NATIONAL ASSOC OF WOMAN BUSINESS OWNERS (EIN 742854268) - 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

1975

Legal Domicile

Principal Officer

SHANNON BADGER

Phone

2107336611

Tax Period

2024-07-01 to 2025-06-30

NATIONAL ASSOC OF WOMAN BUSINESS OWNERS, founded in 1975, is a small nonprofit that reported $313K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $345K exceeded revenue, resulting in a 10% operating deficit.

Mission

NAWBO PROPELS WOMEN ENTREPRENEURS INTO ECONOMIC, SOCIAL, AND POLITICAL SPHERES OF POWER.

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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 $162,495

Program Service Revenue $150,234

Investment Income $0

Other Revenue $0

TOTAL REVENUE $312,729

Expense Breakdown

Grants Paid $5,000

Salaries & Benefits $91,790

Fundraising Expenses $0

Program Expenses $245,491

Other Expenses $247,930

TOTAL EXPENSES $344,720

Year-over-Year Comparison

	2024	2023	Change
Revenue	$312,729	$279,625	+0.1%
Expenses	$344,720	$315,453	+0.1%
Net Income	$-31,991	$-35,828	-0.1%

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

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

$112,200

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AQUILA MENDEZ-VALDEZ	MARKETING	2.00	Officer	$0	$0	$0
ARLENE SILLER	GROWTH & DEVELOPMENT	2.00	Officer	$0	$0	$0
BONIA OWENS	PUBLIC POLICY & ADVOCACY	2.00	Officer	$0	$0	$0
BONNIE GRACE	SECRETARY	2.00	Officer	$0	$0	$0
BRY MAURICIO	ADMIN COORDINATOR	20.00	Officer	$43,950	$0	$43,950
CHRISTINE DONOVAN	EXECUTIVE ADMINISTRATOR	40.00	Officer	$68,250	$0	$68,250
CYNTHIA PARSONS	MEMBER SERVICES	2.00	Officer	$0	$0	$0
MELISSA MASTRODMENICO	PRESIDENT ELECT	2.00	Officer	$0	$0	$0
MICHAL WAECHTER	PROGRAMS	2.00	Officer	$0	$0	$0
NISI BENNETT	DEI&B	2.00	Officer	$0	$0	$0
PAM GOBLE	CORPORATE & ECONOMIC DEV.	2.00	Officer	$0	$0	$0
SANDRA PINA	TREASURER	2.00	Officer	$0	$0	$0
SHANNON BADGER	PRESIDENT	2.00	Officer	$0	$0	$0
SUSAN OBREGON	WOMAN BUSINESS OWNER AWARD	2.00	Officer	$0	$0	$0
TIFFANIE CLAUSEWITZ	GOVERNANCE CHAIR	2.00	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	$312,729	$344,720	$147,578	$-31,991
2024	$279,625	$315,453	$173,535	$-35,828
2023	$291,397	$269,748	$208,936	$21,649
2022	$227,996	$204,185	$183,257	$23,811
2021	$198,036	$159,624	$159,499	$38,412
2020	$134,204	$136,587	$164,495	$-2,383
2019	$220,524	$165,195	$123,227	$55,329

NATIONAL ASSOC OF WOMAN BUSINESS OWNERS