NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS- NORTH DAKOTA (EIN 450339465) - 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

Legal Domicile

Phone

7012589525

Tax Period

2024-01-01 to 2024-12-31

NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS- NORTH DAKOTA is a micro nonprofit that reported $56K in total revenue in fiscal year 2024. Revenue fell 36% from the prior year — a significant decline worth monitoring. Expenses of $54K left a modest 3% surplus.

Mission

EMPOWERING FINANCIAL PROFESSIONALS & CONSUMERS THROUGH WORLD-CLASS ADVOCACY & EDUCATION.

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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 $425

Program Service Revenue $38,968

Investment Income $16,699

Other Revenue $0

TOTAL REVENUE $56,092

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $54,214

TOTAL EXPENSES $54,214

Year-over-Year Comparison

	2024	2023	Change
Revenue	$56,092	$87,280	-0.4%
Expenses	$54,214	$61,832	-0.1%
Net Income	$1,878	$25,448	-0.9%

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
KIM ALBERT	DIRECTOR	1.00	Director	$0	$0	$0
JEREMY VIDMAR	DIRECTOR	1.00	Director	$0	$0	$0
DANIELLE ZIMBRICK	DIRECTOR	1.00	Director	$0	$0	$0
BONNIE SPRECHER	DIRECTOR	1.00	Director	$0	$0	$0
PAUL SIEBERT	PAST PRESIDENT	2.00	Officer	$0	$0	$0
STEVE BERGEE	PRESIDENT	2.00	Officer	$0	$0	$0
STACY NORTON	PRESIDENT ELECT	2.00	Officer	$0	$0	$0
JESSICA WESTGARD LARSON	SECRETARY/TREASURER	2.00	Officer	$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	$56,092	$54,214	$253,869	$1,878

NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS- NORTH DAKOTA