INDEPENDENT INSURANCE AGENTS AND BROKERS OF ARIZONA (EIN 860002031) - 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

1988

Legal Domicile

Principal Officer

TERRI S EDWARDS

Phone

6029561851

Tax Period

2023-11-01 to 2024-10-31

INDEPENDENT INSURANCE AGENTS AND BROKERS OF ARIZONA, founded in 1988, is a small nonprofit that reported $790K in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $693K left a modest 12% surplus.

Mission

TO PROMOTE CIVIC, ALTRUISTIC AND SOCIAL WELFARE AMONG ITS MEMBERS, AS WELL AS TO INDOCTRINATE AND FOSTER SOUND, LEGITIMATE BUSINESS PRACTICES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $461,583

Program Service Revenue $220,755

Investment Income $10,945

Other Revenue $96,854

TOTAL REVENUE $790,137

Expense Breakdown

Grants Paid $0

Salaries & Benefits $256,629

Fundraising Expenses $0

Program Expenses $556,556

Other Expenses $435,933

TOTAL EXPENSES $692,562

Year-over-Year Comparison

	2023	2022	Change
Revenue	$790,137	$722,565	+0.1%
Expenses	$692,562	$633,691	+0.1%
Net Income	$97,575	$88,874	+0.1%

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

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

$148,492

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KIMBERLY ADAMS	DIRECTOR	2.00	Director	$0	$0	$0
JEFFREY CYR	DIRECTOR	2.00	Director	$0	$0	$0
WHITNEY HOELZEN	PRESIDENT	2.00	Officer Director	$0	$0	$0
KELLEY KIMBLE	DIRECTOR	2.00	Director	$0	$0	$0
TERESA K QUALE	DIRECTOR	2.00	Director	$0	$0	$0
TERRI S EDWARDS	EXECUTIVE VP	20.00	Officer	$58,750	$30,992	$148,492
DAVID CUMMARD	STATE NATION	2.00	Director	$0	$0	$0
MATTHEW I SNOWDEN	IMMEDIATE PA	2.00	Officer Director	$0	$0	$0
MARTIN L UHLHORN	PRESIDENT-EL	2.00	Officer Director	$0	$0	$0
TYLER WOODRUFF	DIRECTOR	2.00	Director	$0	$0	$0
MIKE GALLAUGHER	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
ZACH BURTON	SECRETARY/TR	2.00	Officer Director	$0	$0	$0
ADELIN M STAN	DIRECTOR	2.00	Director	$0	$0	$0
JAN SIMON	DIRECTOR	2.00	Director	$0	$0	$0
CHRISTOPHER DUNCAN	DIRECTOR	2.00	Director	$0	$0	$0
SARAH MITCHELL	DIRECTORS	2.00	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
2024	$790,137	$692,562	$3,521,773	$97,575
2023	$722,565	$633,691	$3,381,115	$88,874
2022	$745,933	$536,415	$3,393,255	$209,518
2021	$764,205	$569,512	$3,206,496	$194,693
2020	$515,508	$471,518	$3,102,422	$43,990
2019	$739,319	$571,706	$3,049,500	$167,613
2018	$767,461	$617,371	$2,998,170	$150,090

INDEPENDENT INSURANCE AGENTS AND BROKERS OF ARIZONA