YMutual & Membership BenefitEIN: 300093453· Ruling Year: 2003

Smart Discipline Income Protection Program

Independence, Ohio

B+Health Score
66B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 2 peers in Mutual & Membership Benefit with $1M-$10M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org4.07×
Peer Median29.60×
💰
$7.3M
Total Revenue
📊
$4.7M
Total Expenses
🏦
$19.2M
Net Assets
📋
$6K
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
-29.5%
Year-over-year change (2021 → 2022)
Net Margin
+35.3%
Revenue minus expenses as % of revenue
Working Capital Ratio
4.07
Net assets divided by total expenses
Liabilities-to-Assets
0.0%
Total liabilities as % of total assets

Filing History

12 filings on record
YearRevenueExpensesAssets
2022$7,284,69630%$4,715,48137%$19,206,88615%
2021$10,340,09916%$7,439,46422%$16,638,07021%
2020$12,370,80817%$9,518,8766%$13,763,80435%
2019$14,887,865$10,080,51628%$10,195,409110%
2018$14,903,2943%$13,970,4667%$4,857,32711%
2017$14,460,9945%$15,064,8881%$4,387,72910%
2016$15,244,7264%$15,200,62214%$4,884,3656%
2015$14,630,3051%$17,694,0813%$4,609,15141%
2014$14,439,5541%$17,125,38812%$7,824,64124%
2013$14,238,0115%$15,288,4558%$10,286,7674%
2012$14,913,1318%$14,162,47310%$10,681,7588%
2011$13,800,186$12,861,180$9,927,597

Frequently Asked Questions

What does Smart Discipline Income Protection Program do?

Smart Discipline Income Protection Program is a mutual & membership benefit nonprofit organization based in Ohio. It is classified under NTEE code Y43 and is registered as a 501(c) tax-exempt organization with the IRS.

Is Smart Discipline Income Protection Program financially healthy?

Based on our 9-metric Financial Health Score model, Smart Discipline Income Protection Program has a score of 66/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Smart Discipline Income Protection Program generate?

Smart Discipline Income Protection Program reports $6.8M in annual revenue and holds $25.2M in total assets, based on IRS filings.

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