Arizona Bankers Association (EIN 860002087) - 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

Paul Hickman

Phone

6022581200

Tax Period

2025-01-01 to 2025-12-31

Arizona Bankers Association, founded in 1974, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2025.

Mission

The organization promotes the general interest and welfare of banking, including sponsorship and participation in educational programs.

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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 $1,019,287

Investment Income $52,139

Other Revenue $16,291

TOTAL REVENUE $1,087,717

Expense Breakdown

Grants Paid $0

Salaries & Benefits $559,321

Fundraising Expenses $0

Program Expenses $1,087,718

Other Expenses $522,652

TOTAL EXPENSES $1,081,973

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,087,717	$1,025,139	+0.1%
Expenses	$1,081,973	$941,474	+0.1%
Net Income	$5,744	$83,665	-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

N/A

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

$723,798

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Paul Hickman	President & CEO	40.00	Officer	$238,163	$0	$476,326
Kerensa Williams	COO	40.00	Officer	$123,736	$0	$247,472
Tyson Rigby	Director	0.00	Director	$0	$0	$0
Jack Barry	Director	0.00	Director	$0	$0	$0
Norm Butler	Director	0.00	Director	$0	$0	$0
Frank Coumides	Director	0.00	Director	$0	$0	$0
Dillan Knudson	Chair-Elect	0.00	Officer Director	$0	$0	$0
Steve Curley	Director	0.00	Director	$0	$0	$0
Chet Samuelson	Vice Chairman	0.00	Officer Director	$0	$0	$0
Peter Hill	Treasurer	0.00	Officer Director	$0	$0	$0
Kyle Kennedy	Secretary	0.00	Officer Director	$0	$0	$0
Brian Riley	Director	0.00	Director	$0	$0	$0
Bernard Narine	Director	0.00	Director	$0	$0	$0
Brad Parker	Director	0.00	Officer Director	$0	$0	$0
Chris Webster	Director	0.00	Director	$0	$0	$0
Mark Stebbings	Director	0.00	Director	$0	$0	$0
Michal Paiva	Director	0.00	Director	$0	$0	$0
Aaron Lemke	Director	0.00	Director	$0	$0	$0
Rob Schwister	Director	0.00	Director	$0	$0	$0
Thomas Inserra	Director	0.00	Director	$0	$0	$0
Yves Mombeleur	Director	0.00	Director	$0	$0	$0
Brian Schwallie	Past Chariman	0.00	Officer	$0	$0	$0
Scott Vanderpool	Chariman	0.00	Officer	$0	$0	$0
Bill Callahan	Director	0.00		$0	$0	$0
Wayne Gale	Director	0.00		$0	$0	$0
Dave Matthews	Director	0.00		$0	$0	$0
Ryan Glennan	Director	0.00		$0	$0	$0
Joel Johnson	Director	0.00		$0	$0	$0
Brian Ruisnger	Secretary	0.00		$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	$1,087,717	$1,081,973	$2,026,175	$5,744
2024	$1,025,139	$941,474	$2,181,898	$83,665
2023	$935,747	$839,613	$1,289,674	$96,134
2022	$1,020,981	$968,095	$1,419,471	$52,886
2021	$949,166	$889,362	$1,350,084	$59,804
2020	$700,324	$699,807	$1,116,541	$517
2019	$933,114	$930,236	$1,264,861	$2,878
2018	$870,810	$783,702	$1,139,823	$87,108

Arizona Bankers Association