INTERNATIONAL ASSOCIATION OF CREDIT PORTFOLIO MANAGERS INC (EIN 134184184) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2001

Legal Domicile

Principal Officer

SOM-LOK LEUNG

Phone

6462895430

Tax Period

2022-07-01 to 2023-06-30

INTERNATIONAL ASSOCIATION OF CREDIT PORTFOLIO MANAGERS INC, founded in 2001, is a community nonprofit in the Community Improvement sector that reported $3.7M in total revenue in fiscal year 2022. Revenue surged 26% from the prior year, signaling strong growth momentum. Expenses of $3.5M left a modest 4% surplus.

Mission

ADVANCE CREDIT PORTFOLIO MANAGEMENT THROUGH AN ACTIVE FORUM TO EXCHANGE IDEAS (SEE PART III).

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,656,590

Investment Income $39,311

Other Revenue $0

TOTAL REVENUE $3,695,901

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,492,257

Fundraising Expenses $0

Program Expenses $276,936

Other Expenses $1,046,815

TOTAL EXPENSES $3,539,072

Year-over-Year Comparison

	2022	2021	Change
Revenue	$3,695,901	$2,933,993	+0.3%
Expenses	$3,539,072	$2,890,302	+0.2%
Net Income	$156,829	$43,691	+2.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$775,280

Total Directors

$862,611

Key Employees

$530,117

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SOM-LOK LEUNG	EXECUTIVE DIRECTOR	40.00	Officer Director	$705,000	$70,280	$775,280
DANIELLE L GELBAND	DIRECTOR	4.00	Director	$83,760	$3,571	$87,331
OLIVIER PARENTY	DIRECTOR	4.00	Director	$0	$0	$0
WENDY GORMAN	DIRECTOR	4.00	Director	$0	$0	$0
BRIAN HURDAL	DIRECTOR	4.00	Director	$0	$0	$0
SEAN KAVANAGH	CHAIRMAN EMERITUS	4.00	Director	$0	$0	$0
TIMOTHY HARTZELL	CHAIRMAN	4.00	Officer Director	$0	$0	$0
ANTHONY OFLYNN	DIRECTOR	4.00	Director	$0	$0	$0
ANNA OLSEN	DIRECTOR	4.00	Director	$0	$0	$0
JUAN MANUEL PRADO ENRICO	DIRECTOR	4.00	Director	$0	$0	$0
CHERYL BOUCHER	DIRECTOR	4.00	Director	$0	$0	$0
ERIC PRATT	DIRECTOR	4.00	Director	$0	$0	$0
MARTHA RABER	DIRECTOR	4.00	Director	$0	$0	$0
CHRISTOPHER CAMISA	DIRECTOR	4.00	Director	$0	$0	$0
SARAH CHERITON-JONES	SECRETARY	4.00	Officer Director	$0	$0	$0
WILLIAM LEDGER	TREASURER	4.00	Officer Director	$0	$0	$0
CAM DESBRISAY	VICE CHAIRMAN	4.00	Officer Director	$0	$0	$0
DANIEL GOLAN	DIRECTOR	4.00	Director	$0	$0	$0
FRANCOIS FAVRET	DIRECTOR	4.00	Director	$0	$0	$0
RICHARD MONTAGUE	DIRECTOR	4.00	Director	$0	$0	$0
MARCIA A BANKS	DEPUTY DIRECTOR	40.00	Key Emp	$504,740	$25,377	$530,117
JENNIFER BEARDEN	ASSOCIATE DIRECTOR	40.00	Highest	$221,250	$5,000	$226,250
ARGIE SIMON	SENIOR DIRECTOR	40.00	Highest	$200,500	$46,937	$247,437
MARIA J SAARY-LITTMAN	RESEARCH DIRECTOR	40.00	Highest	$190,000	$5,000	$195,000
DARA J FINE	ADMIN & MEETING DIRECTOR	40.00	Highest	$138,750	$16,850	$155,600

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$3,695,901	$3,539,072	$4,277,566	$156,829
2022	$2,933,993	$2,890,302	$3,716,263	$43,691
2021	$2,422,450	$2,470,595	$3,469,133	$-48,145
2020	$2,413,535	$2,706,467	$3,481,652	$-292,932
2019	$2,869,133	$2,743,556	$3,185,760	$125,577
2018	$2,798,993	$2,577,691	$3,037,517	$221,302

INTERNATIONAL ASSOCIATION OF CREDIT PORTFOLIO MANAGERS INC