ONLINE LENDERS ALLIANCE (EIN 202890680) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2005

Legal Domicile

Principal Officer

ANDREW M DUKE

Phone

7035670327

Tax Period

2024-01-01 to 2024-12-31

ONLINE LENDERS ALLIANCE, founded in 2005, is a community nonprofit in the Community Improvement sector that reported $5.7M in total revenue in fiscal year 2018. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

ONLINE LENDERS ALLIANCE (OLA) IS A PROFESSIONAL TRADE ASSOCIATION REPRESENTING THE GROWING INDUSTRY OF ONLINE LENDERS. OLA IS VESTED IN THE SUCCESS OF ITS MEMBER COMPANIES AND THEIR CUSTOMERS IN ALL MATTERS RELATED TO ONLINE FINANCIAL SERVICES. OUR MISSION IS TO PROMOTE A DIVERSE AND RESPONSIBLE MARKETPLACE FOR ACCESS TO INNOVATIVE ONLINE FINANCIAL SERVICES THROUGH INDUSTRY SOLUTIONS TO ENSURE THE SAFETY AND SECURITY OF ONLINE TRANSACTIONS; AND EDUCATION, COMMUNICATION, COLLABORATION AND ADVOCACY WITH POLICY MAKERS AND OPINION LEADERS. OLA MEMBER COMPANIES ABIDE BY COMPREHENSIVE BEST PRACTICES AND A CODE OF CONDUCT.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $7,708,887

Investment Income $147,568

Other Revenue $1,025

TOTAL REVENUE $7,857,480

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,634,709

Fundraising Expenses $0

Program Expenses $6,934,137

Other Expenses $5,299,428

TOTAL EXPENSES $6,934,137

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,857,480	$6,875,076	+0.1%
Expenses	$6,934,137	$5,724,997	+0.2%
Net Income	$923,343	$1,150,079	-0.2%

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

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

$545,383

Total Directors

Key Employees

$458,183

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW M DUKE	CHIEF EXECUT	40.00	Officer	$545,383	$0	$545,383
LIZ JAYANKURA-JONES	CHIEF REVENU	40.00	Key Emp	$235,383	$0	$235,383
MICHAEL F DAY	POLICY DIREC	40.00	Key Emp	$222,800	$0	$222,800
BILL BAKER	DIRECTOR	N/A	Director	$0	$0	$0
SAMANTHA BENTSON	DIRECTOR	N/A	Director	$0	$0	$0
JAMES CELLI	DIRECTOR	N/A	Director	$0	$0	$0
KIRK CHARTIER	DIRECTOR	N/A	Director	$0	$0	$0
ANNA FISHER	DIRECTOR	N/A	Director	$0	$0	$0
JASON HARVISON	DIRECTOR	N/A	Director	$0	$0	$0
TINA HODGES	DIRECTOR	N/A	Director	$0	$0	$0
STEVE HOTZ	DIRECTOR	N/A	Director	$0	$0	$0
KEN JUDD	DIRECTOR	N/A	Director	$0	$0	$0
CLIVE KINROSS	DIRECTOR	N/A	Director	$0	$0	$0
ERIC LAU	DIRECTOR	N/A	Director	$0	$0	$0
TAYLOR MCCABE	DIRECTOR	N/A	Director	$0	$0	$0
GLENN MCKAY	DIRECTOR	N/A	Director	$0	$0	$0
BART MILLER	TREASURER	4.00	Officer Director	$0	$0	$0
JAKE MOORE	DIRECTOR	N/A	Director	$0	$0	$0
JESSICA RUSTIN	DIRECTOR	N/A	Director	$0	$0	$0
SAM SPRATT	DIRECTOR	N/A	Director	$0	$0	$0
SHERRY TREPPA	DIRECTOR	N/A	Director	$0	$0	$0
ERIC WELCH	DIRECTOR	N/A	Director	$0	$0	$0
JAMES WHATLEY	DIRECTOR	N/A	Director	$0	$0	$0
WALT WOJCIECHOWSKI	DIRECTOR	N/A	Director	$0	$0	$0

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
2024	$7,857,480	$6,934,137	$7,038,527	$923,343
2023	$6,875,076	$5,724,997	$5,822,463	$1,150,079
2022	$6,273,424	$5,472,690	$4,568,130	$800,734
2021	$6,300,042	$4,875,259	$3,607,682	$1,424,783
2020	$4,464,096	$4,270,489	$2,091,131	$193,607
2019	$6,703,525	$6,394,163	$1,884,030	$309,362
2018	$5,740,804	$5,790,753	$1,460,819	$-49,949

ONLINE LENDERS ALLIANCE