WYOMING LIFE HEALTH INSURANCE GUARANTY ASSOCIATION (EIN 830294618) - 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

1990

Legal Domicile

Principal Officer

Kerry Hall

Phone

8003620944

Tax Period

2025-01-01 to 2025-12-31

WYOMING LIFE HEALTH INSURANCE GUARANTY ASSOCIATION, founded in 1990, is a small nonprofit that reported $879K in total revenue in fiscal year 2025. Revenue surged 395% from the prior year, signaling strong growth momentum. Expenses of $2.2M exceeded revenue, resulting in a 150% operating deficit.

Mission

To provide protection to Wyoming resident policyholders in the event of the failure of the insurance company that issued their life, annuity or health insurance policy, in accordance with Wyoming law.

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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 $776,909

Investment Income $101,700

Other Revenue $0

TOTAL REVENUE $878,609

Expense Breakdown

Grants Paid $0

Salaries & Benefits $104,750

Fundraising Expenses $0

Program Expenses $0

Other Expenses $137,493

TOTAL EXPENSES $2,192,711

Year-over-Year Comparison

	2025	2024	Change
Revenue	$878,609	$177,365	+4.0%
Expenses	$2,192,711	$256,508	+7.5%
Net Income	$-1,314,102	$-79,143	+15.6%

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

$104,750

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Candie Kinch dba Pine Tree Administ	Administrator	40	Officer	$104,750	$0	$104,750
N/A	Director	0.25		$0	$0	$0
N/A	Director	0.25		$0	$0	$0
N/A	Director	0.25		$0	$0	$0
N/A	Director	0.25		$0	$0	$0
N/A	Director	0.25		$0	$0	$0
Kerry Hall	Chairman of the Board of Directors	1	Officer	$0	$0	$0
Diane Gore	Secretary Treasurer of the Board of Directors	1	Officer	$0	$0	$0
Sonya Ekart	Vice Chair of the Board of Directors	1.0	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	$878,609	$2,192,711	$2,901,305	$-1,314,102
2024	No data	No data	No data	No data
2023	$217,145	$535,659	$4,261,118	$-318,514
2022	$971,104	$248,707	$4,478,370	$722,397
2021	$17,328,512	$20,808,453	$3,868,389	$-3,479,941
2020	$123,838	$415,285	$7,411,045	$-291,447
2018	$10,069	$377,965	$7,286,861	$-367,896

WYOMING LIFE HEALTH INSURANCE GUARANTY ASSOCIATION