EDUCATION MARKET ASSOCIATION

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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

Legal Domicile

Principal Officer

KAREN PRINCE

Phone

8003955550

Tax Period

2025-01-01 to 2025-12-31

EDUCATION MARKET ASSOCIATION is a community nonprofit that reported $1.2M in total revenue in fiscal year 2025. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $1.5M exceeded revenue, resulting in a 24% operating deficit.

Mission

TO PROMOTE AN OPEN MARKET FOR QUALITY EDUCATIONAL PRODUCTS AND SERVICES PRODUCED AND DELIVERED BY PROFESSIONAL MANUFACTURERS AND DEALERS.

Program Service Accomplishments

Program 1

501(C)(6) TRADE ASSOCIATION SERVING EDUCATIONAL PRODUCTS MARKETPLACE.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,144,777

Investment Income $62,392

Other Revenue $116

TOTAL REVENUE $1,207,285

Expense Breakdown

Grants Paid $0

Salaries & Benefits $927,061

Fundraising Expenses $0

Program Expenses $1,498,678

Other Expenses $571,617

TOTAL EXPENSES $1,498,678

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,207,285	$980,203	+0.2%
Expenses	$1,498,678	$1,421,047	+0.1%
Net Income	$-291,393	$-440,844	-0.3%

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

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

$175,370

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES A MCGARRY	FORMER CEO	40.00		$252,674	$43,811	$296,485
ADRIENNE WATTS	PROGRAM DIRE	40.00	Highest	$137,642	$54,123	$191,765
KAREN PRINCE	COO	40.00	Officer	$133,257	$42,113	$175,370
SCHEDULE ATTACHED	TRUSTEE	5.00	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	$1,207,285	$1,498,678	$910,804	$-291,393
2024	$980,203	$1,421,047	$1,202,855	$-440,844
2023	$598,194	$1,409,411	$1,422,984	$-811,217
2022	$497,165	$1,354,422	$1,709,762	$-857,257
2021	$895,550	$1,307,887	$3,201,797	$-412,337
2020	$4,833,672	$2,159,752	$3,310,545	$2,673,920
2019	$2,695,830	$2,501,904	$1,171,653	$193,926
2018	$2,589,631	$2,684,099	$875,460	$-94,468