NATIONAL SMALL BUSINESS UNITED

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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

1937

Legal Domicile

Principal Officer

TODD MCCRACKEN

Phone

2025522906

Tax Period

2024-01-01 to 2024-12-31

NATIONAL SMALL BUSINESS UNITED, founded in 1937, is a community nonprofit that reported $3.5M in total revenue in fiscal year 2024. Expenses of $3.2M left a modest 10% surplus.

Mission

TO DEVELOP AND PROMOTE PROGRAMS OF NATIONAL POLICY THAT ARE OF SIGNIFICANT CONCERN TO THE SMALL BUSINESS COMMUNITY.

Program Service Accomplishments

Program 1

NSBA ADVOCATE, CONSULTANTS AND COMMITTEES AND MEMBERSHIP INFORMATION SERVICES. THESE PROGRAMS ARE ORGANIZED TO DEVELOP AND PROMOTE NATIONAL POLICY GOALS THAT ARE OF SIGNIFICANT CONCERN TO THE SMALL BUSINESS COMMUNITY; ENCOURAGE TWO-WAY COMMUNICATION BETWEEN AND AMONG GOVERNMENT, PROFESSIONALS, LABOR AND SMALL BUSINESS; AND TO INFORM THE PUBLIC OF THE IMPORTANCE OF SMALL BUSINESS TO THE ECONOMY, POLITICAL ENVIRONMENT, AND THE PRESERVATION OF FREEDOM.

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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 $0

Program Service Revenue $3,519,265

Investment Income $9,852

Other Revenue $4,822

TOTAL REVENUE $3,533,939

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,331,647

Fundraising Expenses $0

Other Expenses $834,683

TOTAL EXPENSES $3,166,330

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,533,939	$3,336,821	+0.1%
Expenses	$3,166,330	$3,031,755	+0.0%
Net Income	$367,609	$305,066	+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

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

$338,830

Total Directors

Key Employees

$514,348

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARILYN LUND	CHAIR	1.00	Officer Director	$0	$0	$0
MICHAEL CANTY	FIRST VICE CHAIR	1.00	Officer Director	$0	$0	$0
ROBERT TREIBER	IMMEDIATE PAST CHAIR	1.00	Officer Director	$0	$0	$0
KEVIN JOHNSON	SECRETARY	1.00	Officer Director	$0	$0	$0
MALCOLM PROUTY	TREASURER	1.00	Officer Director	$0	$0	$0
WILLIAM BELKNAP	VC - ADVOCACY	1.00	Officer Director	$0	$0	$0
JOANIE MYERS	VC OF COMMUNICATIONS	1.00	Officer Director	$0	$0	$0
SANJYOT DUNUNG	VC - MEMBERSHIP/MA	1.00	Officer Director	$0	$0	$0
DEAN BARTLES	TRUSTEE	1.00	Director	$0	$0	$0
DEAN BURROWS	TRUSTEE	1.00	Director	$0	$0	$0
ALEXANDER CATES	TRUSTEE	1.00	Director	$0	$0	$0
MOLLY CHAMBERLIN	TRUSTEE	1.00	Director	$0	$0	$0
ALICIA CHAPMAN	TRUSTEE	1.00	Director	$0	$0	$0
RICHARD FLEMING	TRUSTEE	1.00	Director	$0	$0	$0
JOHN FOSTER	TRUSTEE	1.00	Director	$0	$0	$0
MILAN GANDHI	TRUSTEE	1.00	Director	$0	$0	$0
MIGNONNE HOLLIS	TRUSTEE	1.00	Director	$0	$0	$0
MICHAEL JUDITH	TRUSTEE	1.00	Director	$0	$0	$0
ROBERT LESKO	TRUSTEE (FROM 1/1/24)	1.00	Director	$0	$0	$0
SHANON MARKS	TRUSTEE (FROM 1/1/24)	1.00	Director	$0	$0	$0
CALVIN MILLS	TRUSTEE	1.00	Director	$0	$0	$0
TAMEKA MONTGOMERY	TRUSTEE	1.00	Director	$0	$0	$0
ESTHER MONZON-AGUIRRE	TRUSTEE (FROM 1/1/24)	1.00	Director	$0	$0	$0
OLALAH NJENGA	TRUSTEE	1.00	Director	$0	$0	$0
TIMOTHY OPSITNICK	TRUSTEE	1.00	Director	$0	$0	$0
BOB SCHMIDT	TRUSTEE	1.00	Director	$0	$0	$0
MIKE SCHREURS	TRUSTEE	1.00	Director	$0	$0	$0
ROBERT SHEA	TRUSTEE	1.00	Director	$0	$0	$0
AMY WOOD	TRUSTEE (FROM 1/1/24)	1.00	Director	$0	$0	$0
VIRGINIA ZIMMERMAN	TRUSTEE	1.00	Director	$0	$0	$0
TODD MCCRACKEN	PRESIDENT & CEO	37.50	Officer	$314,479	$24,351	$338,830
JOEL H BROOKMEYER	SALES MANAGER	37.50	Key Emp	$196,884	$30,016	$226,900
PATRICK POST	SVP OF MEMBERSHIP/MRKTING	37.50	Key Emp	$276,315	$11,133	$287,448
MOLLY BROGAN DAY	VP OF COMMUNICATIONS	37.50	Highest	$133,429	$13,192	$146,621
SON THACH	DIRECTOR OF OPERATIONS	37.50	Highest	$130,385	$5,215	$135,600
SCOTT COVEN	SALES MANAGER	37.50	Highest	$268,435	$10,736	$279,171
REED WESTCOTT	DIR OF GOVT AFFAIRS	37.50	Highest	$117,308	$0	$117,308

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	$3,533,939	$3,166,330	$2,112,749	$367,609
2023	$3,336,821	$3,031,755	$1,948,171	$305,066
2022	$2,819,565	$2,501,367	$1,645,731	$318,198
2021	$2,645,028	$2,291,198	$916,029	$353,830
2020	$2,249,366	$2,016,204	$515,147	$233,162
2019	$2,030,864	$2,004,897	$289,519	$25,967
2018	$1,974,564	$2,065,068	$315,903	$-90,504