MONTANA LIFE & HEALTH INSURANCE GUARANTY ASSOCIATION (EIN 810360771) - 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

1974

Legal Domicile

Principal Officer

LORI GEADELMANN

Phone

4068807017

Tax Period

2025-01-01 to 2025-12-31

MONTANA LIFE & HEALTH INSURANCE GUARANTY ASSOCIATION, founded in 1974, is a small nonprofit that reported $537K in total revenue in fiscal year 2025. Revenue fell 77% from the prior year — a significant decline worth monitoring. Expenses of $981K exceeded revenue, resulting in a 83% operating deficit.

Mission

PROVIDE PROTECTIONS TO POLICYHOLDERS OF IMPAIRED OR INSOLVENT INSURERS

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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 $0

Program Service Revenue $159,725

Investment Income $357,658

Other Revenue $20,015

TOTAL REVENUE $537,398

Expense Breakdown

Grants Paid $0

Salaries & Benefits $107,000

Fundraising Expenses $0

Other Expenses $874,315

TOTAL EXPENSES $981,315

Year-over-Year Comparison

	2025	2024	Change
Revenue	$537,398	$2,382,346	-0.8%
Expenses	$981,315	$1,125,533	-0.1%
Net Income	$-443,917	$1,256,813	-1.4%

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

$107,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ASHLEE STRONG	DIRECTOR-PUBLIC MEMBER	1.00	Director	$0	$0	$0
LESLEY VON ESCHEN	DIRECTOR-PUBLIC MEMBER	1.00	Director	$0	$0	$0
N/A	BOARD CHAIR	1.00		$0	$0	$0
N/A	TREASURER/SECRETARY	1.00		$0	$0	$0
N/A	DIRECTOR	1.00		$0	$0	$0
N/A	DIRECTOR	1.00		$0	$0	$0
N/A	DIRECTOR	1.00		$0	$0	$0
N/A	DIRECTOR	1.00		$0	$0	$0
LORI GEADELMANN	EXECUTIVE DIRECTOR	20.00	Officer	$107,000	$0	$107,000

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	$537,398	$981,315	$10,462,229	$-443,917
2024	$2,382,346	$1,125,533	$10,906,146	$1,256,813
2023	$1,152,794	$373,396	$9,649,333	$779,398
2022	$436,269	$339,009	$8,869,935	$97,260
2021	$528,870	$355,363	$8,772,675	$173,507
2020	$499,088	$352,524	$8,599,168	$146,564
2019	$214,284	$481,796	$8,452,604	$-267,512
2018	$869,582	$1,002,761	$8,720,116	$-133,179

MONTANA LIFE & HEALTH INSURANCE GUARANTY ASSOCIATION