NATIONAL ASSOC OF BLIND MERCHANTS (EIN 383731356) - 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

2005

Legal Domicile

Principal Officer

NICHOLAS GACOS

Phone

8658060469

Tax Period

2024-01-01 to 2024-12-31

NATIONAL ASSOC OF BLIND MERCHANTS, founded in 2005, is a small nonprofit in the Human Services sector that reported $549K in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion.

Mission

TO SERVE AS AN ADVOCACY GROUP FOR THE ADVANCEMENT OF VOCATIONAL OPPORTUNITIES FOR THE BLIND AND A SUPPORT GROUP FOR BLIND MERCHANTS/ENTREPRENEURS TO IMPROVE BUSINESS OPPORTUNITIES AND QUALITY OF LIFE FOR THE BLIND.

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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 $694,616

Program Service Revenue $0

Investment Income $0

Other Revenue $-145,563

TOTAL REVENUE $549,053

Expense Breakdown

Grants Paid $278,850

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $488,111

Other Expenses $268,734

TOTAL EXPENSES $547,584

Year-over-Year Comparison

	2024	2023	Change
Revenue	$549,053	$463,594	+0.2%
Expenses	$547,584	$482,624	+0.1%
Net Income	$1,469	$-19,030	-1.1%

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

N/A

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
NICHOLAS GACOS	PRESIDENT	25.00	Officer Director	$0	$0	$0
HAROLD WILSON	BOARD MEMBER	1.00	Director	$0	$0	$0
EDWARD BIRMINGHAM	1ST VICE PRE	10.00	Officer Director	$0	$0	$0
MELISSA SMITH	SECRETARY	5.00	Officer Director	$0	$0	$0
PAMELA SCHNURR	TREASURER	5.00	Officer Director	$0	$0	$0
BELINDA BANKS	BOARD MEMBER	1.00	Director	$0	$0	$0
VIRGIL STINNETT	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHAEL TALLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
MELBA TAYLOR	BOARD MEMBER	1.00	Director	$0	$0	$0
THERESA TAYLOR	BOARD MEMBER	1.00	Director	$0	$0	$0
SCOTT GEHRES	BOARD MEMBER	1.00	Director	$0	$0	$0
ANNETTE LUTZ	BOARD MEMBER	1.00	Director	$0	$0	$0
MAX DUARTE	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHAEL COLBRUNN	2ND VICE PRE	10.00	Officer Director	$0	$0	$0
WILLIAM BLACK	BOARD MEMBER	1.00	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
2024	$549,053	$547,584	$400,766	$1,469
2023	$463,594	$482,624	$399,297	$-19,030
2022	$452,826	$462,646	$418,327	$-9,820
2021	$416,696	$316,412	$428,147	$100,284
2020	$383,189	$307,108	$327,863	$76,081
2019	$425,734	$407,747	$251,782	$17,987
2018	$393,328	$386,665	$233,795	$6,663

NATIONAL ASSOC OF BLIND MERCHANTS