OREGON ASSOC OF HEALTH UNDERWRITERS (EIN 930877481) - 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

1997

Legal Domicile

Principal Officer

TIM RASCH

Phone

5035420924

Tax Period

2022-01-01 to 2022-06-30

OREGON ASSOC OF HEALTH UNDERWRITERS, founded in 1997, is a small nonprofit that reported $165K in total revenue in fiscal year 2021. Revenue fell 29% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $30K, a strong 18% operating margin.

Mission

TO INFORM AND EDUCATE MEMBERS.

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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 (2021)

Revenue Breakdown

Contributions & Grants $510

Program Service Revenue $161,231

Investment Income $2

Other Revenue $3,080

TOTAL REVENUE $164,823

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $135,208

TOTAL EXPENSES $135,208

Year-over-Year Comparison

	2021	2020	Change
Revenue	$164,823	$231,318	-0.3%
Expenses	$135,208	$123,378	+0.1%
Net Income	$29,615	$107,940	-0.7%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JULIANNE HORNER	PRESIDENT EL	0.50	Officer Director	$0	$0	$0
TIM RASCH	PRESIDENT	1.00	Officer Director	$0	$0	$0
BEN DAVIS	TREASURER	0.50	Officer Director	$0	$0	$0
ERICA HEDBERG	SECRETARY	0.25	Officer Director	$0	$0	$0
STACY CARMICHAEL	PAST PRESIDE	0.25	Director	$0	$0	$0
TAYLOR KANE	LEGISLATIVE	1.00	Director	$0	$0	$0
LEONORA ARANDA	AWARDS CHAIR	0.25	Director	$0	$0	$0
ALLAN SEFTON	MEMBERSHIP C	0.50	Director	$0	$0	$0
MIKE STASTNY	HUPAC CHAIR	0.25	Director	$0	$0	$0
STEPHANIE KAMP	STATE CONV	0.25	Director	$0	$0	$0
DAVID AUDLEY	MEDIA REL CH	0.25	Director	$0	$0	$0
MEREDITH BRAKER	PORTLAND VP	0.25	Director	$0	$0	$0
ATHENA ROBERTSON	CENT WILL VA	0.25	Director	$0	$0	$0
GALEN BLYTH	CENT/EAST OR	0.25	Director	$0	$0	$0
ROBERT MULCARE	SOUTH OR VP	0.25	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
2022	$164,823	$135,208	$171,534	$29,615
2021	$231,318	$123,378	$173,170	$107,940

OREGON ASSOC OF HEALTH UNDERWRITERS