NATIONAL ASSOCIATION OF WOMEN BUSI… - Form 990 Financial Data

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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

1975

Legal Domicile

Principal Officer

MEGAN PATTON

Phone

8005562926

Tax Period

2024-07-01 to 2025-06-30

NATIONAL ASSOCIATION OF WOMEN BUSINESS OWNERS, founded in 1975, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year. Expenses of $2.3M exceeded revenue, resulting in a 28% operating deficit.

Mission

THE NATIONAL ASSOCIATION OF WOMEN BUSINESS OWNERS (NAWBO) PROPELS WOMEN ENTREPRENEURS INTO ECONOMIC, SOCIAL AND POLITICAL SPHERES OF POWER WORLDWIDE BY: (1) STRENGTHENING THE WEALTH CREATING CAPACITY OF OUR MEMBERS AND PROMOTING ECONOMIC DEVELOPMENT WITHIN THE ENTREPRENEURIAL COMMUNITY; (2) CREATING INNOVATIVE AND EFFECTIVE CHANGE IN THE BUSINESS CULTURE; (3) BUILDING STRATEGIC ALLIANCES, COALITIONS AND AFFILIATIONS; AND (4) TRANSFORMING PUBLIC POLICY AND INFLUENCING OPINION MAKERS.

Program Service Accomplishments

Program 1

ANNUAL MEETING: MEMBERS FROM CHAPTERS, PRESIDENT ASSEMBLY STEERING COMMITTEE, AND THE NATIONAL BOARD MEET TO DISCUSS THE BUSINESS OF THE ASSOCIATION, AND RECEIVE LEADERSHIP TRAINING AND EXCHANGE...

ANNUAL MEETING: MEMBERS FROM CHAPTERS, PRESIDENT ASSEMBLY STEERING COMMITTEE, AND THE NATIONAL BOARD MEET TO DISCUSS THE BUSINESS OF THE ASSOCIATION, AND RECEIVE LEADERSHIP TRAINING AND EXCHANGE IDEAS AND STRATEGIES FOR CHAPTER GROWTH AND SUCCESS.

Program 2

ADVOCACY: PUBLIC POLICY ISSUES OF NATIONAL AND STATEWIDE INTEREST AFFECTING WOMEN BUSINESS OWNERS AND SMALL BUSINESSES.

Program 3

MEMBERSHIP: NAWBO IS A MEMBERSHIP-BASED ORGANIZATION WITH APPROXIMATELY 3,900 MEMBERS ACROSS THE COUNTRY. CHAPTERS ARE INDIVIDUALLY CHARTERED ORGANIZATIONS THAT SUPPORT WOMEN ENTREPRENEURS IN THE...

MEMBERSHIP: NAWBO IS A MEMBERSHIP-BASED ORGANIZATION WITH APPROXIMATELY 3,900 MEMBERS ACROSS THE COUNTRY. CHAPTERS ARE INDIVIDUALLY CHARTERED ORGANIZATIONS THAT SUPPORT WOMEN ENTREPRENEURS IN THE LOCAL COMMUNITIES AND UPHOLD THE MISSION AND VISION OF NAWBO.

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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 $695,060

Program Service Revenue $1,088,697

Investment Income $7,936

Other Revenue $16,649

TOTAL REVENUE $1,808,342

Expense Breakdown

Grants Paid $0

Salaries & Benefits $664,557

Fundraising Expenses $0

Other Expenses $1,651,401

TOTAL EXPENSES $2,315,958

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,808,342	$2,130,930	-0.2%
Expenses	$2,315,958	$2,127,115	+0.1%
Net Income	$-507,616	$3,815	-134.1%

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

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

$175,883

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEN EARLE	CEO, EX-OFFICIO	40.00	Officer	$135,061	$0	$175,883
JANIS SHINKAWA	CHAIR	3.00	Officer Director	$0	$0	$0
LISA COPPOLA	IMMEDIATE PAST CHAIR	3.00	Officer Director	$0	$0	$0
MEGAN PATTON	CHAIR ELECT	3.00	Officer Director	$0	$0	$0
THRESETTE BRIGGS	TREASURER	3.00	Officer Director	$0	$0	$0
LESA SEIBERT	SECRETARY	3.00	Officer Director	$0	$0	$0
SANDY CLITTER	DIRECTOR	2.00	Director	$0	$0	$0
BRENDA HARRIS	DIRECTOR, EX-OFFICIO	3.00	Director	$0	$0	$0
KRISTA MARTINEZ	DIRECTOR	2.00	Director	$0	$0	$0
VICTORIA STEVENSON	DIRECTOR	2.00	Director	$0	$0	$0
AMBER WALLACE	DIRECTOR	2.00	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
2025	$1,808,342	$2,315,958	$965,977	$-507,616
2024	$2,130,930	$2,127,114	$1,312,509	$3,816
2023	$1,896,066	$1,907,380	$1,906,178	$-11,314
2022	$1,627,640	$1,623,227	$1,729,741	$4,413
2021	$1,355,181	$1,385,392	$1,606,868	$-30,211
2020	$1,465,433	$1,667,052	$1,458,805	$-201,619
2019	$1,532,391	$1,552,336	$1,578,622	$-19,945

NATIONAL ASSOCIATION OF WOMEN BUSINESS OWNERS