GEORGIA INSTALLMENT LENDERS ASSOCIATION (EIN 586055853) - 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

1951

Legal Domicile

Principal Officer

DUANE DAVIS

Tax Period

2023-01-01 to 2023-12-31

GEORGIA INSTALLMENT LENDERS ASSOCIATION, founded in 1951, is a small nonprofit that reported $198K in total revenue in fiscal year 2023. Revenue decreased 9% compared to the prior year.

Mission

PROVIDING EDUCATIONAL OPPORTUNITIES TO MEMBERS

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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 (2023)

Revenue Breakdown

Contributions & Grants $114,130

Program Service Revenue $82,244

Investment Income $637

Other Revenue $988

TOTAL REVENUE $197,999

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $61,290

Other Expenses $199,790

TOTAL EXPENSES $199,790

Year-over-Year Comparison

	2023	2022	Change
Revenue	$197,999	$216,640	-0.1%
Expenses	$199,790	$245,080	-0.2%
Net Income	$-1,791	$-28,440	-0.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREG CROOK	DIRECTOR	0.50	Director	$0	$0	$0
ANDY ASBURY	DIRECTOR	0.50	Director	$0	$0	$0
CHIP ASBURY	DIRECTOR	0.50	Director	$0	$0	$0
CODY PEARSON	DIRECTOR	0.50	Director	$0	$0	$0
VIC BARR	DIRECTOR	0.50	Director	$0	$0	$0
JAN COBB	PAST PRESIDENT	0.50	Director	$0	$0	$0
BRYAN OLIVER	DIRECTOR	0.50	Director	$0	$0	$0
MIRANDA PRICE	ASSOCIATE DIRECTOR	0.50	Director	$0	$0	$0
DAVID MINICK	DIRECTOR	0.50	Director	$0	$0	$0
LEON PARRISH	DIRECTOR	0.50	Director	$0	$0	$0
MIKE WHITAKER	DIRECTOR	0.50	Director	$0	$0	$0
CHIP VERCELLI	DIRECTOR	0.50	Director	$0	$0	$0
LOCK KYLE	ASSOCIATE DIRECTOR	0.50	Director	$0	$0	$0
RACHEL FRANCO	DIRECTOR	0.50	Director	$0	$0	$0
JUSTIN BURKE	DIRECTOR	0.50	Director	$0	$0	$0
DAN WALTERS	DIRECTOR	0.50	Director	$0	$0	$0
EVERETT HOWARD	DIRECTOR	0.50	Director	$0	$0	$0
DOUG MCDANIEL	DIRECTOR	0.50	Director	$0	$0	$0
JOE NUNNALLY	DIRECTOR	0.50	Director	$0	$0	$0
QUINTEN BATES	DIRECTOR	0.50	Director	$0	$0	$0
BRIAN FLETCHER	DIRECTOR	0.50	Director	$0	$0	$0
JOE SCHUEBERT	SECOND VICE PRESIDENT	1.00	Director	$0	$0	$0
STERLING THORNTON	PAST PRESIDENT	0.50	Officer Director	$0	$0	$0
DUANE DAVIS	PRESIDENT	2.00	Officer Director	$0	$0	$0
JEB SMITH	FIRST VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DAN JETER	SECRETARY TREASURER	2.00	Officer 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	No data	No data	No data	No data
2023	$197,999	$199,790	$64,504	$-1,791
2022	$216,640	$245,080	$55,287	$-28,440
2021	$199,859	$223,094	$113,349	$-23,235
2020	$128,809	$174,467	$145,882	$-45,658
2019	$250,030	$252,370	$163,074	$-2,340
2018	$279,852	$260,962	$153,400	$18,890

GEORGIA INSTALLMENT LENDERS ASSOCIATION