NATIONAL INSTALLMENT LENDERS ASSOCIATION (EIN 263881154) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2008

Legal Domicile

Principal Officer

ROCHELLE MCCLANAHAN

Phone

2024668603

Tax Period

2025-01-01 to 2025-12-31

NATIONAL INSTALLMENT LENDERS ASSOCIATION, founded in 2008, is a small nonprofit in the Human Services sector that reported $300K in total revenue in fiscal year 2025. Revenue decreased 12% compared to the prior year. The organization ran a surplus of $55K, a strong 18% operating margin.

Mission

ENSURE THAT INSTALLMENT LOAN COMPANIES AND CUSTOMERS HAVE A VOICE IN WASHINGTON, ESPECIALLY ON LEGISLATION THAT AFFECTS THE INSTALLMENT LOAN INDUSTRY, CUSTOMERS, AND EMPLOYEES.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $299,500

Investment Income $0

Other Revenue $0

TOTAL REVENUE $299,500

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $244,610

TOTAL EXPENSES $244,610

Year-over-Year Comparison

	2025	2024	Change
Revenue	$299,500	$341,000	-0.1%
Expenses	$244,610	$288,040	-0.2%
Net Income	$54,890	$52,960	+0.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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
ROCHELLE MCCLANAHAN	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
TOM HUDGINS	DIRECTOR	1.00	Director	$0	$0	$0
JODY MACON	DIRECTOR	1.00	Director	$0	$0	$0
VIC BARR	DIRECTOR	1.00	Director	$0	$0	$0
DOUG CLARK	PRESIDENT	1.00	Officer Director	$0	$0	$0
DAVID KORN	VICE PRESIDENT	1.00	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	$299,500	$244,610	$259,813	$54,890
2024	$341,000	$288,040	$205,075	$52,960
2023	$354,500	$315,173	$151,963	$39,327
2022	$355,000	$505,658	$112,636	$-150,658
2021	$481,668	$513,729	$263,294	$-32,061
2020	$479,000	$524,769	$330,355	$-45,769
2019	$556,500	$575,091	$341,124	$-18,591
2018	$607,000	$585,206	$359,715	$21,794

NATIONAL INSTALLMENT LENDERS ASSOCIATION