NATIONAL ASSOCIATION OF SETTLEMENT PURCHASERS (EIN 232860735) - 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

1996

Legal Domicile

Principal Officer

J BRIAN DEAR

Phone

9723712411

Tax Period

2023-01-01 to 2023-12-31

NATIONAL ASSOCIATION OF SETTLEMENT PURCHASERS, founded in 1996, is a small nonprofit that reported $520K in total revenue in fiscal year 2023. Revenue decreased 19% compared to the prior year. Expenses of $485K left a modest 7% surplus.

Mission

EDUCATE SOCIETY ON LEGISLATION AND ISSUES IMPACTING THE STRUCTURED SETTLEMENT PURCHASING INDUSTRY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $520,084

Investment Income $0

Other Revenue $0

TOTAL REVENUE $520,084

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $485,416

TOTAL EXPENSES $485,416

Year-over-Year Comparison

	2023	2022	Change
Revenue	$520,084	$639,280	-0.2%
Expenses	$485,416	$543,716	-0.1%
Net Income	$34,668	$95,564	-0.6%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FRED LOVE	PRESIDENT	10.00	Officer Director	$0	$0	$0
AMANDA DOBANTON	VICE PRESIDENT/TREASURER	5.00	Officer Director	$0	$0	$0
ANDREW SAVYSKY	DIRECTOR	3.00	Director	$0	$0	$0
MARC HERMES	DIRECTOR	5.00	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	No data	No data	No data	No data
2023	$520,084	$485,416	$192,289	$34,668
2022	$639,280	$543,716	$157,621	$95,564
2021	$471,159	$558,028	$62,055	$-86,869
2020	$399,718	$359,744	$148,924	$39,974
2019	$528,252	$531,825	$108,950	$-3,573
2018	$738,612	$679,228	$112,523	$59,384
2017	$950,431	$935,172	$53,137	$15,259

NATIONAL ASSOCIATION OF SETTLEMENT PURCHASERS