NATIONAL ASSOCIATION OF CONSUMER BANKRUPTCY ATTORNEYS INC (EIN 521793623) - 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

1992

Legal Domicile

Principal Officer

JAMES IKE SHULMAN

Phone

4082973333

Tax Period

2024-07-01 to 2025-06-30

NATIONAL ASSOCIATION OF CONSUMER BANKRUPTCY ATTORNEYS INC, founded in 1992, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum.

Mission

TO ADVOCATE FOR THE RIGHTS OF CONSUMER BANKRUPTCY DEBTORS AND ASSISTING THE NEEDS OF CONSUMER BANKRUPTCY DEBTOR ATTORNEYS.

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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 $1,169,347

Investment Income $972

Other Revenue $50,788

TOTAL REVENUE $1,221,107

Expense Breakdown

Grants Paid $0

Salaries & Benefits $247,918

Fundraising Expenses $0

Other Expenses $1,016,762

TOTAL EXPENSES $1,264,680

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,221,107	$1,007,761	+0.2%
Expenses	$1,264,680	$1,088,743	+0.2%
Net Income	$-43,573	$-80,982	-0.5%

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

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
RICHARD H NEMETH	PRESIDENT/DIRECTOR	10.00	Officer Director	$0	$0	$0
JENNY DOLING	VICE PRESIDENT/DIRECTOR	5.00	Officer Director	$0	$0	$0
KARA GENDRON	SECRETARY/DIRECTOR	5.00	Officer Director	$0	$0	$0
EDWARD BOLTZ	DIRECTOR	5.00	Director	$0	$0	$0
CAROL COLLIERSMITH	DIRECTOR	5.00	Director	$0	$0	$0
JOHN C COLWELL	DIRECTOR	5.00	Director	$0	$0	$0
BRIAN FLICK	DIRECTOR	5.00	Director	$0	$0	$0
DANIEL M PRESS	DIRECTOR (THRU APRIL 2025)	5.00	Director	$0	$0	$0
BRETT WEISS	DIRECTOR	5.00	Director	$0	$0	$0
TARA SALINAS	DIRECTOR (START APRIL 2025)	5.00	Director	$0	$0	$0
EUGENE MELCHIONNE	VICE PRESIDENT (THRU 12/31/24)	5.00	Officer	$0	$0	$0
JAMES IKE SHULMAN	TREASURER	10.00	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	$1,221,107	$1,264,680	$469,368	$-43,573
2024	$1,007,761	$1,088,743	$511,791	$-80,982
2023	$1,048,616	$1,304,968	$592,773	$-256,352
2022	$1,156,254	$1,351,221	$849,125	$-194,967
2021	$676,861	$698,914	$1,044,092	$-22,053
2020	$1,157,909	$798,545	$1,076,145	$359,364
2019	$1,156,808	$1,154,608	$706,781	$2,200
2018	$1,136,822	$1,215,416	$704,581	$-78,594

NATIONAL ASSOCIATION OF CONSUMER BANKRUPTCY ATTORNEYS INC