INTERNATIONAL CREDIT AND TRADE FIN… - Form 990 Financial Data

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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

2010

Legal Domicile

Principal Officer

ANETA SPILMAN

Phone

4105225013

Tax Period

2024-01-01 to 2024-12-31

INTERNATIONAL CREDIT AND TRADE FINANCE ASSOCIATION, founded in 2010, is a small nonprofit in the Community Improvement sector that reported $925K in total revenue in fiscal year 2024. Expenses of $891K left a modest 4% surplus.

Mission

IS TO ADVANCE THE PROFESSION OF INTERNATIONAL CREDIT MANAGEMENT BY PROVIDING UNMATCHED EXPERTISE, LEADERSHIP, POWERFUL CONNECTIONS, LEADING EDGE EDUCATION AND SERVICES, AND A FORUM FOR THE EXCHANGE OF INFORMATION AND BEST PRACTICES.

Program Service Accomplishments

Program 1

Expenses: $890,894 Revenue: $925,356

SUPPORTING THE GOALS AND SERVING THE NEEDS OF ITS MEMBERS AND THE INTERNATIONAL BUSINESS COMMUNITY BY PROVIDING UNMATCHED EXPERTISE, LEADERSHIP, POWERFUL CONNECTIONS, AN INTERNATIONAL NETWORK...

SUPPORTING THE GOALS AND SERVING THE NEEDS OF ITS MEMBERS AND THE INTERNATIONAL BUSINESS COMMUNITY BY PROVIDING UNMATCHED EXPERTISE, LEADERSHIP, POWERFUL CONNECTIONS, AN INTERNATIONAL NETWORK, LEADING EDGE RESOURCES, PROGRAMS AND SERVICES TO GIVE A DISTINCT ADVANTAGE TO THOSE WHO STRIVE FOR EXCELLENCE AND IMPROVED PERFORMANCE.

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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 $449,943

Program Service Revenue $423,802

Investment Income $51,611

Other Revenue $0

TOTAL REVENUE $925,356

Expense Breakdown

Grants Paid $0

Salaries & Benefits $332,935

Fundraising Expenses $0

Program Expenses $890,894

Other Expenses $557,959

TOTAL EXPENSES $890,894

Year-over-Year Comparison

	2024	2023	Change
Revenue	$925,356	$906,144	+0.0%
Expenses	$890,894	$806,740	+0.1%
Net Income	$34,462	$99,404	-0.7%

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

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

$230,492

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANETA SPILMAN	PRESIDENT	40.00	Officer	$230,492	$0	$230,492
WILLIAM BASTIAAN	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD CLARK	DIRECTOR	1.00	Director	$0	$0	$0
RAUL DAVILA	CHAIRMAN	2.00	Officer Director	$0	$0	$0
ANGELA HODGES	DIRECTOR	1.00	Director	$0	$0	$0
JENNY KING	DIRECTOR	1.00	Director	$0	$0	$0
NICK KING	VICE CHAIR	2.00	Officer Director	$0	$0	$0
ALICE KNIGHT	TREASURER	2.00	Officer Director	$0	$0	$0
DARIUSZ LACHOWSKI	DIRECTOR	1.00	Director	$0	$0	$0
TINA SORRELS	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
2024	$925,356	$890,894	$1,422,946	$34,462
2023	$906,144	$806,740	$1,427,754	$99,404
2022	$910,648	$774,556	$1,320,844	$136,092
2021	$773,785	$666,923	$1,214,902	$106,862
2020	$739,126	$664,035	$1,093,612	$75,091
2019	$1,026,693	$924,898	$1,037,373	$101,795
2018	$1,000,830	$890,611	$927,484	$110,219

INTERNATIONAL CREDIT AND TRADE FINANCE ASSOCIATION