NATIONAL ASSOCIATION OF CREDIT MANAGEMENT OF SOUTH TEXAS

EIN: 200962097

Spring, TX

Total Revenue
$147,855
Total Expenses
$216,189
Total Assets
N/A
Net Assets
N/A
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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

Tax Period
2017-07-01 to 2018-06-30

NATIONAL ASSOCIATION OF CREDIT MANAGEMENT OF SOUTH TEXAS is a small nonprofit that reported $148K in total revenue in fiscal year 2017. Revenue fell 79% from the prior year — a significant decline worth monitoring. Expenses of $216K exceeded revenue, resulting in a 46% operating deficit.

Mission

To promote and combine the ideas, intelligence and influence of its members for protection against imposition, injustice and fraud to honest debtors and creditors. To establish, maintain and conduct all other credit services, such as industry credit groups, agencies or departments which may be deemed lawful; with the idea of bringing about mutual improvement and certainty in business customs and usages of trade and to establish closer ties of business association among its members.

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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%)

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Financial Overview (2017)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $147,855
Investment Income $0
Other Revenue $0
TOTAL REVENUE $147,855

Expense Breakdown

Grants Paid $0
Salaries & Benefits $76,752
Fundraising Expenses $0
Program Expenses $4,922
Other Expenses $139,437
TOTAL EXPENSES $216,189

Year-over-Year Comparison

2017 2016 Change
Revenue $147,855 $688,018 -0.8%
Expenses $216,189 $809,637 -0.7%
Net Income $-68,334 $-121,619 -0.4%
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

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Governance

Voting Members
16
Independent Members
16
Employees
23
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
2
$54,889
Total Directors
16
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Don Giallanza Director 0.00
Director
$0 $0 $0
Chris Myers Nat'l Director 0.00
Director
$0 $0 $0
Anne Scarcella Chairman 0.00
Director
$0 $0 $0
Gary White CCE Chair Emeritus 0.00
Director
$0 $0 $0
Don Burell CCE Director 0.00
Director
$0 $0 $0
Andrew Perry Treasurer 0.00
Director
$0 $0 $0
James Clem CCE Director 0.00
Director
$0 $0 $0
Sean Rooney Esq Director 0.00
Director
$0 $0 $0
Steve McQueen Director 0.00
Director
$0 $0 $0
John Stryker CBF 2nd Vice-Chair 0.00
Director
$0 $0 $0
Matt Richard CCE Director 0.00
Director
$0 $0 $0
Joann Gonzales CBA CCRA Director 0.00
Director
$0 $0 $0
Robert Verhage CBA 1st Vice-Chair 0.00
Director
$0 $0 $0
Molly Atlas Director 0.00
Director
$0 $0 $0
Carl Dore Jr Esq Corp Counsel 0.00
Director
$0 $0 $0
Jackie Hoelting CCE Chair Emeritus 0.00
Director
$0 $0 $0
Bernard Forde CFO 13.00
Officer
$20,910 $0 $20,910
Kathleen E Quill President 13.00
Officer
$33,979 $0 $33,979
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
2018 $147,855 $216,189 No data $-68,334
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