NATIONAL ASSOCIATION OF INVESTORS … - 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

1951

Legal Domicile

Principal Officer

LINDSEY BELL

Phone

2485836242

Tax Period

2023-10-01 to 2024-09-30

NATIONAL ASSOCIATION OF INVESTORS CORPORATION, founded in 1951, is a community nonprofit in the Human Services sector that reported $2.9M in total revenue in fiscal year 2023. Expenses of $3.2M exceeded revenue, resulting in a 12% operating deficit.

Mission

PROGRAM OF SOUND INVESTMENT INFORMATION, EDUCATION, AND SUPPORT. OUR MISSION IS TO EDUCATE INDIVIDUAL INVESTORS AND INVESTMENT CLUBS TO BECOME SUCCESSFUL LIFELONG INVESTORS.

Program Service Accomplishments

Program 1

Expenses: $2,770,848

FAR TOO MANY AMERICANS ARE MISSING OUT ON THE BASIC BUILDING BLOCKS OF WEALTH CREATION BECAUSE OF LACK OF KNOWLEDGE, EXPOSURE AND OPPORTUNITY. TOO MANY STILL LACK BASIC INVESTMENT EDUCATION. THROUGH OUR PROGRAMS, THE NATIONAL ASSOCIATION OF INVESTORS (NAIC) AIMS TO ADDRESS THESE ISSUES AND EMPOWER INDIVIDUAL INVESTORS TO BUILD A STRONG FINANCIAL FOUNDATION. NAIC/BETTERINVESTING INTRODUCES INDIVIDUALS TO THE BENEFITS OF OWNING AND INVESTING IN STOCK. THE ORGANIZATION PROVIDES A PROGRAM OF UNBIASED, IN- DEPTH INVESTING EDUCATION TO CREATE SUCCESSFUL LIFELONG INVESTORS. THE ORGANIZATION ENCOURAGES A LONG TERM APPROACH TO INVESTING AND FINANCIAL LITERACY THAT FOCUSES ON THE SELECTION AND OWNERSHIP OF HIGH-QUALITY COMPANIES. BETTERINVESTING STAFF TEACH THE ORGANIZATION'S PRICIPLES AND TIME-TESTED METHODOLOGY VIA LIVE EDUCATIONAL WEBINARS. BETTERINVESTING MAGAZINE IS THE NAIC/BETTERINVESTING MONTHLY PUBLICATION ON A VARIETY OF FINANCIAL EDUCATION TOPICS DISTRIBUTED TO ALL MEMBERS. A DEDICATED INCLUSIVE COMMUNITY OF VOLUNTEERS ACROSS AMERICA DEVELOPS AND DELIVERS EDUCATIONAL PROGRAMS TO INDIVIDUALS AND INVESTMENT CLUBS. HUNDREDS OF CLASSES ARE OFFERED LOCALLY AND/OR ONLINE EACH YEAR. THESE EDUCATIONAL PROGRAMS ARE FOR THE GENERAL PUBLIC, WITH PROGRAMS FOR BEGINNERS AS WELL AS FOR THOSE WHO WANT TO EXPAND THEIR KNOWLEDGE OF INVESTING. THE BETTER INVESTING VOLUNTEER ADVISORY BOARD SPONSORS AND PRODUCES ONE ANNUAL CONFERENCE: THE BETTERINVESTING NATIONAL CONVENTION, WHICH OFFERS DOZENS OF INVESTMENT EDUCATION SEMINARS OVER MULTIPLE DAYS. ADDITIONALLY, NAIC/BETTERINVESTING PROVIDES TUTORIAL-BASED, ONLINE TOOLS FOR STOCK MARKET ANALYSIS AND PORTFOLIO MANAGEMENT FROM BEGINNER TO EXPERT.

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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 (2023)

Revenue Breakdown

Contributions & Grants $161,234

Program Service Revenue $1,961,382

Investment Income $60,756

Other Revenue $700,909

TOTAL REVENUE $2,884,281

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,661,914

Fundraising Expenses $0

Program Expenses $2,770,848

Other Expenses $1,567,333

TOTAL EXPENSES $3,229,247

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,884,281	$2,685,843	+0.1%
Expenses	$3,229,247	$3,019,528	+0.1%
Net Income	$-344,966	$-333,685	+0.0%

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

479

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

$4,450

Total Directors

$10,925

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEN ZENDEL	FORMER CEO	47.70		$171,012	$26,839	$197,851
SUZANNE ARTZBERGER	DIRECTOR OF	40.00	Highest	$111,309	$23,807	$135,116
CLIFF TRENT	DIR OF OPS &	40.00	Highest	$112,879	$12,126	$125,005
LINDSEY BELL	CHAIR	3.50	Director	$1,550	$0	$1,550
PAT DONNELLY	DIRECTOR	3.50	Director	$1,550	$0	$1,550
CYRELL LYNCH	CHAIR	3.50	Officer Director	$1,550	$0	$1,550
IONNIE MCNEILL	DIRECTOR	3.50	Director	$1,550	$0	$1,550
JACKIE KOSKI	VICE CHAIR	3.50	Officer Director	$1,525	$0	$1,525
JOHN GANNON	SECRETARY	3.50	Officer Director	$1,375	$0	$1,375
PAT GAMBLE-MOORE	DIRECTOR	3.50	Director	$1,225	$0	$1,225
CAROL THEINE	DIRECTOR	3.50	Director	$600	$0	$600
MICHAEL CALBERT	TREASURER	3.50	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	$2,884,281	$3,229,247	$3,287,371	$-344,966
2023	$2,685,843	$3,019,528	$3,653,908	$-333,685
2022	$3,265,301	$2,975,245	$3,989,057	$290,056
2021	$2,490,210	$2,653,740	$3,823,314	$-163,530
2020	$2,170,565	$2,540,547	$3,876,994	$-369,982
2019	$2,703,637	$2,728,352	$4,341,223	$-24,715
2018	$2,698,844	$2,748,907	$4,611,622	$-50,063

NATIONAL ASSOCIATION OF INVESTORS CORPORATION