Liabilities / Assets
57th percentile
Higher debt load relative to assets than 57% of similar nonprofits.
EIN 65-0002221 • 501(c)6 • Victor, NY
Profile
NPA works to provide pawnbrokers nationwide with resources and tools to strengthen the pawn industry. NPA members are committed to operating their business in such a manner as to enhance and promote the positive and professional image of all pawnbrokers. (continued...) Members believe in establishing positive and long-lasting relationships with local, state and federal government officials.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
57th percentile
Higher debt load relative to assets than 57% of similar nonprofits.
Liabilities / Revenue
71st percentile
Higher debt load relative to revenue than 71% of similar nonprofits.
Net Margin
9th percentile
Higher net margin than 9% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
47th percentile
Faster asset growth than 47% of similar nonprofits.
Revenue Growth
69th percentile
Faster revenue growth than 69% of similar nonprofits.
Assets
Up$3,771,643
Up $170,428 (+4.7%) from 2023
Liabilities
Down$729,167
Down $54,248 (-6.9%) from 2023
Net Assets
Up$3,042,476
Up $224,676 (+8.0%) from 2023
Revenue
Up$2,127,630
Up $261,978 (+14%) from 2023
Expenses
Up$2,463,729
Up $367,401 (+18%) from 2023
Net Income
Down-$336,099
Down $105,423 (-46%) from 2023
Most recent year
2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
To accurately represent independent pawnbrokers and their interests through education, mentoring and legislation.
To represent and support independent pawnbrokers and their interests through education, training, networking and advocacy.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments in Publicly Traded Securities | $3,161,407 | $3,203,111 | ▲ $41,704 |
| Cash and Non-Interest-Bearing Accounts | $292,411 | $329,780 | ▲ $37,369 |
| Prepaid Expenses and Deferred Charges | $82,258 | $181,575 | ▲ $99,317 |
| Savings and Temporary Cash Investments | $65,139 | $38,368 | ▼ $26,771 |
| Accounts Receivable | - | $18,809 | - |
| Total Assets | $3,601,215 | $3,771,643 | ▲ $170,428 |
| Liabilities | |||
| Deferred Revenue | $747,965 | $648,423 | ▼ $99,542 |
| Accounts Payable and Accrued Expenses | $35,450 | $80,744 | ▲ $45,294 |
| Total Liabilities | $783,415 | $729,167 | ▼ $54,248 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $2,817,120 | $3,040,941 | ▲ $223,821 |
| Net Assets With Donor Restrictions | $680 | $1,535 | ▲ $855 |
| Total Net Assets Fund Balance | $2,817,800 | $3,042,476 | ▲ $224,676 |
| Total Liabilities and Net Assets / Fund Balance | $3,601,215 | $3,771,643 | ▲ $170,428 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Kristen Williams | Executive Di | FT | $208,471 | $208,471 |
| Kristen Williams | Executive Director | - | $208,471 | $208,471 |
| Name | Title |
|---|---|
| William Dawson | President |
| Anthony Vanegas | Director |
| Beth Anundi | Director |
| Chris Mccarthy | Director |
| Jay Dunbar | Director |
| Jeff Wilhelm | Director |
| Jeremy Powell | Director |
| Lisa Little | Director |
| Michael Cohen | Director |
| Perry Lewin | Director |
| Randi Butterfield | Director |
| Robert Barnett | Director |
| Scott Tiemann | Director |
| Tim Collier | Director |
| Boyd Naylor | Past Preside |
| John Whiteside | Past Preside |
| Chad Carter | Secretary |
| Michael Goldstein | Treasurer |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Cliff Andrews | Lobbyist | 1155 F ST NW SUITE 1050, Washington, DC 20004 | $270,000 |
| Sarah Jane Hughes | Regulatory Coun | 1305 S BROOKS DR, Bloomington, IN 47401-6117 | $180,000 |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,900,527 |
| Salaries, Compensation, and Employee Benefits | $563,202 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Conferences and Meetings | - | - | - | $522,502 |
| Fees for Services Other | - | - | - | $413,073 |
| Other Salaries and Wages | - | - | - | $288,906 |
| Fees for Services Lobbying | - | - | - | $270,000 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $208,471 |
| Fees for Services Legal | - | - | - | $186,391 |
| Office Expenses | - | - | - | $185,145 |
| Travel | - | - | - | $73,447 |
| Fees for Services Accounting | - | - | - | $64,933 |
| Information Technology | - | - | - | $46,339 |
| Payroll Taxes | - | - | - | $37,746 |
| Other Employee Benefits | - | - | - | $28,079 |
| Advertising | - | - | - | $24,872 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $21,833 |
| All Other Expenses | - | - | - | $17,467 |
| Other Expenses | - | - | - | $9,036 |
| Insurance | - | - | - | $7,807 |
| Occupancy | - | - | - | $4,713 |
| Interest | - | - | - | $329 |
| Total Functional Expenses | $0 | $0 | $0 | $2,463,729 |
| Line Item | Amount |
|---|---|
| Total Expenses per Form 990 | $2,463,729 |
| Expenses per Audited Statements | $2,371,631 |
| Total Expenses per Audited Statements | $2,371,631 |
| Expenses Not Reported on Financial Statements | $92,098 |
| Other Expense Adjustments | $92,098 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Amount |
|---|---|
| Current Year Nondeductible Lobbying and Political Cost | $450,000 |
| Total Nondeductible Lobbying and Political Cost | $450,000 |
“The organization has three classes of members that can vote on the board of directors, us pawnbroker, international pawnbroker, and apprentice.”
“Eligible voting members shall be entitled to ratify a slate of candidates provided by the board of directors for the election of directors.”
“The form 990 is prepared by an outside cpa firm. It is reviewed by the executive director and then provided to the board prior to filing with the irs.”
“Each director shall complete and sign a conflict of interest statement prior to the commencement of the annual meeting of the board of directors of the association disclosing any financial or personal interest that the director, any business owned by the director, or any member of the directors immediate family may have with matters pending before or otherwise affecting the association, or stating that no conflicts are known to the director, and that the association maintain the signed statements for a period of not less than five years following the meeting for which they were signed. The conflict of interest statement will be used to notify the board of directors of any potential or actual conflicts of interest that any director may have and statements may be used to limit the participation by the affected director or directors in decision-making processes that affect you, your immediate family members or your commercial interests. Updated conflict of interest statements shall be filed by directors on an annual or more frequent basis and if a director becomes aware of a conflict that has not been disclosed earler, the director should contact the executive committee & chair of the membership committee of the association immediately.”
“The compensation for the executive director is voted on by the independent members of the board and is established in writing.”
“No other officers are compensated.”
“The organization provides the governing documents, financial statements, and conflict of interest policy upon request.”
“National pawnbrokers association is a trade association that supports independent pawnbrokers. The organization offers education and networking for its members and advocates for the industry at the national level. The organization seeks to provide its members with the resources and support for enhancing the image and acceptance of pawnbrokers through action, representation, and best practices. The organization publishes a "national pawnbroker" magazine that is provided to approximately 1,400 members and 200 industry partners to educate pawnbrokers and promote the industry. The organization also provides educational conferences and training seminars to inform members of methods to improve their pawnbrokers businesses. The organization publishes a newsletter to its members to inform them of upcoming conferences and training seminars.”
“Administrative 37,194 0 0 graphic design 54,732 0 0 consulting 7,344 0 0 events 248,980 0 0 payroll services 10,092 0 0 publication income graphic design 54,731 0 0 total 413,073 0 0”
“Correction of py accrual to cash 48,272”
“Fasb asc 740-10, accounting for uncertainty in income taxes, clarifies the accounting for income taxes, by prescribing a minimum recognition threshold a tax position is required to meet before being recognized in the financial statements. It also provides guidance on derecognition, measurement and classification of amounts relating to uncertain tax positions, accounting for and disclosure of interest and penalties, accounting in interim periods, disclosures and transition relating to the adoption of the accounting standard. The association's accounting policy related to income tax penalties and interest assessments is to accrue for these costs and record a charge to selling, general and administrative expense for tax penalties and a charge to interest expense for interest assessments during the period that it takes an uncertain tax position through resolution with the taxing authorities or the expiration of the applicable statute of limitations. The association did not record any significant amounts related to penalties and interest during the years ended december 31, 2024 and 2023.”
“Net accrual to cash 82,967”
“Net accrual to cash conversion 92,098”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
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| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 648423 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/Desc | 0 | NATIONAL PAWNBROKERS ASSOCIATION IS A TRADE ASSOCIATION THAT SUPPORTS INDEPENDENT PAWNBROKERS. THE ORGANIZATION OFFERS EDUCATION AND NETWORKING FOR ITS MEMBERS AND ADVOCATES FOR THE INDUSTRY AT THE NATIONAL LEVEL. THE ORGANIZATION SEEKS TO PROVIDE ITS MEMBERS WITH THE RESOURCES AND SUPPORT FOR ENHANCING THE IMAGE AND ACCEPTANCE OF PAWNBROKERS THROUGH ACTION, REPRESENTATION, AND BEST PRACTICES. THE ORGANIZATION PUBLISHES A "NATIONAL PAWNBROKER" MAGAZINE THAT IS PROVIDED TO APPROXIMATELY 1,400 MEMBERS AND 200 INDUSTRY PARTNERS TO EDUCATE PAWNBROKERS AND PROMOTE THE INDUSTRY. THE ORGANIZATION ALSO PROVIDES EDUCATIONAL CONFERENCES AND TRAINING SEMINARS TO INFORM MEMBERS OF METHODS TO IMPROVE THEIR PAWNBROKERS BUSINESSES. THE ORGANIZATION PUBLISHES A NEWSLETTER TO ITS MEMBERS TO INFORM THEM OF UPCOMING CONFERENCES AND TRAINING SEMINARS. |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | DIRECTOR |
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| IRS990/MissionDesc | 0 | TO ACCURATELY REPRESENT INDEPENDENT PAWNBROKERS AND THEIR INTERESTS THROUGH EDUCATION, MENTORING AND LEGISLATION. |
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| IRS990/OtherExpensesGrp/Desc | 0 | READERSHIP COSTS |
| IRS990/OtherExpensesGrp/Desc | 1 | REGISTRATION EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 2 | QB PAYMENT FEES |
| IRS990/OtherExpensesGrp/Desc | 3 | UTILITIES |
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| IRS990/OtherExpensesGrp/TotalAmt | 1 | 14849 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 11391 |
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| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 37746 |
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| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 26400 |
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| IRS990/PYTotalRevenueAmt | 0 | 1865652 |
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| IRS990/ReportLandBuildingEquipmentInd | 0 | false |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | false |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
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| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 38368 |
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| IRS990ScheduleC/OnlyInHouseLobbyingInd | 0 | false |
| IRS990ScheduleC/SubstantiallyAllDuesNondedInd | 0 | false |
| IRS990ScheduleC/TaxableAmt | 0 | -11255 |
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| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 2371631 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
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| IRS990ScheduleD/OtherExpensesNotIncludedAmt | 0 | 92098 |
| IRS990ScheduleD/OtherRevenuesNotIncludedAmt | 0 | 82967 |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 512503 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 82967 |
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| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | FASB ASC 740-10, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES, CLARIFIES THE ACCOUNTING FOR INCOME TAXES, BY PRESCRIBING A MINIMUM RECOGNITION THRESHOLD A TAX POSITION IS REQUIRED TO MEET BEFORE BEING RECOGNIZED IN THE FINANCIAL STATEMENTS. IT ALSO PROVIDES GUIDANCE ON DERECOGNITION, MEASUREMENT AND CLASSIFICATION OF AMOUNTS RELATING TO UNCERTAIN TAX POSITIONS, ACCOUNTING FOR AND DISCLOSURE OF INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURES AND TRANSITION RELATING TO THE ADOPTION OF THE ACCOUNTING STANDARD. THE ASSOCIATION'S ACCOUNTING POLICY RELATED TO INCOME TAX PENALTIES AND INTEREST ASSESSMENTS IS TO ACCRUE FOR THESE COSTS AND RECORD A CHARGE TO SELLING, GENERAL AND ADMINISTRATIVE EXPENSE FOR TAX PENALTIES AND A CHARGE TO INTEREST EXPENSE FOR INTEREST ASSESSMENTS DURING THE PERIOD THAT IT TAKES AN UNCERTAIN TAX POSITION THROUGH RESOLUTION WITH THE TAXING AUTHORITIES OR THE EXPIRATION OF THE APPLICABLE STATUTE OF LIMITATIONS. THE ASSOCIATION DID NOT RECORD ANY SIGNIFICANT AMOUNTS RELATED TO PENALTIES AND INTEREST DURING THE YEARS ENDED DECEMBER 31, 2024 AND 2023. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | NET ACCRUAL TO CASH 82,967 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 2 | NET ACCRUAL TO CASH CONVERSION 92,098 |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE D, PAGE 3, PART X |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | SCHEDULE D, PAGE 4, PART XI, LINE 4B |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | SCHEDULE D, PAGE 4, PART XII, LINE 4B |
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| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 2127630 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 2557166 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 2371631 |
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| IRS990/ScheduleJRequiredInd | 0 | true |
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| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | NATIONAL PAWNBROKERS ASSOCIATION IS A TRADE ASSOCIATION THAT SUPPORTS INDEPENDENT PAWNBROKERS. THE ORGANIZATION OFFERS EDUCATION AND NETWORKING FOR ITS MEMBERS AND ADVOCATES FOR THE INDUSTRY AT THE NATIONAL LEVEL. THE ORGANIZATION SEEKS TO PROVIDE ITS MEMBERS WITH THE RESOURCES AND SUPPORT FOR ENHANCING THE IMAGE AND ACCEPTANCE OF PAWNBROKERS THROUGH ACTION, REPRESENTATION, AND BEST PRACTICES. THE ORGANIZATION PUBLISHES A "NATIONAL PAWNBROKER" MAGAZINE THAT IS PROVIDED TO APPROXIMATELY 1,400 MEMBERS AND 200 INDUSTRY PARTNERS TO EDUCATE PAWNBROKERS AND PROMOTE THE INDUSTRY. THE ORGANIZATION ALSO PROVIDES EDUCATIONAL CONFERENCES AND TRAINING SEMINARS TO INFORM MEMBERS OF METHODS TO IMPROVE THEIR PAWNBROKERS BUSINESSES. THE ORGANIZATION PUBLISHES A NEWSLETTER TO ITS MEMBERS TO INFORM THEM OF UPCOMING CONFERENCES AND TRAINING SEMINARS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE ORGANIZATION HAS THREE CLASSES OF MEMBERS THAT CAN VOTE ON THE BOARD OF DIRECTORS, US PAWNBROKER, INTERNATIONAL PAWNBROKER, AND APPRENTICE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | ELIGIBLE VOTING MEMBERS SHALL BE ENTITLED TO RATIFY A SLATE OF CANDIDATES PROVIDED BY THE BOARD OF DIRECTORS FOR THE ELECTION OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE FORM 990 IS PREPARED BY AN OUTSIDE CPA FIRM. IT IS REVIEWED BY THE EXECUTIVE DIRECTOR AND THEN PROVIDED TO THE BOARD PRIOR TO FILING WITH THE IRS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | EACH DIRECTOR SHALL COMPLETE AND SIGN A CONFLICT OF INTEREST STATEMENT PRIOR TO THE COMMENCEMENT OF THE ANNUAL MEETING OF THE BOARD OF DIRECTORS OF THE ASSOCIATION DISCLOSING ANY FINANCIAL OR PERSONAL INTEREST THAT THE DIRECTOR, ANY BUSINESS OWNED BY THE DIRECTOR, OR ANY MEMBER OF THE DIRECTORS IMMEDIATE FAMILY MAY HAVE WITH MATTERS PENDING BEFORE OR OTHERWISE AFFECTING THE ASSOCIATION, OR STATING THAT NO CONFLICTS ARE KNOWN TO THE DIRECTOR, AND THAT THE ASSOCIATION MAINTAIN THE SIGNED STATEMENTS FOR A PERIOD OF NOT LESS THAN FIVE YEARS FOLLOWING THE MEETING FOR WHICH THEY WERE SIGNED. THE CONFLICT OF INTEREST STATEMENT WILL BE USED TO NOTIFY THE BOARD OF DIRECTORS OF ANY POTENTIAL OR ACTUAL CONFLICTS OF INTEREST THAT ANY DIRECTOR MAY HAVE AND STATEMENTS MAY BE USED TO LIMIT THE PARTICIPATION BY THE AFFECTED DIRECTOR OR DIRECTORS IN DECISION-MAKING PROCESSES THAT AFFECT YOU, YOUR IMMEDIATE FAMILY MEMBERS OR YOUR COMMERCIAL INTERESTS. UPDATED CONFLICT OF INTEREST STATEMENTS SHALL BE FILED BY DIRECTORS ON AN ANNUAL OR MORE FREQUENT BASIS AND IF A DIRECTOR BECOMES AWARE OF A CONFLICT THAT HAS NOT BEEN DISCLOSED EARLER, THE DIRECTOR SHOULD CONTACT THE EXECUTIVE COMMITTEE & CHAIR OF THE MEMBERSHIP COMMITTEE OF THE ASSOCIATION IMMEDIATELY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE COMPENSATION FOR THE EXECUTIVE DIRECTOR IS VOTED ON BY THE INDEPENDENT MEMBERS OF THE BOARD AND IS ESTABLISHED IN WRITING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | NO OTHER OFFICERS ARE COMPENSATED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE ORGANIZATION PROVIDES THE GOVERNING DOCUMENTS, FINANCIAL STATEMENTS, AND CONFLICT OF INTEREST POLICY UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | ADMINISTRATIVE 37,194 0 0 GRAPHIC DESIGN 54,732 0 0 CONSULTING 7,344 0 0 EVENTS 248,980 0 0 PAYROLL SERVICES 10,092 0 0 PUBLICATION INCOME GRAPHIC DESIGN 54,731 0 0 TOTAL 413,073 0 0 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | CORRECTION OF PY ACCRUAL TO CASH 48,272 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 2, PART III, LINE 4A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART IX, LINE 11G |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PART XI, LINE 9 |
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