NATIONAL ASSOCIATION OF CREDIT MANAGEMENT REALTY CORPORATION (EIN 522021524) - 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

1995

Legal Domicile

Principal Officer

ROBIN SCHAUSEIL

Phone

4107405560

Tax Period

2024-01-01 to 2024-12-31

NATIONAL ASSOCIATION OF CREDIT MANAGEMENT REALTY CORPORATION, founded in 1995, is a small nonprofit in the Community Improvement sector that reported $274K in total revenue in fiscal year 2024. Net assets of $718K represent 31 months of operating reserves.

Mission

TO HOLD TITLE TO REAL AND PERSONAL PROPERTY, COLLECT RENTAL INCOME FROM PROPERTY AND REMIT THE NET PROCEEDS TO NACM.

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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 $278,148

Investment Income $0

Other Revenue $-3,974

TOTAL REVENUE $274,174

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $289,704

TOTAL EXPENSES $289,704

Year-over-Year Comparison

	2024	2023	Change
Revenue	$274,174	$277,768	0.0%
Expenses	$289,704	$281,713	+0.0%
Net Income	$-15,530	$-3,945	+2.9%

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

N/A

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

$411,618

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBIN SCHAUSEIL	PRESIDENT	1.00	Officer	$0	$39,005	$217,877
YONG KIM	CFO	1.00	Officer	$0	$37,989	$193,741
JOANN MALZ CCE ICCE	CHAIR	1.00	Director	$0	$0	$0
ROXANNE PRICE CCE CCRA	CHAIR ELECT	1.00	Director	$0	$0	$0
DEANNA LEAHY CCE	IMMEDIATE PAST CHAIR	1.00	Director	$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	$274,174	$289,704	$2,321,458	$-15,530
2023	$277,768	$281,713	$2,396,654	$-3,945
2022	$294,517	$338,199	$2,456,334	$-43,682
2021	$310,735	$315,503	$2,527,650	$-4,768
2020	$301,007	$295,260	$2,123,960	$5,747
2019	$309,078	$317,394	$2,188,373	$-8,316
2018	$288,034	$287,566	$2,256,185	$468

NATIONAL ASSOCIATION OF CREDIT MANAGEMENT REALTY CORPORATION