HAWAII INSURANCE BUREAU INC (EIN 990140916) - 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

1983

Legal Domicile

Principal Officer

STEFANIE YOUNG

Phone

8085312771

Tax Period

2024-01-01 to 2024-12-31

HAWAII INSURANCE BUREAU INC, founded in 1983, is a community nonprofit that reported $4.5M in total revenue in fiscal year 2024. Expenses of $4.4M left a modest 3% surplus.

Mission

TO PROVIDE QUALITY INSURANCE RELATED PRODUCTS AND SERVICES THROUGH STATE-OF-THE-ART TECHNOLOGIES.

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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 $4,458,715

Investment Income $49,495

Other Revenue $290

TOTAL REVENUE $4,508,500

Expense Breakdown

Grants Paid $0

Salaries & Benefits $18,792

Fundraising Expenses $0

Other Expenses $4,342,818

TOTAL EXPENSES $4,361,610

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,508,500	$4,190,761	+0.1%
Expenses	$4,361,610	$4,029,804	+0.1%
Net Income	$146,890	$160,957	-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

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
MATTHEW CHEUNG	CHAIR/PRESIDENT	3.00	Officer Director	$0	$0	$0
LANE NISHIOKA	DIRECTOR	1.00	Director	$0	$0	$0
STEFANIE YOUNG	VICE CHAIR/SECRETARY/TREAS	3.00	Officer Director	$0	$0	$0
JEFFREY GRIMMER	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL MITSUKA	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	$4,508,500	$4,361,610	$1,982,353	$146,890
2023	$4,190,761	$4,029,804	$1,861,534	$160,957
2022	$3,964,251	$3,876,367	$1,667,783	$87,884
2021	$3,889,667	$3,902,655	$1,784,825	$-12,988
2020	$3,839,417	$3,713,039	$1,878,456	$126,378
2019	$3,561,638	$3,655,921	$1,679,117	$-94,283
2018	$3,502,070	$3,614,489	$1,709,605	$-112,419

HAWAII INSURANCE BUREAU INC