OWNERS RISK MANAGEMENT ASSOCIATION

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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

2015

Legal Domicile

Principal Officer

JEFFREY A GUKENBERGER

Phone

2245581040

Tax Period

2025-01-01 to 2025-12-31

OWNERS RISK MANAGEMENT ASSOCIATION, founded in 2015, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2025.

Mission

FORMED FOR MCDONALDS OWNERS/OPERATORS ORMA WAS FOUNDED WITH AN OVERALL GOAL OF PROVIDING ITS MEMBERSHIP WITH STATE OF THE ART RISK MANAGEMENT RESOURCES INCLUDING

Program Service Accomplishments

Program 1

SAFETY FEES PAID TO ASSOCIATION BY INSURANCE BROKERS AND CARRIERS.

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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 $2,194,227

Program Service Revenue $0

Investment Income $24,196

Other Revenue $0

TOTAL REVENUE $2,218,423

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $2,194,071

TOTAL EXPENSES $2,194,071

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,218,423	$2,213,571	+0.0%
Expenses	$2,194,071	$1,966,457	+0.1%
Net Income	$24,352	$247,114	-0.9%

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
JUAN JC PRADO	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD HOGAN	DIRECTOR	1.00	Director	$0	$0	$0
DARRELL TROESTER	DIRECTOR	1.00	Director	$0	$0	$0
JOANNE MODARELLI	DIRECTOR	1.00	Director	$0	$0	$0
TIM MORGAN	DIRECTOR	1.00	Director	$0	$0	$0
JARED RAY	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH WONG	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE MANN CASTON	DIRECTOR	1.00	Director	$0	$0	$0
STEVE KILLIAN JR	DIRECTOR	1.00	Director	$0	$0	$0
BILL BROWN	DIRECTOR	1.00	Director	$0	$0	$0
JEFF DESCHER	DIRECTOR	1.00	Director	$0	$0	$0
WARREN SPANN	DIRECTOR	1.00	Director	$0	$0	$0
SUZANNE HEAD	DIRECTOR	1.00	Director	$0	$0	$0
MATT KADES	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER SMITH	DIRECTOR	1.00	Director	$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	$2,218,423	$2,194,071	$1,475,758	$24,352
2024	$2,213,571	$1,966,457	$1,464,552	$247,114
2023	$978,956	$1,113,878	$1,203,662	$-134,922
2022	$952,923	$1,510,022	$1,338,585	$-557,099
2021	$952,806	$865,278	$1,894,926	$87,528
2020	$981,089	$728,655	$1,807,398	$252,434