INDEPENDENT INSURANCE AGENTS ASSOC OF MONTANA INC (EIN 810212279) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1958

Legal Domicile

Principal Officer

BRYAN BERNIER

Phone

4064429555

Tax Period

2025-01-01 to 2025-12-31

INDEPENDENT INSURANCE AGENTS ASSOC OF MONTANA INC, founded in 1958, is a small nonprofit that reported $558K in total revenue in fiscal year 2025. Revenue surged 45% from the prior year, signaling strong growth momentum. The organization ran a surplus of $244K, a strong 44% operating margin.

Mission

PROVIDE PRODUCTS AND SERVICES TO MEMBERS, PROVIDE LEGISLATIVE AND REGULATORY ADVOCACY, COMMUNICATE WITH MEMBERS IN REGARDS TO THE INSURANCE INDUSTRY AND DEVELOPMENTS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $98,638

Program Service Revenue $87,955

Investment Income $216,828

Other Revenue $154,202

TOTAL REVENUE $557,623

Expense Breakdown

Grants Paid $0

Salaries & Benefits $92,523

Fundraising Expenses $0

Other Expenses $221,394

TOTAL EXPENSES $313,917

Year-over-Year Comparison

	2025	2024	Change
Revenue	$557,623	$384,538	+0.5%
Expenses	$313,917	$272,666	+0.2%
Net Income	$243,706	$111,872	+1.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

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
HEATH RICHMAN	PRESIDENT	1.00	Officer Director	$0	$0	$0
JEANETTE ALBRECHT	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
KENDALL MASSIE	IMMEDIATE PAST CHAIR	1.00	Director	$0	$0	$0
TOM CHAMBERLIN	NATIONAL DIRECTOR	1.00	Director	$0	$0	$0
ERICA MERCILL	DIRECTOR	1.00	Director	$0	$0	$0
AMANDA OLSON	DIRECTOR	1.00	Director	$0	$0	$0
CAMI SKINNER	DIRECTOR	1.00	Director	$0	$0	$0
KENZIE GREER	DIRECTOR	1.00	Director	$0	$0	$0
BRYAN BERNIER	EXECUTIVE DIRECTOR	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	$557,623	$313,917	$1,767,017	$243,706
2024	$384,538	$272,666	$1,479,946	$111,872
2023	$301,162	$266,008	$1,356,193	$35,154
2022	$315,869	$322,223	$1,298,262	$-6,354
2021	$342,717	$327,709	$1,367,262	$15,008
2020	$166,347	$179,422	$1,288,548	$-13,075
2019	$178,329	$178,721	$1,235,471	$-392
2018	$151,549	$140,260	$1,181,848	$11,289

INDEPENDENT INSURANCE AGENTS ASSOC OF MONTANA INC