Women's Field Association of Northwestern Mutual Inc

Nonprofit profile at a glance

EIN
851535214
IRS 990 coverage
2020–2025
Forms available
Form 990 2025
Location
Fort Defiance, VA, USA
Phone
5404761535
Rating
72
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Professional Societies, Associations

Reported finances

Revenue
$391,829
Expenses
$370,029
Assets
$345,904
Liabilities
$1,131

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

16 people listed

Executive titles in this filing

  • CHRISTINE MILLER (OFFICER - PRESIDENT/INTERIM EXECUTIVE DIRECTOR)
  • SABINA KHOJA (OFFICER - PRESIDENT ELECT)
  • KRISTIN HELM (OFFICER - VICE PRESIDENT)
  • STEPHANI SAMARAS (OFFICER - PAST PRESIDENT)
  • ALLISON ENGEL (PRIOR EXECUTIVE DIRECTOR)

Highest reported compensation

  • ALLISON ENGEL (PRIOR EXECUTIVE DIRECTOR): $244,150 total reported compensation
  • CHRISTINE MILLER (OFFICER - PRESIDENT/INTERIM EXECUTIVE DIRECTOR): $10,000 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To unify and grow the community, amplify the voice, and influence priorities to positively impact the experiences of all women at northwestern mutual. We do this through three value pillars:1. Community: we aim to build a lasting community and equip our members with the resources they need to achieve our shared goals.2. Champion: we will champion and elevate the needs of all women from a diversity of roles and backgrounds.3. Collaboration: we will proactively collaborate with the home office and the other field associations to inspire real change.

What it reported doing in 2025

Provide training and education to empower members to utilize tools and skills to perform services.

Operating model

Revenue model
Earned-program. 97% of the money available for current operations came from fees and other program revenue.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and some filed totals do not add up.

Rating breakdown

  • Financial Efficiency: 71
  • Transparency & Controls: 81
  • Accountability: 69
  • Sustainability: 40
  • Growth: 80

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 76.8%; rating input score 77
  • Program expense ratio: 84.5%; rating input score 84
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 90%; rating input score 90; 10th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 2 of 8 controls in place; rating input score 25
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: Fail
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 5.6%; rating input score 48; 48th percentile among comparable filings
  • Total-asset coverage ratio: 0.93; rating input score 39; 39th percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 46; 46th percentile among comparable filings
  • Officer compensation ratio: 68.7%; rating input score 1; 1st percentile among comparable filings

Growth

  • Program expense growth: 20.2% per year; rating input score 100; 83rd percentile among comparable filings
  • Revenue growth: 0.6% per year; rating input score 100; 23rd percentile among comparable filings
  • Asset growth: -0.6% per year; rating input score 0; 20th percentile among comparable filings

Details

  • Where the money goes: 76.8% of revenue deployed · 84.5% of spending went to programs
  • Governance: 16 of 16 board members independent · 2 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $313K in reported program spending
  • Leadership: top reported pay $244K · 16 people listed
  • Consistency: 21 of 22 current checks pass · 1 finding to review
  • Schedules: 3 filed schedules
  • Filing history: 6 filing years from 2020 to 2025
  • Contacts: How to reach this organization
  • Money network: 2 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Accountability: Governance controls: 5 of 7 not reported.
  • Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.
  • Moderate — Sustainability: Operating margin scored 48/100.
  • High — Growth: Asset growth scored 0/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 39/100.
  • High — Sustainability: Officer compensation ratio scored 1/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 46/100.