North American Wholesale Lumber Association Inc
North American Wholesale Lumber Association consistently maintains financial stability with zero reported officer compensation.
EIN: 131084090 · Chicago, IL · NTEE: S41Z · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $4.6M |
| Total Expenses | $3.6M |
| Program Spending | 80% |
| Net Assets | $4.5M |
| Transparency Score | 85/100 |
Is North American Wholesale Lumber Association Inc Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
North American Wholesale Lumber Association Inc directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About North American Wholesale Lumber Association Inc
North American Wholesale Lumber Association Inc (EIN: 131084090) is a nonprofit organization based in Chicago, IL, classified under NTEE code S41Z. The organization reported total revenue of $4.6M and total assets of $5.4M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of North American Wholesale Lumber Association Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
North American Wholesale Lumber Association Inc is a mid-size nonprofit that has been operating for 52 years, with 13 years of IRS 990 filings on record (2012–2023). Revenue has grown at a compound annual rate of 8.7%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $3.8M |
| Total Expenses | $3.6M |
| Surplus / Deficit | +$239K |
| Total Assets | $5.0M |
| Total Liabilities | $471K |
| Net Assets | $4.5M |
| Operating Margin | 6.2% |
| Debt-to-Asset Ratio | 9.5% |
| Months of Reserves | 16.6 months |
Financial Health Grade: A
In 2023, North American Wholesale Lumber Association Inc reported a surplus of $239K with revenue exceeding expenses, holds 16.6 months of operating reserves (strong position), has a debt-to-asset ratio of 9.5% (very low leverage).
Financial Trends
Over 13 years of filings (2012–2023), North American Wholesale Lumber Association Inc's revenue has grown at a compound annual growth rate (CAGR) of 8.7%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +6.8% | +24.9% | +7.1% |
| 2022 | +49.1% | +21.6% | -4.4% |
| 2021 | +24.3% | +3.1% | -2.1% |
| 2020 | -33.4% | -19.8% | -1.7% |
| 2019 | +10.9% | +16.5% | +15.2% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 2000 |
| IRS Ruling Date | 1974 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates North American Wholesale Lumber Association Inc with a Mission Score of 85 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 15%
- programs: 80%
- fundraising: 5%
According to IRS 990 filings, North American Wholesale Lumber Association Inc allocates its expenses as follows: admin: 15%, programs: 80%, fundraising: 5%. With 80% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $239K, with revenue exceeding expenses.
- Debt-to-asset ratio: 9.5%.
Executive Compensation Analysis
Executive compensation is reported as 0% across all available filings, which is highly unusual and suggests either a fully volunteer-led executive team or compensation structured in a way not captured under 'officer compensation' on the 990 form. This practice, if truly zero, significantly reduces overhead related to leadership salaries.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of North American Wholesale Lumber Association Inc's IRS 990 filings:
- Lack of detailed breakdown for program, administrative, and fundraising expenses prevents precise efficiency calculation.
- Unusually consistent 0% officer compensation might warrant further inquiry into how key employees are compensated if not through traditional officer salaries.
Strengths
The following positive indicators were identified for North American Wholesale Lumber Association Inc:
- Consistent financial stability with revenues generally exceeding expenses.
- Significant growth in assets over the past decade, from $3.17M in 2014 to $4.98M in 2023.
- Remarkable 0% reported officer compensation across all filings, indicating very low executive overhead.
- Strong asset-to-liability ratio, demonstrating robust financial health and reserves.
- Consistent filing of IRS Form 990s, indicating good transparency practices.
Frequently Asked Questions about North American Wholesale Lumber Association Inc
Is North American Wholesale Lumber Association Inc a legitimate charity?
Based on AI analysis of IRS 990 filings, North American Wholesale Lumber Association Inc (EIN: 131084090) some concerns. Mission Score: 85/100. 2 red flags identified, 5 strengths noted.
How does North American Wholesale Lumber Association Inc spend its money?
North American Wholesale Lumber Association Inc directs 80% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to North American Wholesale Lumber Association Inc tax-deductible?
North American Wholesale Lumber Association Inc is registered as a tax-exempt nonprofit (EIN: 131084090). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of North American Wholesale Lumber Association Inc's spending goes to programs?
North American Wholesale Lumber Association Inc directs 80% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does North American Wholesale Lumber Association Inc compare to similar nonprofits?
With a transparency score of 85/100 (Excellent), North American Wholesale Lumber Association Inc is above average for NTEE category S41Z nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is North American Wholesale Lumber Association Inc located?
North American Wholesale Lumber Association Inc is headquartered in Chicago, Illinois and files with the IRS under EIN 131084090. It is classified under NTEE code S41Z.
How many years of IRS 990 filings does North American Wholesale Lumber Association Inc have?
North American Wholesale Lumber Association Inc has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $4.6M in total revenue.
Is North American Wholesale Lumber Association Inc. a good charity?
Based on its financial stability, consistent revenue generation, asset growth, and notably 0% reported officer compensation, NAWLA appears to be a well-managed organization. Its consistent financial health and low overhead (in terms of officer compensation) suggest effective use of resources, making it a financially sound entity.
How has NAWLA's financial health changed over the past decade?
NAWLA has shown consistent financial growth and stability over the past decade. Its assets have increased from $3,171,277 in 2014 to $4,979,241 in 2023, and revenues have generally outpaced expenses, indicating a healthy financial trajectory.
What is the significance of 0% officer compensation?
The consistent reporting of 0% officer compensation is highly significant. It implies that the organization's top leadership is either entirely volunteer-based or compensated through mechanisms not classified as 'officer compensation' on the 990. This practice, if accurate, contributes to very low administrative overhead related to executive salaries.
Does NAWLA have sufficient reserves?
With assets of $4,979,241 and liabilities of $471,443 in 2023, NAWLA maintains a strong asset-to-liability ratio, indicating healthy reserves and financial capacity to cover its obligations and support future operations.
Filing History
IRS 990 filing history for North American Wholesale Lumber Association Inc showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2012–2023), North American Wholesale Lumber Association Inc's revenue has grown by 149.7%, moving from $1.5M to $3.8M. Total assets increased by 62.6% over the same period, from $3.1M to $5.0M. Total functional expenses rose by 127.4%, from $1.6M to $3.6M. In its most recent filing year (2023), North American Wholesale Lumber Association Inc reported a surplus of $239K, with revenue exceeding expenses. The organization holds $471K in liabilities against $5.0M in assets (debt-to-asset ratio: 9.5%), resulting in net assets of $4.5M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $3.8M | $3.6M | $5.0M | $471K | — | — |
| 2022 | $3.6M | $2.9M | $4.6M | $795K | — | View 990 |
| 2021 | $2.4M | $2.4M | $4.9M | $707K | — | View 990 |
| 2020 | $1.9M | $2.3M | $5.0M | $961K | — | View 990 |
| 2019 | $2.9M | $2.9M | $5.1M | $838K | — | View 990 |
| 2018 | $2.6M | $2.5M | $4.4M | $668K | — | View 990 |
| 2017 | $2.5M | $2.3M | $4.3M | $402K | — | View 990 |
| 2016 | $2.6M | $2.2M | $4.2M | $844K | — | View 990 |
| 2015 | $2.5M | $2.0M | $3.9M | $1.0M | — | View 990 |
| 2014 | $2.0M | $2.1M | $3.2M | $697K | — | View 990 |
| 2013 | $1.6M | $1.4M | $2.8M | $186K | — | View 990 |
| 2013 | $1.6M | $1.8M | $2.7M | $276K | — | View 990 |
| 2012 | $1.5M | $1.6M | $3.1M | $515K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $3.8M, expenses of $3.6M, and assets of $5.0M (revenue +6.8% year-over-year).
- 2022: Revenue of $3.6M, expenses of $2.9M, and assets of $4.6M (revenue +49.1% year-over-year).
- 2021: Revenue of $2.4M, expenses of $2.4M, and assets of $4.9M (revenue +24.3% year-over-year).
- 2020: Revenue of $1.9M, expenses of $2.3M, and assets of $5.0M (revenue -33.4% year-over-year).
- 2019: Revenue of $2.9M, expenses of $2.9M, and assets of $5.1M (revenue +10.9% year-over-year).
- 2018: Revenue of $2.6M, expenses of $2.5M, and assets of $4.4M (revenue +4.2% year-over-year).
- 2017: Revenue of $2.5M, expenses of $2.3M, and assets of $4.3M (revenue -3.4% year-over-year).
- 2016: Revenue of $2.6M, expenses of $2.2M, and assets of $4.2M (revenue +5.8% year-over-year).
- 2015: Revenue of $2.5M, expenses of $2.0M, and assets of $3.9M (revenue +23.7% year-over-year).
- 2014: Revenue of $2.0M, expenses of $2.1M, and assets of $3.2M (revenue +28.4% year-over-year).
- 2013: Revenue of $1.6M, expenses of $1.4M, and assets of $2.8M (revenue -4.7% year-over-year).
- 2013: Revenue of $1.6M, expenses of $1.8M, and assets of $2.7M (revenue +6.1% year-over-year).
- 2012: Revenue of $1.5M, expenses of $1.6M, and assets of $3.1M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for North American Wholesale Lumber Association Inc:
Data Sources and Methodology
This transparency report for North American Wholesale Lumber Association Inc is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.