NATIONAL ACTIVE & RETIRED FEDERAL EMPLOYEES ASSOCIATION (EIN 530114700) - 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

1921

Legal Domicile

Principal Officer

CINDY RENEE BLYTHE

Phone

7038387760

Tax Period

2024-01-01 to 2024-12-31

NATIONAL ACTIVE & RETIRED FEDERAL EMPLOYEES ASSOCIATION, founded in 1921, is a mid-sized nonprofit that reported $11.1M in total revenue in fiscal year 2018.

Mission

PROTECT & IMPROVE THE RETIREMENT BENEFITS OF FEDERAL RETIREES, EMPLOYEES, AND THEIR FAMILIES.

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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 $1,338,199

Program Service Revenue $5,531,789

Investment Income $541,918

Other Revenue $419,082

TOTAL REVENUE $7,830,988

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,125,868

Fundraising Expenses $0

Other Expenses $4,450,401

TOTAL EXPENSES $8,058,552

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,830,988	$8,345,520	-0.1%
Expenses	$8,058,552	$7,015,020	+0.1%
Net Income	$-227,564	$1,330,500	-1.2%

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

N/A

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

$368,969

Total Directors

$396,865

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHRYN E HENSLEY	NATIONAL SECRETARY/TREASUR	40.00	Officer Director	$119,062	$0	$119,062
CINDY R BLYTHE	REGIONAL VICE PRESIDENT	20.00	Director	$14,477	$0	$14,477
ROBERT L HELFRICH	REGIONAL VICE PRESIDENT	20.00	Director	$14,477	$0	$14,477
MARSHALL L RICHARDS	REGIONAL VICE PRESIDENT	20.00	Director	$14,477	$0	$14,477
ROBERT RUSKAMP	REGIONAL VICE PRESIDENT	20.00	Director	$14,477	$0	$14,477
SHARON REESE	REGIONAL VICE PRESIDENT	20.00	Director	$14,477	$0	$14,477
LARRY WALTON	REGIONAL VICE PRESIDENT	20.00	Director	$14,477	$0	$14,477
ROBERT ALLEN	REGIONAL VICE PRESIDENT	20.00	Director	$14,477	$0	$14,477
LYNN HARPER	REGIONAL VICE PRESIDENT	20.00	Director	$14,477	$0	$14,477
JEFF ANLIKER	REGIONAL VICE PRESIDENT	20.00	Director	$14,477	$0	$14,477
STEVEN ROY	REGIONAL VICE PRESIDENT	20.00	Director	$14,477	$0	$14,477
WILLIAM SHACKELFORD	NATIONAL PRESIDENT	40.00	Officer Director	$133,033	$0	$133,033
VERONICA BARNES	SENIOR DIRECTOR HR & ADMIN	40.00	Officer	$109,418	$7,456	$116,874
JOHANN DE CASTRO	STAFF VICE PRESIDENT	40.00	Highest	$134,761	$24,067	$158,828
JOHN HATTON	STAFF VICE PRESIDENT	40.00	Highest	$140,717	$23,478	$164,195

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	$7,830,988	$8,058,552	$14,366,771	$-227,564
2023	$8,345,520	$7,015,020	$14,112,794	$1,330,500
2022	$8,708,884	$8,220,846	$12,213,934	$488,038
2021	$9,376,790	$8,362,324	$13,503,074	$1,014,466
2020	$8,922,697	$8,303,285	$12,742,450	$619,412
2019	$9,360,228	$9,989,178	$11,287,171	$-628,950
2018	$11,086,439	$11,069,067	$10,619,182	$17,372

NATIONAL ACTIVE & RETIRED FEDERAL EMPLOYEES ASSOCIATION