National Creditors Bar Association (EIN 431654633) - 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

1993

Legal Domicile

Principal Officer

Elizabeth Terry

Phone

2028610706

Tax Period

2023-01-01 to 2023-12-31

National Creditors Bar Association, founded in 1993, is a community nonprofit in the Recreation & Sports sector that reported $2.2M in total revenue in fiscal year 2023. Revenue decreased 14% compared to the prior year.

Mission

National Creditors Bar Association NCBA is a trade association dedicated to service law firms engaged in the practice of creditors rights law.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,114,558

Investment Income $99,132

Other Revenue $1,658

TOTAL REVENUE $2,215,348

Expense Breakdown

Grants Paid $20,000

Salaries & Benefits $1,000,012

Fundraising Expenses $0

Other Expenses $1,201,006

TOTAL EXPENSES $2,221,018

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,215,348	$2,576,627	-0.1%
Expenses	$2,221,018	$2,081,563	+0.1%
Net Income	$-5,670	$495,064	-1.0%

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

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

$299,200

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Elizabeth Terry	Executive Director	040.00	Key Emp	$275,000	$24,200	$299,200
Nathan Willner	Government Affairs Officer	040.00	Highest	$145,750	$16,087	$161,837
Steven Markoff	President	006.00	Officer Director	$0	$0	$0
Scott Morris	Treasurer	002.00	Officer Director	$0	$0	$0
Barbara Nilsen	President Elect	002.00	Officer Director	$0	$0	$0
Tom Canary	Secretary	002.00	Officer Director	$0	$0	$0
Michele Gagnon	Board	002.00	Director	$0	$0	$0
Brit Suttell	Board	002.00	Director	$0	$0	$0
David Rothman	Board	002.00	Director	$0	$0	$0
David Weimer	Board	002.00	Director	$0	$0	$0
Rachel VanHorn	Board	002.00	Director	$0	$0	$0
Eleanor Tami	Board	002.00	Director	$0	$0	$0
Brian Cloud	Board	002.00	Director	$0	$0	$0
Yale Levy	Board	002.00	Director	$0	$0	$0
Curtis Robertson	Board	002.00	Director	$0	$0	$0
Ronald Miller	Board	002.00	Director	$0	$0	$0
Michael Stillman	Board	002.00	Director	$0	$0	$0
Amy Mertz Brown	Board	002.00	Director	$0	$0	$0
Marvin Dang	Parliamentarian	002.00	Officer	$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	No data	No data	No data	No data
2023	$2,215,348	$2,221,018	$3,192,370	$-5,670
2022	$2,576,627	$2,081,563	$3,360,264	$495,064
2021	$2,139,753	$1,759,439	$2,754,085	$380,314
2020	$1,060,145	$1,511,920	$2,455,235	$-451,775
2019	$2,427,822	$2,395,306	$2,439,178	$32,516
2018	$2,289,985	$2,299,754	$2,443,523	$-9,769

National Creditors Bar Association