NATIONAL CONSUMER BANKRUPTCY RIGHTS CENTER (EIN 273191132) - 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

2010

Legal Domicile

Principal Officer

JAMES S SHULMAN

Phone

4082973333

Tax Period

2025-01-01 to 2025-12-31

NATIONAL CONSUMER BANKRUPTCY RIGHTS CENTER, founded in 2010, is a small nonprofit in the Crime & Legal sector that reported $352K in total revenue in fiscal year 2025. The organization ran a surplus of $245K, a strong 70% operating margin.

Mission

THE NATIONAL CONSUMER BANKRUPTCY RIGHTS CENTER (NCBRC) IS A 501(C)(3) ORGANIZATION DEDICATED TO PROTECTING THE INTEGRITY OF THE BANKRUPTCY SYSTEM AND PRESERVING THE RIGHTS OF CONSUMER BANKRUPTCY DEBTORS. CREATED IN 2010, NCBRC WAS FOUNDED BY THE BOARD OF THE NATIONAL ASSOCIATION OF CONSUMER BANKRUPTCY ATTORNEYS TO PROVIDE ASSISTANCE TO CONSUMER DEBTORS AND THEIR COUNSEL IN CASES LIKELY TO IMPACT CONSUMER BANKRUPTCY LAW.

🔒

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 $345,820

Program Service Revenue $0

Investment Income $6,480

Other Revenue $0

TOTAL REVENUE $352,300

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $1,450

Program Expenses $99,646

Other Expenses $105,393

TOTAL EXPENSES $106,843

Year-over-Year Comparison

	2025	2024	Change
Revenue	$352,300	N/A	N/A
Expenses	$106,843	N/A	N/A
Net Income	$245,457	$0	N/A

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
JAMES S SHULMAN	TREASURER	1.00	Director	$0	$0	$0
HENRY J SOMMER	PRESIDENT	1.00	Director	$0	$0	$0
MATTHEW J MASON	SECRETARY	1.00	Director	$0	$0	$0
NORMA L HAMMES	VICE PRESIDENT	1.00	Director	$0	$0	$0
JOHN RAO	DIRECTOR	1.00	Director	$0	$0	$0
DAVID YEN	DIRECTOR	1.00	Director	$0	$0	$0
JILL MICHAUX	DIRECTOR	1.00	Director	$0	$0	$0
DAN PRESS	DIRECTOR	1.00	Director	$0	$0	$0
ANGELA K LITTWIN	DIRECTOR	1.00	Director	$0	$0	$0
VICTOR NOSKOV	DIRECTOR	1.00	Director	$0	$0	$0
EDWARDS BOLTZ	DIRECTOR	1.00	Director	$0	$0	$0
EUGENE MELCHIONNE	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS MAYER	DIRECTOR	1.00	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
2025	$352,300	$106,843	$374,116	$245,457

NATIONAL CONSUMER BANKRUPTCY RIGHTS CENTER