African American Trade Association (EIN 852476594) - 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

2020

Legal Domicile

Principal Officer

Geneva Smith

Phone

3035201077

Tax Period

2023-01-01 to 2023-12-31

African American Trade Association, founded in 2020, is a small nonprofit in the Human Services sector that reported $462K in total revenue in fiscal year 2023. Revenue decreased 12% compared to the prior year. Expenses of $530K exceeded revenue, resulting in a 15% operating deficit.

Mission

Advocating to reduce wealth and health disparities among African Americans and to position black-owned businesses for growth.

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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 $462,228

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $462,228

Expense Breakdown

Grants Paid $0

Salaries & Benefits $387

Fundraising Expenses $0

Program Expenses $468,471

Other Expenses $529,837

TOTAL EXPENSES $530,224

Year-over-Year Comparison

	2023	2022	Change
Revenue	$462,228	$523,859	-0.1%
Expenses	$530,224	$537,562	0.0%
Net Income	$-67,996	$-13,703	+4.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Steve Jackson	President	020.00	Officer	$0	$0	$0
Terri Jackson	Vice President	040.00	Officer Highest	$0	$0	$0
Geneva Doss Smith	Tresurer	020.00	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	No data	No data	No data	No data
2023	$462,228	$530,224	$72,705	$-67,996
2022	$523,859	$537,562	$140,688	$-13,703
2021	$301,641	$158,880	$151,986	$142,761

African American Trade Association