I'm reporting a useful article here that goes into some of the baseline weaknesses of the NRA's finances.
https://theconversation.com/the-nras-financial-weakness-explained-108582
Essentially the problem comes down to spending more than you take in on a large scale, over years. It's true that taken together (meaning no one of these "small items" alone would add up to much, together they do) the clothing for WLP, expensive dinners and banquets for lawmakers, etc. are an issue the problem is larger than that and institutional.
Compare the NRA to some other large non-profits in the U.S., the ACLU and the AARP...
"The ACLU – although its budget is only a third of the NRA’s – had unrestricted net assets worth $140.2 million when 2017 came to a close, according to its tax form. And the AARP – whose annual budget is nearly five times that of the NRA – finished with a balance over $1.3 billion.
The NRA’s circumstances stand out by comparison not just with its peers but with all nonprofits. IRS data, including for fledgling startups, indicate fewer than 7 percent of American nonprofits ended 2017 with a negative balance."
Over a number of years the NRA has been spending more than it takes in. Only recently, the last year or so, has it begun making cost cutting measures.
One area the article sights is in how much the NRA spends for contractors. It relies on telemarketers a lot.
"The NRA has become so fixated on bringing in new members that its Infocision contracts permit the company to keep 100 percent of credit card payments collected from new and lapsed members. As a result, increasing its membership may no longer boost the NRA’s bottom line, at least not right away since some of their new members’ initial dues will not make it to their coffers." That 100 percent is in addition to regular contractual payments for services rendered.
The NRA spends a great deal on mailings to it's members asking for donations, offering insurance, contests, etc. It also offers "free" gifts. I literally receive once a month, some mass mailing from the NRA and one or more of it's affiliates. This adds up.
Borrowing cash from it's affiliated organizations. The NRA began borrowing cash from it's non profit affiliates to cover it's spending.
"Charity spending rules preclude the affiliated charities from just giving money to the NRA to shore up its funds. But, if the NRA runs out of options for cash, it can borrow from its affiliated foundation. This is precisely what the gun group did in 2017, suggesting that outside cash options were running thin and future options for getting cash may be even thinner."
If you read the article you can see the crisis growing over a number of years.
This is a crisis of vision, leadership and political strategy it's not a crisis of money. The rest flows from that.