National Rural Lenders Association Inc (EIN 472291922) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2014

Legal Domicile

Principal Officer

Pam Moore-Wilcher

Phone

6015629306

Tax Period

2024-01-01 to 2024-12-31

National Rural Lenders Association Inc, founded in 2014, is a small nonprofit in the Community Improvement sector that reported $442K in total revenue in fiscal year 2024. Revenue surged 43% from the prior year, signaling strong growth momentum. The organization ran a surplus of $93K, a strong 21% operating margin.

Mission

To advocate for USDA Guaranteed Lending programs to support rural economic development.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $431,825

Investment Income $10,315

Other Revenue $0

TOTAL REVENUE $442,140

Expense Breakdown

Grants Paid $0

Salaries & Benefits $22,320

Fundraising Expenses $0

Other Expenses $327,247

TOTAL EXPENSES $349,567

Year-over-Year Comparison

	2024	2023	Change
Revenue	$442,140	$309,779	+0.4%
Expenses	$349,567	$290,246	+0.2%
Net Income	$92,573	$19,533	+3.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$22,320

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
R Alan Hoskins	Chair	2.00	Officer Director	$0	$0	$0
Ben Clark	Director	2.00	Director	$0	$0	$0
Bob Madsen	Director	2.00	Director	$0	$0	$0
Cara Lank	Director	2.00	Director	$0	$0	$0
Clint Spruill	Director	2.00	Director	$0	$0	$0
Dave Dornbirer	Director	2.00	Director	$0	$0	$0
Debra Nesbitt	Director	2.00	Director	$0	$0	$0
Donald Wooley	Director	2.00	Director	$0	$0	$0
Hal Fudge	Director	2.00	Director	$0	$0	$0
Jennifer Bond	Director	2.00	Director	$0	$0	$0
Jeremy Gilpin	Director	2.00	Director	$0	$0	$0
Joe Geisler	Director	2.00	Director	$0	$0	$0
Jordan Blanchard	Director	2.00	Director	$0	$0	$0
Keelan French	Director	2.00	Director	$0	$0	$0
Patrick Rooney	Director	2.00	Director	$0	$0	$0
Stephen Van Sickle	Director	2.00	Director	$0	$0	$0
Steve McCune	Director	2.00	Director	$0	$0	$0
Terry Jones	Director	2.00	Director	$0	$0	$0
Pam Moore-Wilcher	Executive Director	10.00	Officer	$22,320	$0	$22,320

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	$442,140	$349,567	$441,624	$92,573
2023	$309,779	$290,246	$386,251	$19,533
2022	$312,450	$291,801	$274,028	$20,649
2021	$269,684	$136,615	$253,574	$133,069

National Rural Lenders Association Inc