NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS-TEXAS (EIN 741074521) - 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

1925

Legal Domicile

Principal Officer

RENAE DAVIES

Phone

5127168800

Tax Period

2025-01-01 to 2025-12-31

NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS-TEXAS, founded in 1925, is a small nonprofit that reported $486K in total revenue in fiscal year 2025. Revenue surged 35% from the prior year, signaling strong growth momentum. The organization ran a surplus of $103K, a strong 21% operating margin.

Mission

TO ADVOCATE FOR A POSITIVE LEGISLATIVE AND REGULATORY ENVIRONMENT, ENHANCE BUSINESS AND PROFESSIONAL SKILLS, AND PROMOTE THE ETHICAL CONDUCT OF ASSOCIATION MEMBERS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $429,875

Investment Income $32,548

Other Revenue $23,733

TOTAL REVENUE $486,156

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $383,125

TOTAL EXPENSES $383,125

Year-over-Year Comparison

	2025	2024	Change
Revenue	$486,156	$359,480	+0.4%
Expenses	$383,125	$294,326	+0.3%
Net Income	$103,031	$65,154	+0.6%

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
RICK DEMKO	PRESIDENT	1.00	Officer Director	$0	$0	$0
JOE NEAL KERR	PRESIDENT ELECT	1.00	Officer Director	$0	$0	$0
KAREN EASTERLING	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
JIM THOMPSON	IMMEDIATE PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
ANDREA AMES	DIRECTOR	1.00	Director	$0	$0	$0
IAN ESCALANTE	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH HERNANDEZ	DIRECTOR	1.00	Director	$0	$0	$0
CARRIE SAYRE	DIRECTOR	1.00	Director	$0	$0	$0
DERECK BLAIR	DIRECTOR	1.00	Director	$0	$0	$0
RENAE DAVIES	EXECUTIVE DIRECTOR	40.00	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
2025	$486,156	$383,125	$1,405,955	$103,031
2024	$359,480	$294,326	$1,210,518	$65,154
2023	$384,108	$311,977	$1,032,611	$72,131
2022	$334,182	$309,322	$855,025	$24,860
2021	$366,295	$394,892	$958,569	$-28,597
2020	$382,052	$512,490	$961,907	$-130,438
2019	$415,971	$521,575	$1,020,112	$-105,604

NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS-TEXAS