NORTH AMERICAN CELTIC BUYERS ASSOC (EIN 043469822) - 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

1999

Legal Domicile

Principal Officer

THOMAS MCGRATH

Phone

2018429922

Tax Period

2024-10-01 to 2025-09-30

NORTH AMERICAN CELTIC BUYERS ASSOC, founded in 1999, is a small nonprofit in the Community Improvement sector that reported $189K in total revenue in fiscal year 2024. Expenses of $174K left a modest 8% surplus.

Mission

NORTH AMERICAN CELTIC BUYERS ASSOCIATION IS A TRADE ASSOCIATION REPRESENTING CELTIC RETAIL STORES IN THE UNITED STATES AND CANADA. ITS MISSION IS TO FACILIATE COMMUNICATION AMOUNG BUSINESSES, VENDORS, TRADE BOARDS, AND TO DEVELOP PROGRAMS OF VALUE TO 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 (2024)

Revenue Breakdown

Contributions & Grants $31,398

Program Service Revenue $157,232

Investment Income $273

Other Revenue $0

TOTAL REVENUE $188,903

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,875

Fundraising Expenses $0

Program Expenses $118,532

Other Expenses $171,828

TOTAL EXPENSES $173,703

Year-over-Year Comparison

	2024	2023	Change
Revenue	$188,903	$184,695	+0.0%
Expenses	$173,703	$177,678	0.0%
Net Income	$15,200	$7,017	+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

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	Role	Reportable Comp	Other Comp	Total
MICHELLE BURKE	BOARD MEMBER	Director	$0	$0	$0
BOB HEINEY	BOARD MEMBER	Director	$0	$0	$0
CC O'BRIEN-CREE	BOARD MEMBER	Director	$0	$0	$0
JOHN HOGAN	BOARD MEMBER	Director	$0	$0	$0
TIFFANI HEALEY	BOARD MEMBER	Director	$0	$0	$0
TIMOTHY BAUERACHS	TREASURER	Officer	$0	$0	$0
MEGAN O'MEARA	SECRETARY	Officer	$0	$0	$0
ASHLEY ROONEY	VICE PRESIDENT	Officer	$0	$0	$0
TOM MCGRATH	PRESIDENT	Officer	$0	$0	$0
CATHY COGHLAN	BOARD MEMBER	Officer	$0	$0	$0
LORRAINE RYAN	BOARD MEMBER	Officer	$0	$0	$0
EMILY WARREN	BOARD MEMBER	Officer	$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	$188,903	$173,703	$131,773	$15,200
2024	$184,695	$177,678	$117,435	$7,017
2023	$210,543	$213,939	$110,010	$-3,396
2022	$184,149	$173,013	$112,506	$11,136
2021	$85,734	$57,948	$102,836	$27,786
2020	$157,051	$136,454	$73,905	$20,597
2019	$203,084	$190,167	$55,186	$12,917

NORTH AMERICAN CELTIC BUYERS ASSOC