NACM NORTH CENTRAL

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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

2012

Legal Domicile

Principal Officer

TANYA GUY

Phone

7632534300

Tax Period

2024-05-01 to 2025-04-30

NACM NORTH CENTRAL, founded in 2012, is a small nonprofit in the Community Improvement sector that reported $448K in total revenue in fiscal year 2024. Expenses of $401K left a modest 11% surplus.

Mission

PROMOTE THE COMMON BUSINESS INTEREST AND IMPROVE BUSINESS CONDITIONS AS WELL AS TO PROVIDE EDUCATIONAL OPPORTUNITIES FOR COMMERCIAL CREDIT PROFESSIONALS REPRESENTING ORGANIZATIONS EXTENDING COMMERCIAL CREDIT.

Program Service Accomplishments

Program 1

SEMINARS AND MEMBERSHIP MEETINGS:PROVIDE EDUCATION AND SUPPORT SERVICES TO ASSOCIATION MEMBERS RELATED TO COMMERCIAL CREDIT MATTERS.

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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 $396,669

Investment Income $35,277

Other Revenue $16,476

TOTAL REVENUE $448,422

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $401,174

TOTAL EXPENSES $401,174

Year-over-Year Comparison

	2024	2023	Change
Revenue	$448,422	$461,270	0.0%
Expenses	$401,174	$411,943	0.0%
Net Income	$47,248	$49,327	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

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

$250,764

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELLE OCHETTI	COUNCILOR	0.50	Officer Director	$0	$0	$0
KARRIE LYNCH	CHAIR	1.00	Officer Director	$0	$0	$0
MIKE BARNIDGE	DIRECTOR	0.50	Director	$0	$0	$0
BONNIE HALVORSON	FIRST VICE CHAIR	0.50	Officer Director	$0	$0	$0
JENNIFER HIELSBERG	DIRECTOR	0.50	Director	$0	$0	$0
BENNETT KRENIK	NATIONAL BOARD REP	0.50	Director	$0	$0	$0
MIKE BARNIDE	DIRECTOR	0.00	Director	$0	$0	$0
TRAVIS MOE	DIRECTOR	0.00	Director	$0	$0	$0
GUY MEYERS	DIRECTOR	0.00	Director	$0	$0	$0
KAYLEE TSCHIDA	DIRECTOR	0.00	Director	$0	$0	$0
MARK MERRELL	CONTROLLER	2.00	Officer	$0	$18,867	$101,229
TANYA GUY	PRESIDENT	2.00	Officer	$0	$24,017	$149,535
SHANNON WILD	VICE PRESIDENT OF FAMS	0.00	Officer	$0	$0	$0
KEN SONDAY	DIRECTOR - INFORMATION AND TECHNOLOGY	5.00	Highest	$0	$30,503	$149,697

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	$448,422	$401,174	$982,141	$47,248
2024	$461,270	$411,943	$954,988	$49,327
2023	$440,262	$415,317	$1,052,451	$24,945
2022	$438,863	$420,734	$1,040,430	$18,129
2021	$446,399	$425,754	$1,080,013	$20,645
2020	$486,928	$439,880	$715,968	$47,048
2019	$490,078	$450,920	$709,289	$39,158