philanthropy.org | 990 Resource | FAQ Verify yourself
Sign in

Nacm Northwest Co FY2020 filing

Not tax-deductible

Portland, OR501(c)(6)Public & Societal Benefit EIN 93-0109215Revenue $791K in FY2020Latest return filed Oct 24, 2025

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

Claim this org

(tell your story, add context, and more) Claim it free, then get the verified mark for $500 a year.

How does your 990 look to donors? Take the 10-Question Audit

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.

501(c)(6) business league; gifts are not tax-deductible as charitable contributions.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78

Before you give

FY2020 · 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
25 mo
of spending, in cash
Plus $1.4M in investments, Pt X · Ln 11–13
Looks good: 25.1 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$139K
4% of total assets
Looks good: liabilities are 4% of assets; 50% or less.
Pt X · Ln 26
Independent board members
11
of 11 voting members
Looks good: 11 of 11 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$791K
Spent
$489K
Net assets
$3.7M
By yearFY2020–FY2024
Revenue
$791K
FY2020
Tap a bar for its year
Revenue by fiscal year
FY2020$791K
FY2021$761K
FY2022$796K
FY2023$1.8M
FY2024$1.5M
Expenses
$489K
FY2020
Tap a bar for its year
Expenses by fiscal year
FY2020$489K
FY2021$500K
FY2022$590K
FY2023$577K
FY2024$610K
Net assets
$3.7M
FY2020
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 FY2020 Form 990 · figures checked against the IRS filing · see the original

Give Claim
You’re viewing the FY2020 filing — not the latest on file. See the latest (FY2024) →

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

12 people listed on the 990.

Part VII, Section A · reportable compensation
$0Pt VII · Sec A
$0Pt VII · Sec A
Pam Wagner
Vice-Chair
$0Pt VII · Sec A
Mark Teeter
Secretary-Treasurer
$0Pt VII · Sec A
Mark Balstad
Past Chair
$0Pt VII · Sec A
$0Pt VII · Sec A
Don Frigaard
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
See Nacm Northwest Co executive salaries →

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.

Questions for Nacm Northwest Co

Tap to ask. Nacm Northwest Co sees how many people are interested.

Your first name shows with your question. Nacm Northwest Co answers here, for everyone.

1 program · in their own filed words · FY2020
01

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

Pt IX · col B

By the numbers

The FY2020 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$791K
Ln 12
Fees for servicesLn 2g$571K
Other incomeLn 4–11$200K
Investment incomeLn 3$19K
Money outPt IX
$489K
Ln 25
Owns and owesPt X
$3.7M
net assets · Ln 32
Cash and savingsLn 1–2$1.0M
Total assetsLn 16$3.8M
LiabilitiesLn 26$139K
PeoplePt VI, VII
12
listed · VII A
PaidVII A0
Voting boardVI 1a11
IndependentVI 1b11
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$571K
Investment incomeLn 3$19K
Other incomeLn 4–11$200K
Total revenueLn 12$791K
Assets in detailPt X, end of year
SavingsLn 2$1.0M
Cash and savings togetherLn 1–2$1.0M
InvestmentsLn 11–13$1.4M
Land, buildings, equipmentLn 10c$1.0M
Other assetsLn 15$24K
Total assetsLn 16$3.8M
LiabilitiesLn 26$139K
Net assetsLn 32$3.7M
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 FY20End FY20
Cash and savingsLn 1–2$568K$1.0M
InvestmentsLn 11–13$1.4M$1.4M
Land, buildings, equipmentLn 10c$1.1M$1.0M
Total assetsLn 16$3.5M$3.8M
LiabilitiesLn 26$124K$139K
Net assetsLn 32$3.4M$3.7M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Other fees for servicesLn 11g$2K
Office expensesLn 13$3K
TravelLn 17$4K
Conferences, conventions and meetingsLn 19$8K
Payments to affiliatesLn 21$92K
Other expenses (24a–d)Ln 24$379K
All other expensesLn 24e$400
Total functional expensesLn 25$489K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 LatestFiled with the IRS Oct 24, 2025 $1.5M$610K$842K$6.4M 990 PDF
FY2023Filed with the IRS Nov 12, 2024 $1.8M$577K$1.2M$5.4M 990 PDF
FY2022Filed with the IRS Nov 10, 2023 $796K$590K$207K$4.1M 990 PDF
FY2021Filed with the IRS Nov 1, 2022 $761K$500K$261K$4.0M 990 PDF
FY2020 ViewingFiled with the IRS Nov 9, 2021 $791K$489K$302K$3.7M 990 PDF

Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2020 990 (6 parts)
Part I · Summary $790,655 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $611,040$571,468
I-10 Investment incomePrior year $25,720$18,882
I-11 Other revenuePrior year $211,943$200,305
I-12 Total revenuePrior year $848,703$790,655
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 $603,513$488,557
I-18 Total expensesPrior year $603,513$488,557
I-19 Revenue less expensesPrior year $245,190$302,098
Part VI · Governance 11 of 11 board members independent, no flags
VI-1a Voting members of the governing body11
VI-1b Independent voting members11
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 $790,655 across 5 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $571,468$571,468
VIII-3 Investment incomeExcluded from tax $18,882$18,882
VIII-5 RoyaltiesExcluded from tax $17,839$17,839
VIII-6 Net rental income or lossExcluded from tax $182,466$182,466
VIII-12 Total revenueRelated to mission $571,468 · Unrelated business $0 · Excluded from tax $219,187$790,655
Part IX · Statement of functional expenses $488,557 across 7 lines filed
IX-11g Other fees for services$2,156
IX-13 Office expenses$3,087
IX-17 Travel$4,463
IX-19 Conferences, conventions and meetings$7,569
IX-21 Payments to affiliates$91,901
IX-24 Other expenses (24a–d)$378,981
IX-24e All other expenses$400
IX-25 Total functional expenses$488,557
Part X · Balance sheet $3,819,724 assets, 14 lines filed
X-2 Savings and temporary cash investmentsStart of year $567,939$1,021,544
X-4 Accounts receivableStart of year $408,117$359,959
X-9 Prepaid expenses and deferred chargesStart of year $49,052$38,578
X-10c Land, buildings and equipment, netStart of year $1,087,589$1,019,851
X-12 Other securitiesStart of year $1,355,974$1,355,974
X-15 Other assetsStart of year $34,344$23,818
X-16 Total assetsStart of year $3,503,015$3,819,724
X-17 Accounts payable and accrued expensesStart of year $25,001$28,877
X-19 Deferred revenueStart of year $76,480$87,512
X-25 Other liabilitiesStart of year $22,846$22,549
X-26 Total liabilitiesStart of year $124,327$138,938
X-27 Net assets without donor restrictionsStart of year $3,378,688$3,680,786
X-32 Total net assets or fund balancesStart of year $3,378,688$3,680,786
X-33 Total liabilities and net assetsStart of year $3,503,015$3,819,724
Part XI · Reconciliation of net assets $3,680,786 net assets at year end
XI-1 Total revenue$790,655
XI-2 Total expenses$488,557
XI-3 Revenue less expenses$302,098
XI-4 Net assets at start of year$3,378,688
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$3,680,786

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

Similar organizations you could support · Compare with another nonprofit

Names, privacy, and removal requests More

The names, titles, and compensation shown on this page are reproduced from IRS Form 990 filings, which are public records.

Philanthropy.org does not alter the content of those filings. All information appears exactly as reported by the filing organization for the tax year shown.

We publish only information contained in the public IRS filing — and less than the filing contains. Our profile pages do not display street addresses, telephone numbers, personal email addresses, or other personal contact information, even where the filing includes them.

Many people share the same name. A name shown on this page reflects only what one organization reported in one IRS filing for one tax year. It should not be interpreted as identifying any other individual with the same or a similar name.

If you are no longer affiliated with the organization, your name will generally stop appearing in future IRS filings once the organization no longer reports you. Pages for tax years in which you were reported remain published because those filings remain part of the public record.

Philanthropy.org does not alter or remove IRS filing records. Removing a page from this website would not remove the underlying IRS filing, which remains publicly available from the IRS and other publishers of the same information.

If you believe the IRS filing itself is inaccurate, corrections must be made by the filing organization or the IRS directly.

All figures are derived from public IRS Form 990 filings and are presented without evaluation of any organization. philanthropy.org does not rate, score, or rank organizations, including the pay comparisons above.