NATIONAL PAWNBROKERS ASSOCIATION (EIN 650002221) - 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

1992

Legal Domicile

Principal Officer

KRISTEN WILLIAMS

Phone

5857344606

Tax Period

2023-01-01 to 2023-12-31

NATIONAL PAWNBROKERS ASSOCIATION, founded in 1992, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2023. Expenses of $2.1M exceeded revenue, resulting in a 12% operating deficit.

Mission

TO REPRESENT AND SUPPORT INDEPENDENT PAWNBROKERS AND THEIR INTERESTS THROUGH EDUCATION, TRAINING, NETWORKING AND ADVOCACY.

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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 $1,791,840

Investment Income $68,432

Other Revenue $5,380

TOTAL REVENUE $1,865,652

Expense Breakdown

Grants Paid $0

Salaries & Benefits $512,455

Fundraising Expenses $0

Other Expenses $1,583,873

TOTAL EXPENSES $2,096,328

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,865,652	$1,876,438	0.0%
Expenses	$2,096,328	$2,117,912	0.0%
Net Income	$-230,676	$-241,474	0.0%

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

$193,320

Total Directors

$193,320

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN WHITESIDE	PRESIDENT	1.00	Officer Director	$0	$0	$0
BOYD NAYLOR	PAST PRESIDE	1.00	Officer Director	$0	$0	$0
BILL DAWSON	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
CHAD CARTER	SECRETARY	1.00	Officer Director	$0	$0	$0
MICHAEL GOLDSTEIN	TREASURER	1.00	Officer Director	$0	$0	$0
BETH ANUNDI	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT BARNETT	DIRECTOR	1.00	Director	$0	$0	$0
RANDI BUTTERFIELD	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL COHEN	DIRECTOR	1.00	Director	$0	$0	$0
TIM COLLIER	DIRECTOR	1.00	Director	$0	$0	$0
JAY DUNBAR	DIRECTOR	1.00	Director	$0	$0	$0
PERRY LEWIN	DIRECTOR	1.00	Director	$0	$0	$0
LISA LITTLE	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS MCCARTHY	DIRECTOR	1.00	Director	$0	$0	$0
JEREMY POWELL	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT TIEMANN	DIRECTOR	1.00	Director	$0	$0	$0
ANTHONY VANEGAS	DIRECTOR	1.00	Director	$0	$0	$0
JEFF WILHELM	DIRECTOR	1.00	Director	$0	$0	$0
KRISTEN WILLIAMS	EXECUTIVE DI	40.00	Officer Director	$193,320	$0	$193,320

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	No data	No data	No data	No data
2023	$1,865,652	$2,096,328	$3,601,215	$-230,676
2022	$1,876,438	$2,117,912	$3,541,826	$-241,474
2021	$1,384,066	$1,922,756	$4,357,939	$-538,690
2020	$951,512	$1,453,477	$4,319,767	$-501,965
2019	$1,625,525	$1,657,416	$4,844,842	$-31,891

NATIONAL PAWNBROKERS ASSOCIATION