NATIONAL CREDIT REPORTING ASSOCIATION INC (EIN 351877818) - 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

1992

Legal Domicile

Principal Officer

DEBBIE LOYNING

Phone

6305391525

Tax Period

2024-01-01 to 2024-12-31

NATIONAL CREDIT REPORTING ASSOCIATION INC, founded in 1992, is a small nonprofit in the Community Improvement sector that reported $515K in total revenue in fiscal year 2024. Revenue surged 81% from the prior year, signaling strong growth momentum. The organization ran a surplus of $166K, a strong 32% operating margin.

Mission

TRADE ASSOCIATION FOR CREDIT REPORTING INDUSTRY

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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 $94,325

Program Service Revenue $197,724

Investment Income $0

Other Revenue $222,460

TOTAL REVENUE $514,509

Expense Breakdown

Grants Paid $0

Salaries & Benefits $179,666

Fundraising Expenses $0

Program Expenses $194,607

Other Expenses $169,210

TOTAL EXPENSES $348,876

Year-over-Year Comparison

	2024	2023	Change
Revenue	$514,509	$284,991	+0.8%
Expenses	$348,876	$415,075	-0.2%
Net Income	$165,633	$-130,084	-2.3%

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

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

$127,500

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EVON BUTTERWORTH	DIRECTOR	1.00	Director	$0	$0	$0
RUSS DONNAN	DIRECTOR	1.00	Director	$0	$0	$0
JEFF GENTRY	DIRECTOR	1.00	Director	$0	$0	$0
DEBBIE LOYNING	TREASURER/VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
BOB BENAVIDES	DIRECTOR	1.00	Director	$0	$0	$0
SARAH BOYD	SECRETARY	1.00	Director	$0	$0	$0
MIKE BROWN	DIRECTOR	1.00	Director	$0	$0	$0
LISA LEGERE	DIRECTOR	1.00	Director	$0	$0	$0
JIM NORMAN	DIRECTOR	1.00	Director	$0	$0	$0
KRISTI MERGENHAGEN	DIRECTOR	1.00	Director	$0	$0	$0
HEATHER RUSSELL-SCHROEDER	PRESIDENT	1.00	Officer	$0	$0	$0
TERRY CLEMANS	EXECUTIVE DIRECTOR	40.00	Key Emp	$127,500	$0	$127,500
LUZ RAMOS	EMPLOYEE	40.00	Key Emp	$0	$0	$0
ROY GOODWIN	EMPLOYEE	25.00	Key Emp	$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	$514,509	$348,876	$270,208	$165,633
2024	No data	No data	No data	No data
2023	$284,991	$415,075	$107,001	$-130,084
2022	$472,384	$594,947	$238,386	$-122,563
2021	$397,096	$570,364	$318,887	$-173,268

NATIONAL CREDIT REPORTING ASSOCIATION INC