National Association of Women Business Owners - Chicago Chapter (EIN 363610441) - 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

1987

Legal Domicile

Principal Officer

Angie Noll

Phone

7738048589

Tax Period

2024-07-01 to 2025-06-30

National Association of Women Business Owners - Chicago Chapter, founded in 1987, is a small nonprofit that reported $124K in total revenue in fiscal year 2024. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $140K exceeded revenue, resulting in a 13% operating deficit.

Mission

To support women business owners in the community through dissemination of printed material on ownership topics and opportunities and provide education and networking support

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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 $95,665

Program Service Revenue $-640

Investment Income $0

Other Revenue $29,067

TOTAL REVENUE $124,092

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $140,201

TOTAL EXPENSES $140,201

Year-over-Year Comparison

	2024	2023	Change
Revenue	$124,092	$175,948	-0.3%
Expenses	$140,201	$138,317	+0.0%
Net Income	$-16,109	$37,631	-1.4%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jeffery Simon	Director-at-Large	3.0	Director	$0	$0	$0
Melissa Lagowski	Executive Director	20.0	Officer Director	$0	$0	$0
Angie Noll	President	5.0	Officer Director	$0	$0	$0
Lynette DeRose	Treasurer	5.0	Officer Director	$0	$0	$0
Cheryl Vargas	Immediate Past President	5.0	Officer Director	$0	$0	$0
Courtney Smith	Secretary	3.0	Director	$0	$0	$0
Irene Caminer	Director-at-Large	3.0	Director	$0	$0	$0
Lindsey Evans	Director-at-Large	3.0	Director	$0	$0	$0
Letticia Flores-Poole	Director-at-Large	3.0	Director	$0	$0	$0
Anabel Lopez	Director-at-Large	3.0	Director	$0	$0	$0
Heather Polcaster	Director-at-Large	3.0	Director	$0	$0	$0
Ebony Whitson	Director-at-Large	3.0	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	$124,092	$140,201	$80,199	$-16,109
2024	$175,948	$138,317	$52,469	$37,631
2023	$129,110	$134,268	$26,820	$-5,158
2022	$134,213	$129,419	$23,161	$4,794
2021	$159,907	$128,298	$27,465	$31,609
2020	$107,473	$115,943	$32,382	$-8,470
2019	$125,632	$141,996	$12,130	$-16,364
2018	$108,384	$111,152	$25,031	$-2,768

National Association of Women Business Owners - Chicago Chapter