INTERNATIONAL PREMIUM CIGAR AND PIPE RETAILERS ASSOCIATION INC (EIN 135342320) - 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

1933

Legal Domicile

Principal Officer

JOSHUA HABURSKY

Phone

4108234040

Tax Period

2024-01-01 to 2024-12-31

INTERNATIONAL PREMIUM CIGAR AND PIPE RETAILERS ASSOCIATION INC, founded in 1933, is a community nonprofit that reported $5.2M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.2M, a strong 23% operating margin.

Mission

FOR OVER 90 YEARS THE ORGANIZATION HAS BEEN THE LEADING ASSOCIATION FOR THE RETAIL TOBACCONISTS, DEDICATED TO PROTECTING THE INTEREST OF ITS MEMBERS AND KEEPING THEM INFORMED AND EDUCATED ABOUT THE INDUSTRY AND PROVIDING THEM THE NECESSARY TOOLS TO SUCCEED IN BUSINESS.

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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 $914,236

Program Service Revenue $3,558,999

Investment Income $582,931

Other Revenue $102,028

TOTAL REVENUE $5,158,194

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,141,828

Fundraising Expenses $0

Other Expenses $2,815,872

TOTAL EXPENSES $3,957,700

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,158,194	$4,422,157	+0.2%
Expenses	$3,957,700	$3,603,747	+0.1%
Net Income	$1,200,494	$818,410	+0.5%

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

Total Directors

Key Employees

$240,708

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSHUA HABURSKY	EXECUTIVE DI	50.00	Key Emp	$226,508	$14,200	$240,708
LISA COX	SR. DIRECTOR	40.00	Highest	$188,759	$5,663	$194,422
JOSEPH G LOOPE	STATE ADVOCA	40.00	Highest	$152,783	$20,903	$173,686
JAY DAVIS	DIRECTOR	2.00	Director	$0	$0	$0
CHRISTIAN EIROA	ASSOCIATE LI	5.00	Director	$0	$0	$0
JOSHUA EVARTS	DIRECTOR	2.00	Director	$0	$0	$0
ANTHONY GOINS	DIRECTOR	2.00	Director	$0	$0	$0
MIKE GOLD	DIRECTOR	2.00	Director	$0	$0	$0
PAUL GROH	TREASURER	5.00	Officer Director	$0	$0	$0
MICHAEL HERKLOTS	DIRECTOR	2.00	Director	$0	$0	$0
JESSICA HUTSON	DIRECTOR	2.00	Director	$0	$0	$0
TODD JOHNSON	DIRECTOR	2.00	Director	$0	$0	$0
KATHLEEN KELLY	DIRECTOR	2.00	Director	$0	$0	$0
TODD NAIFEH	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
LISSETTE PEREZ-CARRILLO	DIRECTOR	2.00	Director	$0	$0	$0
SCOTT REGINA	PRESIDENT	10.00	Officer Director	$0	$0	$0
BOB ROBERTS	DIRECTOR	2.00	Director	$0	$0	$0
MARY SZARMACH	SECRETARY	5.00	Officer Director	$0	$0	$0
JARRID TRUDEAU	DIRECTOR	2.00	Director	$0	$0	$0
TERESA WESSLING	DIRECTOR	2.00	Director	$0	$0	$0
ANGELA YUE	DIRECTOR	2.00	Director	$0	$0	$0
GREG ZIMMERMAN	EX-OFFICIO	5.00	Officer 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	$5,158,194	$3,957,700	$11,846,987	$1,200,494
2023	$4,422,157	$3,603,747	$8,448,690	$818,410
2022	$3,892,032	$3,221,576	$7,368,930	$670,456
2021	$3,185,449	$2,843,041	$8,242,097	$342,408
2020	$677,917	$2,993,919	$8,011,960	$-2,316,002
2019	$4,847,978	$5,704,529	$8,861,677	$-856,551
2018	$4,550,060	$4,936,078	$9,158,179	$-386,018

INTERNATIONAL PREMIUM CIGAR AND PIPE RETAILERS ASSOCIATION INC