National Rural Lenders Association… - Form 990 Financial Data

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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

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

Advocate for USDA Guaranteed Lending programs to support rural economic development. NRLA proposes to educate the banking and lending communities of the advantages of such loans through their membership and outreach to improve rural communities.

Program Service Accomplishments

Program 1

The National Rural Lenders Association (NRLA) filed with the State of Louisiana Secretary of State on November 10, 2014, with around 12 members. As of December 31, 2024, membership has grown to...

The National Rural Lenders Association (NRLA) filed with the State of Louisiana Secretary of State on November 10, 2014, with around 12 members. As of December 31, 2024, membership has grown to approximately 70 members.The NRLA Board of Directors had a monthly teleconference with those Directors available to discuss NRLA projections and proposals. The NRLA had its tenth annual conference in October of 2024 with approximately 100 attendees.The purpose of NRLA is to Advocate for USDA Guaranteed Lending programs to support rural economic development. Guaranteed lending is an often-overlooked resource for the needed capital for businesses and communities in rural America that often goes unmet. Various guaranteed lending programs fill an important gap in access to capital for rural businesses, communities, and not-for-profit and tribal entities.

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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 $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

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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

$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