NAVAL ENLISTED RESERVE ASSOCIATION INC (EIN 237238557) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1957

Legal Domicile

Principal Officer

STEPHEN R SANDY

Phone

7035341329

Tax Period

2020-09-01 to 2021-08-31

NAVAL ENLISTED RESERVE ASSOCIATION INC, founded in 1957, is a small nonprofit that reported $449K in total revenue in fiscal year 2018. The organization ran a surplus of $302K, a strong 67% operating margin.

Mission

TO PROVIDE INFORMATION AND SUPPORT SERVICES TO US NAVAL, US MARINE CORPS AND US COAST GUARD RESERVISTS, VETERANS, CADETS, AND THEIR FAMILIES.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2020)

Revenue Breakdown

Contributions & Grants $73,164

Program Service Revenue $34,170

Investment Income $3,618

Other Revenue $479

TOTAL REVENUE $111,431

Expense Breakdown

Grants Paid $12,000

Salaries & Benefits $64,496

Fundraising Expenses $0

Other Expenses $39,787

TOTAL EXPENSES $119,668

Year-over-Year Comparison

	2020	2019	Change
Revenue	$111,431	N/A	N/A
Expenses	$119,668	N/A	N/A
Net Income	$-8,237	$0	N/A

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHEN R SANDY	EXECUTIVE DIRECTOR	10.00	Officer Director	$0	$0	$0
CURTIS DEYOUNG	DEPUTY EXECUTIVE DIRECTOR	2.00	Officer	$0	$0	$0
JOANNE ELLIOTT	PRESIDENT	10.00	Officer Director	$0	$0	$0
MICHAEL P HUGHES	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
DENNIS HUNT	TREASURER	2.00	Officer Director	$0	$0	$0
JIM FRIERSON	SECRETARY	2.00	Officer Director	$0	$0	$0
EUGENE KOELKER	NATIONAL COUNSELOR	1.00	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
2021	$111,431	$119,668	$517,778	$-8,237
2019	$448,537	$146,854	$423,413	$301,683

NAVAL ENLISTED RESERVE ASSOCIATION INC