NATIONAL ASSOCIATION OF CHAPTER 13 TRUSTEES (EIN 680164491) - 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

1965

Legal Domicile

Principal Officer

COURTNEY WALDRUP

Phone

8032525646

Tax Period

2024-10-01 to 2025-09-30

NATIONAL ASSOCIATION OF CHAPTER 13 TRUSTEES, founded in 1965, is a community nonprofit that reported $1.5M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $1.7M exceeded revenue, resulting in a 11% operating deficit.

Mission

MUTUAL EXCHANGE OF INFORMATION BETWEEN CHAPTER 13 TRUSTEES CONCERNING THEIR PROBLEMS AND NEEDS POLICY FORMULATION, PROCEDURE DEVELOPMENT, PUBLICATIONS

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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 $133,400

Program Service Revenue $38,650

Investment Income $5,224

Other Revenue $1,321,753

TOTAL REVENUE $1,499,027

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,666,883

TOTAL EXPENSES $1,666,883

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,499,027	$1,363,916	+0.1%
Expenses	$1,666,883	$1,619,918	+0.0%
Net Income	$-167,856	$-256,002	-0.3%

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
LON JENKINS	PRESIDENT	2.00	Officer Director	$0	$0	$0
GREGORY A BURRELL	PRESIDENT ELECT	2.00	Officer Director	$0	$0	$0
MELISSA DAVEY	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
JASON WILSON-AGUILAR	SECRETARY	2.00	Officer Director	$0	$0	$0
TIFFANY CORNEJO	TREASURER	2.00	Officer Director	$0	$0	$0
MARK MCCARTY	BOARD MEMBER	2.00	Director	$0	$0	$0
DIANA DAUGHERTY	BOARD MEMBER	2.00	Director	$0	$0	$0
KRISTA PREUSS	BOARD MEMBER	2.00	Director	$0	$0	$0
DYNELE L SCHINKER-KAURICH	BOARD MEMBER	2.00	Director	$0	$0	$0
LINDA B GORE	ADVISORY BOARD	2.00	Director	$0	$0	$0
KRISPEN S CAROLL	ADVISORY BOARD	2.00	Director	$0	$0	$0
RUSSELL C SIMON	ADVISORY BOARD	2.00	Director	$0	$0	$0
MARY K VIEGELAHN	ADVISORY BOARD	2.00	Director	$0	$0	$0
TIFFANY CORNEJO	QUARTERLY EDITOR/ADVISORY	2.00	Director	$0	$0	$0
COURTNEY WALDRUP	EXECUTIVE DIRECTOR	0.00	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	$1,499,027	$1,666,883	$238,533	$-167,856
2024	$1,363,916	$1,619,918	$380,850	$-256,002
2023	$1,390,512	$1,583,882	$641,673	$-193,370
2022	$1,212,204	$1,630,679	$849,459	$-418,475
2021	$1,089,182	$720,313	$1,214,472	$368,869
2020	$1,136,513	$660,580	$848,893	$475,933
2019	$1,471,253	$1,434,182	$437,207	$37,071
2018	$1,436,627	$1,510,706	$342,545	$-74,079

NATIONAL ASSOCIATION OF CHAPTER 13 TRUSTEES