NATIONAL AUTOMOTIVE FINANCE ASSOC

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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

1997

Legal Domicile

Principal Officer

JENNIFER MARTIN

Phone

4107124036

Tax Period

2024-01-01 to 2024-12-31

NATIONAL AUTOMOTIVE FINANCE ASSOC, founded in 1997, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2024. Revenue surged 38% from the prior year, signaling strong growth momentum. The organization ran a surplus of $221K, a strong 19% operating margin.

Mission

FUNCTIONS AS A TRADE ASSOCIATION OF LENDERS AND LESSORS REPRESENTING THE SUB-PRIME AUTOMOTIVE FINANCE INDUSTRY.

Program Service Accomplishments

Program 1

TO FUNCTION AS A TRADE ASSOCIATION OF LENDERS AND LESSORS THAT ACTIVELY ENGAGE IN PERSONAL PROPERTY SECURED LENDING AND LEASING TO INDIVIDUALS WHO ARE DEEMED TO BE RELATIVELY HIGH CREDIT RISKS AND OF OTHER ENTITIES AND INDIVIDUALS WHO ARE INTERESTED IN PROTECTING AND IMPROVING THE CONSUMER SECURED CREDIT BUSINESS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,145,277

Investment Income $1,306

Other Revenue $0

TOTAL REVENUE $1,146,583

Expense Breakdown

Grants Paid $0

Salaries & Benefits $346,562

Fundraising Expenses $0

Other Expenses $579,231

TOTAL EXPENSES $925,793

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,146,583	$832,004	+0.4%
Expenses	$925,793	$852,682	+0.1%
Net Income	$220,790	$-20,678	-11.7%

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

$176,882

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER MARTIN	EXECUTIVE DI	40.00	Officer	$161,306	$15,576	$176,882
PAUL GILLESPIE	BOARD MEMBER	1.00	Director	$0	$0	$0
MICKY WATTS	CHAIRMAN	5.00	Officer Director	$0	$0	$0
CLAUDIA PLASCENCIA	PRESIDENT	5.00	Officer Director	$0	$0	$0
MATT BURKE	SECRETARY/TR	2.00	Officer Director	$0	$0	$0
SUZI STRAFFON	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
JIM BASS	BOARD MEMBER	1.00	Director	$0	$0	$0
BRENDA STUCKERT	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRIS MITCHAM	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVID ELMORE	BOARD MEMBER	1.00	Director	$0	$0	$0
DON JASENSKY	BOARD MEMBER	1.00	Director	$0	$0	$0
GARY PERDUE	BOARD MEMBER	1.00	Director	$0	$0	$0
IAN ANDERSON	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFF ANDERSON	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFFREY HAYMORE	BOARD MEMBER	1.00	Director	$0	$0	$0
KEVIN CARR	BOARD MEMBER	1.00	Director	$0	$0	$0
KRISTIN KARWAT	BOARD MEMBER	1.00	Director	$0	$0	$0
MARGUERITE WATANABE	BOARD MEMBER	1.00	Director	$0	$0	$0
OZZIE RAMOS	BOARD MEMBER	1.00	Director	$0	$0	$0
JOEL KENNEDY	BOARD MEMBER	1.00	Director	$0	$0	$0
JUSTIN CONNERS	BOARD MEMBER	1.00	Director	$0	$0	$0
BRAD BITNER	BOARD MEMBER	1.00	Director	$0	$0	$0
ANDY MAYERS	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN CONFADT	BOARD MEMBER	1.00	Director	$0	$0	$0
MARISSA KALIMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVID BAKER	BOARD MEMBER	1.00	Director	$0	$0	$0
LYNDON ELAM	BOARD MEMBER	1.00	Director	$0	$0	$0
ERIC JOHNSON	COUNSEL	2.00	Officer 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
2025	No data	No data	No data	No data
2024	$1,146,583	$925,793	$343,010	$220,790
2023	$832,004	$852,682	$173,534	$-20,678
2022	$787,417	$714,919	$168,933	$72,498
2021	$678,514	$628,302	$99,082	$50,212
2020	$599,057	$586,703	$89,000	$12,354
2019	$913,093	$972,779	$166,150	$-59,686
2018	$969,762	$931,099	$222,549	$38,663