NORTH DAKOTA BANKERS ASSOCIATION (EIN 450172930) - 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

1988

Legal Domicile

Principal Officer

RICK CLAYBURGH

Phone

7012235303

Tax Period

2023-08-01 to 2024-07-31

NORTH DAKOTA BANKERS ASSOCIATION, founded in 1988, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2023. Revenue surged 21% from the prior year, signaling strong growth momentum.

Mission

PROVIDE EDUCATION TO ITS MEMBERS THROUGH CONFERENCES, SEMINARS, MAILINGS AND TO PROMOTE THE BANKING INDUSTRY.

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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 $0

Program Service Revenue $1,468,996

Investment Income $70,811

Other Revenue $327,654

TOTAL REVENUE $1,867,461

Expense Breakdown

Grants Paid $0

Salaries & Benefits $947,229

Fundraising Expenses $0

Other Expenses $960,868

TOTAL EXPENSES $1,908,097

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,867,461	$1,543,383	+0.2%
Expenses	$1,908,097	$1,595,424	+0.2%
Net Income	$-40,636	$-52,041	-0.2%

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

$310,055

Total Directors

$310,055

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DENEEN AXTMAN	CHAIR	2.00	Officer Director	$0	$0	$0
BERNIE SINNER	CHAIR-ELECT	2.00	Officer Director	$0	$0	$0
JAMIE NELSON	TREASURER	2.00	Officer Director	$0	$0	$0
PAT ARTZ	DIRECTOR	2.00	Director	$0	$0	$0
PAIGE BJORNSON	DIRECTOR	2.00	Director	$0	$0	$0
GREG GESS	DIRECTOR	2.00	Director	$0	$0	$0
TORY HART	DIRECTOR	2.00	Director	$0	$0	$0
SAVANNAH HENDRICKSON	DIRECTOR	2.00	Director	$0	$0	$0
PETE JAHNER	IMMEDIATE PAST CHAIR	2.00	Director	$0	$0	$0
LORI LEINGANG	DIRECTOR	2.00	Director	$0	$0	$0
JEFF LEUTHOLD	DIRECTOR	2.00	Director	$0	$0	$0
AMY MAZIGIAN	DIRECTOR	2.00	Director	$0	$0	$0
TARA MCFADDEN	DIRECTOR	2.00	Director	$0	$0	$0
DREW OLAFSON	DIRECTOR	2.00	Director	$0	$0	$0
LADAWN SCHMITT	DIRECTOR	2.00	Director	$0	$0	$0
KATHY TORSKE	DIRECTOR	2.00	Director	$0	$0	$0
JOE WATZKE	DIRECTOR	2.00	Director	$0	$0	$0
RICK CLAYBURGH	PRESIDENT/CEO	32.00	Officer Director	$272,960	$37,095	$310,055

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	No data	No data	No data	No data
2024	$1,867,461	$1,908,097	$3,748,832	$-40,636
2023	$1,543,383	$1,595,424	$3,797,853	$-52,041
2022	$1,718,847	$1,730,160	$3,870,374	$-11,313
2021	$1,428,988	$1,313,353	$3,839,147	$115,635
2020	$1,223,394	$1,336,141	$3,818,166	$-112,747
2020	$1,223,394	$1,336,141	$3,818,166	$-112,747
2019	$1,315,183	$1,435,347	$3,646,824	$-120,164

NORTH DAKOTA BANKERS ASSOCIATION