SURPLUS LINE ASSOCIATION OF OREGON (EIN 930358258) - 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

1980

Legal Domicile

Principal Officer

JAMES E BROWN

Phone

5037186700

Tax Period

2025-01-01 to 2025-12-31

SURPLUS LINE ASSOCIATION OF OREGON, founded in 1980, is a small nonprofit that reported $957K in total revenue in fiscal year 2025. The organization ran a surplus of $167K, a strong 17% operating margin.

Mission

EXAMINATION OF INSURANCE POLICIES OF NONADMITTED 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 $0

Program Service Revenue $770,305

Investment Income $186,484

Other Revenue $463

TOTAL REVENUE $957,252

Expense Breakdown

Grants Paid $0

Salaries & Benefits $519,913

Fundraising Expenses $0

Program Expenses $587,850

Other Expenses $269,961

TOTAL EXPENSES $789,874

Year-over-Year Comparison

	2025	2024	Change
Revenue	$957,252	$955,115	+0.0%
Expenses	$789,874	$712,662	+0.1%
Net Income	$167,378	$242,453	-0.3%

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

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

$314,066

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES E BROWN	EXECUTIVE DIRECTOR	40.00	Officer	$162,500	$0	$162,500
CAROLEE LANCE	MANAGER	40.00	Officer	$145,800	$5,766	$151,566
JENNY CRANE	PRESIDENT	2.00	Officer Director	$0	$0	$0
KATE PRENTICE	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
LESLIE BALLARD	SECRETARY - TREASURER	1.00	Officer Director	$0	$0	$0
BRENT CLAIR	BOARD MEMBER	1.00	Director	$0	$0	$0
JIM HEISLER	BOARD MEMBER	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	$957,252	$789,874	$8,520,808	$167,378
2024	$955,115	$712,662	$7,476,378	$242,453
2023	$851,447	$661,250	$6,713,293	$190,197
2022	$807,472	$665,014	$5,806,105	$142,458
2021	$1,107,901	$566,434	$6,643,806	$541,467
2020	$610,307	$529,747	$5,662,635	$80,560
2019	$705,582	$628,262	$5,098,229	$77,320
2018	$1,042,096	$617,631	$4,195,304	$424,465

SURPLUS LINE ASSOCIATION OF OREGON