INTERNATIONAL RECIPROCAL TRADE ASSO (EIN 510243200) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1979

Legal Domicile

Principal Officer

RON WHITNEY

Phone

7573932292

Tax Period

2024-01-01 to 2024-12-31

INTERNATIONAL RECIPROCAL TRADE ASSO, founded in 1979, is a small nonprofit that reported $203K in total revenue in fiscal year 2018. Revenue fell 20% from the prior year — a significant decline worth monitoring. Expenses of $195K left a modest 4% surplus.

Mission

TO PROVIDE EDUCATION, SELF REGULATION AND GOVERNMENT RELATIONS FOR MODERN TRADE AND BARTER INDUSTRY

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $165,084

Program Service Revenue $0

Investment Income $0

Other Revenue $-2,616

TOTAL REVENUE $162,468

Expense Breakdown

Grants Paid $0

Salaries & Benefits $72,942

Fundraising Expenses $0

Other Expenses $81,350

TOTAL EXPENSES $154,292

Year-over-Year Comparison

	2024	2023	Change
Revenue	$162,468	$241,123	-0.3%
Expenses	$154,292	$161,830	0.0%
Net Income	$8,176	$79,293	-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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
RON WHITNEY	PRESIDENT/CE	N/A	Officer	$0	$0	$0
ANNETTE RIGGS	CHAIRMAN	N/A	Director	$0	$0	$0
SCOTT WHITMER	DIRECTOR	N/A	Director	$0	$0	$0
MARY ELLEN ROSINSKI	TREASURER	N/A	Director	$0	$0	$0
PATTI FALUS	DIRECTOR	N/A	Director	$0	$0	$0
DALE MARDAK	SECRETARY	N/A	Director	$0	$0	$0
M S SIMSEK	DIRECTOR	N/A	Director	$0	$0	$0
ROBIN MAINI	VICE CHAIRMA	N/A	Director	$0	$0	$0
KENT JOHNSON	DIRECTOR	N/A	Director	$0	$0	$0
TANYA GALDEMEZ	DIRECTOR	N/A	Director	$0	$0	$0
CHRIS HADDAWAY	DIRECTOR	N/A	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	$162,468	$154,292	$57,084	$8,176
2023	$241,123	$161,830	$67,154	$79,293
2022	$249,725	$279,941	$7,384	$-30,216
2021	$178,016	$220,364	$10,679	$-42,348
2020	$172,782	$195,867	$42,179	$-23,085
2019	$176,520	$207,862	$65,264	$-31,342
2018	$203,387	$194,975	$86,658	$8,412

INTERNATIONAL RECIPROCAL TRADE ASSO