COMMUNITY BANKERS ASSN OF IL INC (EIN 370990447) - 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

1974

Legal Domicile

Principal Officer

KRAIG LOUNSBERRY

Phone

2175292665

Tax Period

2024-07-01 to 2025-06-30

COMMUNITY BANKERS ASSN OF IL INC, founded in 1974, is a community nonprofit that reported $4.8M in total revenue in fiscal year 2024. Expenses of $4.2M left a modest 13% surplus.

Mission

THE MISSION OF THE COMMUNITY BANKERS ASSOCIATION OF ILLINOIS IS TO PROVIDE ITS MEMBERS A COMPETITIVE EDGE BY EFFECTIVELY AGGREGATING POLITICAL, ECONOMIC, AND MARKETING POWER. THE CBAI IS DEDICATED TO KEEPING COMMUNITY BANKS COMPETITIVE FOR THE BENEFIT OF THEIR CUSTOMERS AND THE COMMUNITIES THEY SERVE THROUGH DELIVERY OF QUALITY EDUCATION, EFFECTIVE POLITICAL REPRESENTATION, AND ESSENTIAL PRODUCTS AND SERVICES. THE MISSION WILL BE PURSUED WITH INTEGRITY, EQUAL REPRESENTATION, PROFESSIONALISM, VISION, AND RESPONSIVENESS.

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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 $0

Program Service Revenue $4,136,109

Investment Income $117,609

Other Revenue $538,359

TOTAL REVENUE $4,792,077

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,329,222

Fundraising Expenses $0

Other Expenses $1,842,172

TOTAL EXPENSES $4,171,394

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,792,077	$4,535,179	+0.1%
Expenses	$4,171,394	$4,053,983	+0.0%
Net Income	$620,683	$481,196	+0.3%

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

180

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

$120,645

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JASON SEMPLE	DIRECTOR	1.00	Director	$0	$0	$0
GREGG ROEGGE	DIRECTOR	1.00	Director	$0	$0	$0
JOHN DOSIER	DIRECTOR	1.00	Director	$0	$0	$0
JEFF BONNETT	DIRECTOR	1.00	Director	$0	$0	$0
JIM WEAST	DIRECTOR	1.00	Director	$0	$0	$0
SHAWN DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
SHEILA BURCHAM	IMMEDIATE PAST CHAIRWOMAN	1.00	Officer Director	$0	$0	$0
AMY THIEDE	DIRECTOR	1.00	Director	$0	$0	$0
DAN GRAHAM	FIRST VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
MARY JO HOMAN	TREASURER	1.00	Officer Director	$0	$0	$0
KIM MCKEE	DIRECTOR	1.00	Director	$0	$0	$0
DOUG PARROTT	DIRECTOR	1.00	Director	$0	$0	$0
COLLEEN HENKEL	DIRECTOR	1.00	Director	$0	$0	$0
DAVID STANTON	CHAIRMAN	1.00	Officer Director	$0	$0	$0
KEVIN DAY	DIRECTOR	1.00	Director	$0	$0	$0
RICK KLINEDINST	DIRECTOR	1.00	Director	$0	$0	$0
CHAD MARTIN	SECOND VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
PATRICK MCSHANE	DIRECTOR	1.00	Director	$0	$0	$0
MATT CLARK	DIRECTOR	1.00	Director	$0	$0	$0
DIANNA TORMAN	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER BEARD	DIRECTOR	1.00	Director	$0	$0	$0
DELAINA ZELLERS	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW BLACK	DIRECTOR	1.00	Director	$0	$0	$0
NEAL STIMPERT	DIRECTOR	1.00	Director	$0	$0	$0
DAVID LOUNDY	DIRECTOR	1.00	Director	$0	$0	$0
DAVID ALBIN	DIRECTOR	1.00	Director	$0	$0	$0
JASON KNOEDLER	DIRECTOR	1.00	Director	$0	$0	$0
MIKE RADLIFF	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK BEVERIDGE	CFO	37.50	Officer	$120,645	$0	$120,645
DAVID SCHROEDER	VP OF FED GOVERNMENTAL REL	37.50	Highest	$166,098	$0	$166,098
KRAIG LOUNSBERRY	PRESIDENT	37.50	Highest	$331,986	$0	$331,986
TRACY MCQUINN	SENIOR VP OF EDUCATION & S	37.50	Highest	$157,651	$0	$157,651
GERALD PECK	SENIOR VP OF GOVERNMENTAL	37.50	Highest	$141,085	$0	$141,085
JENNY DIAL	SENIOR VP OF OPERATIONS	37.50	Highest	$111,749	$0	$111,749

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	$4,792,077	$4,171,394	$7,563,066	$620,683
2024	$4,535,179	$4,053,983	$6,993,830	$481,196
2023	$4,396,574	$4,059,180	$6,787,281	$337,394
2022	$4,467,230	$4,480,878	$6,966,322	$-13,648
2021	$3,824,328	$3,871,672	$6,623,230	$-47,344
2020	$4,231,490	$4,258,505	$5,807,752	$-27,015
2019	$4,579,640	$4,503,038	$5,370,888	$76,602
2018	$4,745,607	$4,544,087	$5,620,926	$201,520

COMMUNITY BANKERS ASSN OF IL INC