INTERNATIONAL ASSOCIATION OF COMMERCIAL (EIN 237098369) - 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

1970

Legal Domicile

Principal Officer

JESSICA HARTMANN

Phone

9529250760

Tax Period

2023-09-01 to 2024-08-31

INTERNATIONAL ASSOCIATION OF COMMERCIAL, founded in 1970, is a small nonprofit that reported $328K in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $58K, a strong 18% operating margin.

Mission

THE INTERNATIONAL ASSOCIATION OF COMMERCIAL COLLECTORS, INC. (IACC)ENHANCES THE GROWTH OF ITS MEMBERS BY DELIVERING EDUCATION AND PROFESSIONAL RESOURCES IN A COLLABORATIVE ENVIRONMENT.

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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 $126,255

Program Service Revenue $195,870

Investment Income $3,250

Other Revenue $2,379

TOTAL REVENUE $327,754

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $236,499

Other Expenses $269,292

TOTAL EXPENSES $269,292

Year-over-Year Comparison

	2023	2022	Change
Revenue	$327,754	$280,665	+0.2%
Expenses	$269,292	$267,007	+0.0%
Net Income	$58,462	$13,658	+3.3%

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

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
JASSIM DARWISH	DIRECTOR	2.00	Director	$0	$0	$0
BRAD LOHNER	PRESIDENT	2.00	Officer Director	$0	$0	$0
GREG COHEN	DIRECTOR	2.00	Director	$0	$0	$0
JIM MCCONVILLE	TREASURER	2.00	Officer Director	$0	$0	$0
RANDY FRAZEE	DIRECTOR	2.00	Director	$0	$0	$0
ROBERT THARNISH	DIRECTOR	2.00	Director	$0	$0	$0
RONALD STIEGEL	DIRECTOR	2.00	Director	$0	$0	$0
GARY TIER	DIRECTOR	2.00	Director	$0	$0	$0
TONY TERRY	PAST PRESIDENT	2.00	Officer Director	$0	$0	$0
VALERIE INGOLD	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
WANDA BORGES	DIRECTOR	2.00	Director	$0	$0	$0
ERWIN FALKNER	DIRECTOR	2.00	Director	$0	$0	$0
BILL MANN	DIRECTOR	2.00	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	$327,754	$269,292	$488,183	$58,462
2023	$280,665	$267,007	$373,170	$13,658
2022	$253,316	$265,194	$449,781	$-11,878
2021	$193,615	$155,954	$427,360	$37,661
2020	$284,611	$241,811	$347,283	$42,800
2019	$356,016	$348,477	$375,945	$7,539
2018	$324,697	$335,866	$323,597	$-11,169

INTERNATIONAL ASSOCIATION OF COMMERCIAL