Montana Self-Insurers Guaranty Fund (EIN 810460228) - 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

1989

Legal Domicile

Principal Officer

Janet Bastian

Phone

4062341420

Tax Period

2024-07-01 to 2025-06-30

Montana Self-Insurers Guaranty Fund, founded in 1989, is a small nonprofit in the Employment sector that reported $254K in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $168K, a strong 66% operating margin.

Mission

To provide coverage of workers compensation claims for bankrupt member self-insurers in Montana.

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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 $118,140

Investment Income $135,585

Other Revenue $0

TOTAL REVENUE $253,725

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $86,014

TOTAL EXPENSES $86,014

Year-over-Year Comparison

	2024	2023	Change
Revenue	$253,725	$204,736	+0.2%
Expenses	$86,014	$66,166	+0.3%
Net Income	$167,711	$138,570	+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

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
Donna Haeder	President/Chairperson	1.00	Officer Director	$0	$0	$0
Greg Johnson	Secretary/Treasurer	1.00	Officer Director	$0	$0	$0
Lea Potozcny	Board Member	1.00	Director	$0	$0	$0
Chris Hopkins	Board Member	1.00	Director	$0	$0	$0
Carla Inama	Board Member	1.00	Director	$0	$0	$0
Janet Bastian	Executive Director	4.00	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	$253,725	$86,014	$3,728,173	$167,711
2024	$204,736	$66,166	$3,535,458	$138,570
2023	$160,932	$81,087	$3,268,992	$79,845
2022	$132,700	$62,010	$3,199,960	$70,690
2021	$156,168	$72,743	$3,287,081	$83,425
2020	$170,978	$69,937	$3,241,535	$101,041
2019	$163,320	$67,073	$3,041,394	$96,247

Montana Self-Insurers Guaranty Fund