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Nacm Northwest Co

Not tax-deductible

Portland, OR501(c)(6)Public & Societal BenefitEIN 93-0109215Revenue $1.5M in FY2024

On file with the IRSnacmcommercialservices.org7931 Ne Halsey St Ste 103, 97213-6761 · Portland, ORTax-exempt since May 1999

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Provide to subscribing members traditional trade association services (see schedule o) including training, education, and publications, and products and services for use by financial and credit executives, including credit reports, industry group services, and collection services.

Run by 11 volunteers.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

Before you give

FY2024 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(6)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
No
Donations are not tax-deductible
Worth a look: the IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
5 of 5
filings with a surplus
Average surplus $563K a year · 50% of revenue · last 5 filings
Looks good: a surplus in 5 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Cash reserves
2 mo
of spending, in cash
Fine: 1.8 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$164K
3% of total assets
Looks good: liabilities are 3% of assets; 50% or less.
Pt X · Ln 26
Independent board members
12
of 12 voting members
Looks good: 12 of 12 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$1.5M
-18% vs prior year
Spent
$610K
Net assets
$6.4M
By yearFY2020–FY2024
Revenue
$1.5M
FY2024▼ -18%
Tap a bar for its year
Revenue by fiscal year
FY2020$791K
FY2021$761K
FY2022$796K
FY2023$1.8M
FY2024$1.5M
Expenses
$610K
FY2024▲ +6%
Tap a bar for its year
Expenses by fiscal year
FY2020$489K
FY2021$500K
FY2022$590K
FY2023$577K
FY2024$610K
Net assets
$6.4M
FY2024▲ +18%
Tap a bar for its year
Net assets by fiscal year
FY2020$3.7M
FY2021$4.0M
FY2022$4.1M
FY2023$5.4M
FY2024$6.4M

From the FY2024 Form 990 · figures checked against the IRS filing · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in May 1999.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

13 people listed on the 990.

Part VII, Section A · reportable compensation
$0Pt VII · Sec A
Don Frigaard
Vice-Chair
$0Pt VII · Sec A
Brian Rindels
Secretary/Treasurer
$0Pt VII · Sec A
Eve Sahnow
Past Chair
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
See Nacm Northwest Co executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Offers training, education, publications, credit reports, and collection services to financial and credit executives.

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Provided by the organization

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1 program · in their own filed words · FY2024
01

Provided credit information, educational seminars and other professional development resources to association members.

Pt IX · col B

By the numbers

The FY2024 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$1.5M
Ln 12
Investment incomeLn 3$606K
Fees for servicesLn 2g$605K
Other incomeLn 4–11$240K
Money outPt IX
$610K
Ln 25
Owns and owesPt X
$6.4M
net assets · Ln 32
Cash and savingsLn 1–2$92K
Total assetsLn 16$6.5M
LiabilitiesLn 26$164K
PeoplePt VI, VII
13
listed · VII A
PaidVII A0
Voting boardVI 1a12
IndependentVI 1b12
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$605K
Investment incomeLn 3$606K
Other incomeLn 4–11$240K
Total revenueLn 12$1.5M
Assets in detailPt X, end of year
CashLn 1$92K
Cash and savings togetherLn 1–2$92K
InvestmentsLn 11–13$5.1M
Land, buildings, equipmentLn 10c$901K
Other assetsLn 15$29K
Total assetsLn 16$6.5M
LiabilitiesLn 26$164K
Net assetsLn 32$6.4M
OperationsPt I, VI
EmployeesI 50
VolunteersI 611
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$28K$92K
InvestmentsLn 11–13$4.5M$5.1M
Land, buildings, equipmentLn 10c$919K$901K
Total assetsLn 16$5.6M$6.5M
LiabilitiesLn 26$169K$164K
Net assetsLn 32$5.4M$6.4M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Other fees for servicesLn 11g$3K
Office expensesLn 13$6K
Conferences, conventions and meetingsLn 19$93K
Payments to affiliatesLn 21$93K
Other expenses (24a–d)Ln 24$409K
All other expensesLn 24e$7K
Total functional expensesLn 25$610K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest Viewing $1.5M$610K$842K$6.4M 990 PDF
FY2023 $1.8M$577K$1.2M$5.4M 990 PDF
FY2022 $796K$590K$207K$4.1M 990 PDF
FY2021 $761K$500K$261K$4.0M 990 PDF
FY2020 $791K$489K$302K$3.7M 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2024 990 (6 parts)
Part I · Summary $1,451,977 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $567,032$605,357
I-10 Investment incomePrior year $966,214$606,319
I-11 Other revenuePrior year $245,552$240,301
I-12 Total revenuePrior year $1,778,798$1,451,977
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $0$0
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $576,847$610,404
I-18 Total expensesPrior year $576,847$610,404
I-19 Revenue less expensesPrior year $1,201,951$841,573
Part VI · Governance 12 of 12 board members independent, no flags
VI-1a Voting members of the governing body12
VI-1b Independent voting members12
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $1,451,977 across 5 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $605,357$605,357
VIII-3 Investment incomeExcluded from tax $606,319$606,319
VIII-5 RoyaltiesExcluded from tax $40,568$40,568
VIII-6 Net rental income or lossExcluded from tax $199,733$199,733
VIII-12 Total revenueRelated to mission $605,357 · Unrelated business $0 · Excluded from tax $846,620$1,451,977
Part IX · Statement of functional expenses $610,404 across 6 lines filed
IX-11g Other fees for services$3,018
IX-13 Office expenses$5,641
IX-19 Conferences, conventions and meetings$92,800
IX-21 Payments to affiliates$93,342
IX-24 Other expenses (24a–d)$409,097
IX-24e All other expenses$6,506
IX-25 Total functional expenses$610,404
Part X · Balance sheet $6,532,311 assets, 15 lines filed
X-1 Cash, non-interest-bearingStart of year $28,027$91,941
X-4 Accounts receivableStart of year $47,670$343,016
X-9 Prepaid expenses and deferred chargesStart of year $66,413$76,584
X-10c Land, buildings and equipment, netStart of year $918,626$901,476
X-11 Publicly traded securitiesStart of year $3,117,767$3,734,708
X-12 Other securitiesStart of year $1,355,974$1,355,974
X-15 Other assetsStart of year $28,612$28,612
X-16 Total assetsStart of year $5,563,089$6,532,311
X-17 Accounts payable and accrued expensesStart of year $28,529$14,810
X-19 Deferred revenueStart of year $100,196$101,404
X-25 Other liabilitiesStart of year $40,707$48,069
X-26 Total liabilitiesStart of year $169,432$164,283
X-27 Net assets without donor restrictionsStart of year $5,393,657$6,368,028
X-32 Total net assets or fund balancesStart of year $5,393,657$6,368,028
X-33 Total liabilities and net assetsStart of year $5,563,089$6,532,311
Part XI · Reconciliation of net assets $6,368,028 net assets at year end
XI-1 Total revenue$1,451,977
XI-2 Total expenses$610,404
XI-3 Revenue less expenses$841,573
XI-4 Net assets at start of year$5,393,657
XI-5 Net unrealized gains (losses) on investments$132,798
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$6,368,028

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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