITS INSURANCE ALLIANCE OF CALIFORNIA INC