COMMERCIAL COLLECTION AGENCIES OF AMERICA (EIN 465658593) - 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

2014

Legal Domicile

Principal Officer

FRED WASSERSPRING

Phone

5168166445

Tax Period

2024-06-01 to 2025-05-31

COMMERCIAL COLLECTION AGENCIES OF AMERICA INC, founded in 2014, is a small nonprofit in the Community Improvement sector that reported $318K in total revenue in fiscal year 2018. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $308K left a modest 3% surplus.

Mission

THE PURPOSE OF THE ORGANIZATION IS TO DISSEMINATE INFORMATION TO ITS MEMBERS ON THE COMMERCIAL COLLECTION INDUSTRY. THE ORGANIZATION PROVIDES EDUCATION TO ITS MEMBER COMPANIES ON COLLECTION TECHNIQUES AND THE REGULATORY REQUIREMENTS IN CONTACTING DEBTORS. THE ORGANIZATION PUT ON EDUCATIONAL SESSIONS AT THE CONFERENCES

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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 $338,655

Investment Income $5

Other Revenue $4,125

TOTAL REVENUE $342,785

Expense Breakdown

Grants Paid $500

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $371,544

TOTAL EXPENSES $372,044

Year-over-Year Comparison

	2024	2023	Change
Revenue	$342,785	$346,200	0.0%
Expenses	$372,044	$351,699	+0.1%
Net Income	$-29,259	$-5,499	+4.3%

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

N/A

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FRED WASSERSPRING	TREASURER	2.00	Officer Director	$0	$0	$0
HUMBERTO MATZ	PRESIDENT	2.00	Officer Director	$0	$0	$0
JIM MCDERMOTT	DIRECTOR	2.00	Director	$0	$0	$0
TOM CLAYBAUGH	DIRECTOR	2.00	Director	$0	$0	$0
STEVE RAUCH	SECRETARY	2.00	Officer Director	$0	$0	$0
JULIE HAYSLEY	DIRECTOR	2.00	Director	$0	$0	$0
ALEX ROSEN	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
MEG SCOTTY	STANDARDS BOARD LIAISON	2.00	Officer	$0	$0	$0
PETE ROTH	FORMER PRESIDENT	2.00	Officer	$0	$0	$0
ANNETE WAGGONER	EXECUTIVE DIRECTOR	30.00	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
2025	$342,785	$372,044	$54,728	$-29,259
2024	$346,200	$351,699	$80,069	$-5,499
2023	$284,908	$314,579	$116,424	$-29,671
2022	$305,528	$289,789	$137,099	$15,739
2021	$164,527	$146,965	$134,010	$17,562
2020	$226,204	$237,457	$120,368	$-11,253
2019	$317,725	$308,175	$84,996	$9,550

COMMERCIAL COLLECTION AGENCIES OF AMERICA