AMERICAN ASSOCIATION OF COMMERCIAL FINANCE BROKERS INC (EIN 581919154) - 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

1991

Legal Domicile

Principal Officer

MONICA HARPER

Phone

5025749030

Tax Period

2024-01-01 to 2024-12-31

AMERICAN ASSOCIATION OF COMMERCIAL FINANCE BROKERS INC, founded in 1991, is a small nonprofit that reported $694K in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year. Expenses of $657K left a modest 5% surplus.

Mission

THE ASSOCIATION IS A TRADE ASSOCIATION EMPOWERING INDEPENDENT COMMERCIAL FINANCE PROFESSIONALS AND THE INTERESTS OF THEIR FUNDING SOURCE PARTNERS. AACFB HAS EVOLVED INTO AN INNOVATIVE ASSOCIATION REPRESENTING THE INTERESTS OF ITS MEMBERS AND IS CONSTANTLY DEVELOPING PROGRAMS AND OPPORTUNITIES TO IMPROVE LEVELS OF PERFORMANCE, WHILE PROVIDING CONSISTENT ENCOURAGEMENT TO MEMBERS TO IMPLEMENT AND UTILIZE ETHICAL DISCIPLINES.

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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 $223,350

Program Service Revenue $434,953

Investment Income $28,345

Other Revenue $7,801

TOTAL REVENUE $694,449

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $656,715

TOTAL EXPENSES $656,715

Year-over-Year Comparison

	2024	2023	Change
Revenue	$694,449	$816,114	-0.1%
Expenses	$656,715	$597,293	+0.1%
Net Income	$37,734	$218,821	-0.8%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERESA CRANNEY	IMMEDIATE PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
RODERICK KNOLL	PRESIDENT	2.00	Officer Director	$0	$0	$0
KALAH SPRABEARY	PRESIDENT-ELECT	2.00	Officer Director	$0	$0	$0
KORTNEY MURRAY	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
PAUL BOSLEY	TREASURER/SECRETARY	1.00	Officer Director	$0	$0	$0
LAURA ESTRADA	DIRECTOR AT LARGE	1.00	Director	$0	$0	$0
KATIE BAKER	DIRECTOR AT LARGE	1.00	Director	$0	$0	$0
LIZ POVENTUD	DIRECTOR AT LARGE	1.00	Director	$0	$0	$0
MONICA HARPER	EXECUTIVE DIRECTOR	40.00	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	$694,449	$656,715	$1,683,303	$37,734
2023	$816,114	$597,293	$1,608,063	$218,821
2022	$707,229	$552,934	$1,403,449	$154,295
2021	$539,004	$468,789	$1,217,647	$70,215
2020	$293,064	$327,367	$1,144,581	$-34,303

AMERICAN ASSOCIATION OF COMMERCIAL FINANCE BROKERS INC