NORTHWEST IOWA FARM BUSINESS ASSOC (EIN 420688074) - 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

1940

Legal Domicile

Phone

7123243949

Tax Period

2025-01-01 to 2025-12-31

NORTHWEST IOWA FARM BUSINESS ASSOC, founded in 1940, is a small nonprofit that reported $241K in total revenue in fiscal year 2025. Revenue decreased 7% compared to the prior year.

Mission

TO TEACH FARMERS RECORDS AND ANALYSIS

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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 $240,024

Investment Income $766

Other Revenue $0

TOTAL REVENUE $240,790

Expense Breakdown

Grants Paid $0

Salaries & Benefits $181,277

Fundraising Expenses $0

Other Expenses $56,980

TOTAL EXPENSES $238,257

Year-over-Year Comparison

	2025	2024	Change
Revenue	$240,790	$258,729	-0.1%
Expenses	$238,257	$254,489	-0.1%
Net Income	$2,533	$4,240	-0.4%

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

N/A

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	Role	Reportable Comp	Other Comp	Total
CHARLES STROUTH	BOARD MEMBER	Director	$0	$0	$0
NICK KOCH	BOARD MEMBER	Director	$0	$0	$0
MARLYN WOELBER	President	Director	$0	$0	$0
TIM CHAPMAN	Vice President	Director	$0	$0	$0
CHAD NEGUS	Secretary	Director	$0	$0	$0
NATE HIBMA	BOARD MEMBER	Director	$0	$0	$0
STEVE CLARK	BOARD MEMBER	Director	$0	$0	$0
ANDREW BROWN	BOARD MEMBER	Director	$0	$0	$0
DAVE DE BOER	BOARD MEMBER	Director	$0	$0	$0
JEFF WINKEL	BOARD MEMBER	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	$240,790	$238,257	$264,419	$2,533
2024	$258,729	$254,489	$261,886	$4,240
2023	$214,059	$189,780	$257,646	$24,279
2022	$192,915	$208,108	$233,367	$-15,193
2021	$152,465	$163,999	$248,560	$-11,534
2020	$193,816	$166,092	$260,094	$27,724
2019	$180,663	$161,519	$232,370	$19,144
2018	$179,059	$169,742	$213,226	$9,317

NORTHWEST IOWA FARM BUSINESS ASSOC