AMERICAN COLLEGE OF BANKRUPTCY (EIN 521759771) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1998

Legal Domicile

Principal Officer

PATRICIA REDMOND

Phone

4349396004

Tax Period

2024-01-01 to 2024-12-31

AMERICAN COLLEGE OF BANKRUPTCY, founded in 1998, is a small nonprofit in the Education sector that reported $728K in total revenue in fiscal year 2018.

Mission

TO ENHANCE PUBLIC RESPECT FOR AND PROFESSIONALISM IN THE INSOLVENCY AND BANKRUPTCY PRACTICE.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $433,000

Program Service Revenue $629,333

Investment Income $111,920

Other Revenue $5,593

TOTAL REVENUE $1,179,846

Expense Breakdown

Grants Paid $305,251

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $831,546

TOTAL EXPENSES $1,136,797

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,179,846	$1,083,569	+0.1%
Expenses	$1,136,797	$932,816	+0.2%
Net Income	$43,049	$150,753	-0.7%

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

150

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
MELISSA S KIBLER	CHAIR UNTIL MARCH	5.00	Officer Director	$0	$0	$0
CHARLES A BECKHAM JR	PRESIDENT UNTIL MARCH, THEN CHAIR	5.00	Officer Director	$0	$0	$0
PATRICIA REDMOND	PRESIDENT AS OF MARCH	5.00	Officer Director	$0	$0	$0
HON CRAIG GOLDBLATT	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
HON LAUREL ISICOFF	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
HON CLIFTON JESSUP JR	VICE PRESIDENT AS OF MARCH	1.00	Officer Director	$0	$0	$0
KAREN A GIANNELLI	VICE-PRESIDENT UNTIL MARCH	1.00	Officer Director	$0	$0	$0
ANNETTE W JARVIS	SECRETARY UNTIL MARCH	1.00	Officer Director	$0	$0	$0
SANDEEP QUSBA DIRECTOR UNTIL	MARCH, THEN SECRETARY	1.00	Officer Director	$0	$0	$0
PROF ELIZABETH TASHJIAN	TREASURER	2.00	Officer Director	$0	$0	$0
HON JANET BOSTWICK	DIRECTOR	1.00	Director	$0	$0	$0
LAURA DAVIS JONES	DIRECTOR	1.00	Director	$0	$0	$0
CYNTHIA NELSON	DIRECTOR	1.00	Director	$0	$0	$0
HON LISA BECKERMAN	DIRECTOR	1.00	Director	$0	$0	$0
BERRY SPEARS	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK ANG	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES T COLEMAN	DIRECTOR	1.00	Director	$0	$0	$0
DOUGLAS M FOLEY	DIRECTOR	1.00	Director	$0	$0	$0
DEMETRA LIGGINS	DIRECTOR	1.00	Director	$0	$0	$0
E FRANKLIN CHILDRESS JR	DIRECTOR AS OF MARCH	1.00	Director	$0	$0	$0
JAY S GELLER	DIRECTOR AS OF MARCH	1.00	Director	$0	$0	$0
HON MARY JO HESTON	DIRECTOR AS OF MARCH	1.00	Director	$0	$0	$0
HON PEGGY HUNT	DIRECTOR AS OF MARCH	1.00	Director	$0	$0	$0
FELICIA PERLMAN	DIRECTOR AS OF MARCH	1.00	Director	$0	$0	$0
LISA SCHWEITZER	DIRECTOR AS OF MARCH	1.00	Director	$0	$0	$0
PAUL S SINGERMAN	DIRECTOR AS OF MARCH	1.00	Director	$0	$0	$0
JENNIFER C HAGLE	DIRECTOR AS OF MARCH	5.00	Director	$0	$0	$0
PAUL E HARNER	DIRECTOR UNTIL MARCH	1.00	Director	$0	$0	$0
JAN M HAYDEN	DIRECTOR UNTIL MARCH	5.00	Director	$0	$0	$0
ROBERT M CHARLES JR	DIRECTOR UNTIL MARCH	1.00	Director	$0	$0	$0
HON ROBERTA A COLTON	DIRECTOR UNTIL MARCH	1.00	Director	$0	$0	$0
ROBERT J KEACH	DIRECTOR UNTIL MARCH	1.00	Director	$0	$0	$0
TIMOTHY F NIXON	DIRECTOR UNTIL MARCH	1.00	Director	$0	$0	$0
GEORGE T SNYDER	DIRECTOR UNTIL MARCH	1.00	Director	$0	$0	$0
TAFT A KCKINSTRY	DIRECTOR UNTIL MARCH	1.00	Director	$0	$0	$0
SHARI BEDKER	EXECUTIVE DIRECTOR UNTIL JUNE	20.00	Officer	$0	$0	$0
ALEXANDRA CC SCHNAPP	EXECUTIVE DIRECTOR AS OF JULY	20.00	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	$1,179,846	$1,136,797	$1,627,154	$43,049
2023	$1,083,569	$932,816	$1,444,859	$150,753
2022	$473,185	$922,230	$1,289,669	$-449,045
2021	$877,959	$643,915	$1,486,547	$234,044
2020	$770,137	$531,921	$1,229,856	$238,216
2019	$773,909	$777,858	$959,559	$-3,949
2018	$728,271	$707,242	$921,269	$21,029

AMERICAN COLLEGE OF BANKRUPTCY