OREGON FAIR PLAN ASSOCIATION (EIN 930571699) - 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

1971

Legal Domicile

Principal Officer

ANDREW DAVIES

Phone

5036435448

Tax Period

2024-01-01 to 2024-12-31

OREGON FAIR PLAN ASSOCIATION, founded in 1971, is a community nonprofit that reported $2.7M in total revenue in fiscal year 2024. Revenue surged 43% from the prior year, signaling strong growth momentum. The organization ran a surplus of $815K, a strong 30% operating margin.

Mission

TO ENSURE THAT ALL ELIGIBLE PROPERTY IN THE STATE OF OREGON CAN OBTAIN ESSENTIAL PROPERTY INSURANCE FOR THOSE WHO ARE UNABLE TO QUALIFY FOR COVERAGE UNDER TRADITIONAL INSURANCE PROVIDERS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,618,238

Investment Income $91,767

Other Revenue $0

TOTAL REVENUE $2,710,005

Expense Breakdown

Grants Paid $0

Salaries & Benefits $397,707

Fundraising Expenses $0

Other Expenses $1,497,190

TOTAL EXPENSES $1,894,897

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,710,005	$1,892,760	+0.4%
Expenses	$1,894,897	$1,521,943	+0.2%
Net Income	$815,108	$370,817	+1.2%

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

$151,230

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE STEINBECK	EXECUTIVE DI	40.00	Officer	$148,537	$2,693	$151,230
LINDA BOMBE	DIRECTOR	1.00	Director	$0	$0	$0
KAREN LANG	DIRECTOR	1.00	Director	$0	$0	$0
JON HEDEGARD	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW DAVIES	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
TROY USELMAN	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
2024	$2,710,005	$1,894,897	$4,926,399	$815,108
2023	$1,892,760	$1,521,943	$3,569,370	$370,817
2022	$1,090,472	$1,119,430	$2,979,621	$-28,958
2021	$884,405	$1,497,636	$2,874,839	$-613,231
2020	$876,942	$1,567,473	$3,500,763	$-690,531
2019	$849,167	$740,554	$4,136,015	$108,613
2018	$922,115	$807,166	$3,933,114	$114,949

OREGON FAIR PLAN ASSOCIATION