Liabilities / Assets
82nd percentile
Higher debt load relative to assets than 82% of similar nonprofits.
Naafa Inc
EIN 41-1690649 • 501(c)6 • Circle Pines, MN
Profile
The association shall strive to provide professional fellowship by dedicating its activities to furthering the highest degree of ethical service to the insuring public. The association will support the strictest adherence to the integrity of its members as professional insurance agents. We will promote professional conduct and protect the legislative interest of our members through awareness and understanding of the issues facing the independent contractor insurance agents.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.22x
Liabilities / Revenue
92nd percentile
Higher debt load relative to revenue than 92% of similar nonprofits.
Net Margin
67th percentile
Higher net margin than 67% of similar nonprofits.
Top Officer Pay
77th percentile
Higher top officer pay than 77% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
62nd percentile
Faster asset growth than 62% of similar nonprofits.
Revenue Growth
65th percentile
Faster revenue growth than 65% of similar nonprofits.
Balance Sheet
Assets
Up$178,003
Up $8,131 (+4.8%) from 2024
Liabilities
Flat$39,125
Flat from 2024
Net Assets
Up$138,878
Up $8,131 (+6.2%) from 2024
Revenue
Up$84,606
Up $6,464 (+8.3%) from 2024
Expenses
Up$76,475
Up $9,764 (+15%) from 2024
Net Income
Down$8,131
Down $3,300 (-29%) from 2024
Trend Graphs
Filings
Most recent year
2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $178,003
- Liabilities
- $39,125
- Net assets
- $138,878
- Revenue
- $84,606
- Expenses
- $76,475
- Net income
- $8,131
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jul 1, 2024 to Jun 30, 2025
- Signed
- Nov 15, 2025
- Return Version
- 2024v5.0
- Gross Receipts
- $84,606
Mission and Program Overview
Mission
The association shall strive to provide professional fellowship by dedicating its activities to furthering the highest degree of ethical service to the insuring public. The association will support the strictest adherence to the integrity of its members as professional insurance agents. We will promote professional conduct and protect the legislative interest of our members through awareness and understanding of the issues facing the independent contractor insurance agents.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| THE NAAFA OFFICE PROVIDES ENCOURAGEMENT TO INSURANCE AGENTS AS THEY TRANSITION FROM SELLING INSURANCE EXCLUSIVELY FOR ONE COMPANY TO SELLING INSURANCE FOR MANY COMPANIES, OR, AS THEY TRANSITION FROM EMPLOYMENT TO RETIREMENT. NAAFA MAINTAINS AND CONTINUES TO DEVELOP A LIBRARY OF INFORMATION AND DOCUMENTS DESIGNED TO ASSIST INSURANCE AGENTS WITH THE CHALLENGES THEY FACE DURING THESE OFTEN DIFFICULT TRANSITION PERIODS. | - | - |
| NAAFA PROVIDES A PLACE OF MORAL SUPPORT AND COMRADERY FOR CAPTIVE AND INDEPENDENT INSURANCE AGENTS. NAAFA PROVIDES A WEBSITE WITH HELPFUL INFORMATION REGARDING THE INSURANCE INDUSTRY, FOCUSING ON THE INTERESTS OF THE CAPTIVE AND/OR INDEPENDENT AGENT. | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| HARRIET STAHL | Treasurer | - | $0 | - | - |
| BUDDY COX | President | - | $0 | - | - |
| PAT KOCIAN | Secretary | - | $0 | - | - |
| MARK HILL | Vice Preside | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Naafa Inc
- EIN
- 41-1690649
- Phone
- 7632080924
- Address
- PO BOX 578, CIRCLE PINES, MN 55014
Signing Officer
- Name
- Harriet Stahl
- Title
- Treasurer
- Phone
- 7632080924
- Signed
- 2025-11-15
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Haga Kommer Ltd
- Address
- 8338 HIGHWAY 65 NE SUITE A, SPRING LAKE PARK, MN 55432
- Preparer
- Mary Kate Kelley-scheidler Jd Ea
- Phone
- 2183464200
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 8
“Advertising 3,850 total 3,850”
Form 990-ez, Part I, Line 16
“Expenses office supplies 1,818 phone 1,196 misc 183 affinipay fees 552 bank charges 503 database & website 6,101 parking 10 meeting exp 270 insurance 3,157 total 13,790”
Form 990-ez, Part II, Line 26
“Unsecured notes and loans payable 39,125 39,125”
Form 990-ez, Part III
“The association shall strive to provide professional fellowship by dedicating its activities to furthering the highest degree of ethical service to the insuring public. The association will support the strictest adherence to the integrity of its members as professional insurance agents. We will promote professional conduct and protect the legislative interest of our members through awareness and understanding of the issues facing the independent contractor insurance agents.”
Form 990-ez, Part III, Line 28
“The naafa office provides encouragement to insurance agents as they transition from selling insurance exclusively for one company to selling insurance for many companies, or, as they transition from employment to retirement. Naafa maintains and continues to develop a library of information and documents designed to assist insurance agents with the challenges they face during these often difficult transition periods.”
Form 990-ez, Part III, Line 29
“Naafa provides a place of moral support and comradery for captive and independent insurance agents. Naafa provides a website with helpful information regarding the insurance industry, focusing on the interests of the captive and/or independent agent.”
Raw XML Appendix113 raw XML fields
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | HARRIET STAHL |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 7632080924 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | PO BOX 578 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine2Txt | 0 | PO BOX 578 |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | CIRCLE PINES |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MN |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 55014 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 169872 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 178003 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 73082 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 8131 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 43335 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 169872 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 178003 |
| IRS990EZ/GrossReceiptsAmt | 0 | 84606 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 7674 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 130747 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 138878 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 130747 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 138878 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 0.50 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | HARRIET STAHL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | BUDDY COX |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | PAT KOCIAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | MARK HILL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | VICE PRESIDE |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationFiled990TInd | 0 | true |
| IRS990EZ/OrganizationHadUBIInd | 0 | true |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 13790 |
| IRS990EZ/OtherRevenueTotalAmt | 0 | 3850 |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | THE ASSOCIATION SHALL STRIVE TO PROVIDE PROFESSIONAL FELLOWSHIP BY DEDICATING ITS ACTIVITIES TO FURTHERING THE HIGHEST DEGREE OF ETHICAL SERVICE TO THE INSURING PUBLIC. THE ASSOCIATION WILL SUPPORT THE STRICTEST ADHERENCE TO THE INTEGRITY OF ITS MEMBERS AS PROFESSIONAL INSURANCE AGENTS. WE WILL PROMOTE PROFESSIONAL CONDUCT AND PROTECT THE LEGISLATIVE INTEREST OF OUR MEMBERS THROUGH AWARENESS AND UNDERSTANDING OF THE ISSUES FACING THE INDEPENDENT CONTRACTOR INSURANCE AGENTS. |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 19350 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | THE NAAFA OFFICE PROVIDES ENCOURAGEMENT TO INSURANCE AGENTS AS THEY TRANSITION FROM SELLING INSURANCE EXCLUSIVELY FOR ONE COMPANY TO SELLING INSURANCE FOR MANY COMPANIES, OR, AS THEY TRANSITION FROM EMPLOYMENT TO RETIREMENT. NAAFA MAINTAINS AND CONTINUES TO DEVELOP A LIBRARY OF INFORMATION AND DOCUMENTS DESIGNED TO ASSIST INSURANCE AGENTS WITH THE CHALLENGES THEY FACE DURING THESE OFTEN DIFFICULT TRANSITION PERIODS. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 1 | NAAFA PROVIDES A PLACE OF MORAL SUPPORT AND COMRADERY FOR CAPTIVE AND INDEPENDENT INSURANCE AGENTS. NAAFA PROVIDES A WEBSITE WITH HELPFUL INFORMATION REGARDING THE INSURANCE INDUSTRY, FOCUSING ON THE INTERESTS OF THE CAPTIVE AND/OR INDEPENDENT AGENT. |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | MN |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 39125 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 39125 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 76475 |
| IRS990EZ/TotalRevenueAmt | 0 | 84606 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | WWW.NAAFA.COM |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | ADVERTISING 3,850 TOTAL 3,850 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | EXPENSES OFFICE SUPPLIES 1,818 PHONE 1,196 MISC 183 AFFINIPAY FEES 552 BANK CHARGES 503 DATABASE & WEBSITE 6,101 PARKING 10 MEETING EXP 270 INSURANCE 3,157 TOTAL 13,790 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | UNSECURED NOTES AND LOANS PAYABLE 39,125 39,125 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE ASSOCIATION SHALL STRIVE TO PROVIDE PROFESSIONAL FELLOWSHIP BY DEDICATING ITS ACTIVITIES TO FURTHERING THE HIGHEST DEGREE OF ETHICAL SERVICE TO THE INSURING PUBLIC. THE ASSOCIATION WILL SUPPORT THE STRICTEST ADHERENCE TO THE INTEGRITY OF ITS MEMBERS AS PROFESSIONAL INSURANCE AGENTS. WE WILL PROMOTE PROFESSIONAL CONDUCT AND PROTECT THE LEGISLATIVE INTEREST OF OUR MEMBERS THROUGH AWARENESS AND UNDERSTANDING OF THE ISSUES FACING THE INDEPENDENT CONTRACTOR INSURANCE AGENTS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE NAAFA OFFICE PROVIDES ENCOURAGEMENT TO INSURANCE AGENTS AS THEY TRANSITION FROM SELLING INSURANCE EXCLUSIVELY FOR ONE COMPANY TO SELLING INSURANCE FOR MANY COMPANIES, OR, AS THEY TRANSITION FROM EMPLOYMENT TO RETIREMENT. NAAFA MAINTAINS AND CONTINUES TO DEVELOP A LIBRARY OF INFORMATION AND DOCUMENTS DESIGNED TO ASSIST INSURANCE AGENTS WITH THE CHALLENGES THEY FACE DURING THESE OFTEN DIFFICULT TRANSITION PERIODS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | NAAFA PROVIDES A PLACE OF MORAL SUPPORT AND COMRADERY FOR CAPTIVE AND INDEPENDENT INSURANCE AGENTS. NAAFA PROVIDES A WEBSITE WITH HELPFUL INFORMATION REGARDING THE INSURANCE INDUSTRY, FOCUSING ON THE INTERESTS OF THE CAPTIVE AND/OR INDEPENDENT AGENT. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 8 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART II, LINE 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART III |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990-EZ, PART III, LINE 28 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990-EZ, PART III, LINE 29 |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | HARRIET STAHL |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | TREASURER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7632080924 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-11-15 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | NAAFA INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | NAAF |
| ReturnHeader/Filer/EIN | 0 | 411690649 |
| ReturnHeader/Filer/PhoneNum | 0 | 7632080924 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 578 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CIRCLE PINES |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MN |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 55014 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | false |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 204028013 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | HAGA KOMMER LTD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 8338 HIGHWAY 65 NE SUITE A |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | SPRING LAKE PARK |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MN |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 55432 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2183464200 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-11-14 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | MARY KATE KELLEY-SCHEIDLER JD EA |
| ReturnHeader/ReturnTs | 0 | 2025-11-14T15:34:29-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-07-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2025-06-30 |
| ReturnHeader/TaxYr | 0 | 2024 |
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