Texas Consumer Finance Association

EIN: 751962487

Austin, TX

Total Revenue
$401,694
Total Expenses
$389,535
Total Assets
$616,423
Net Assets
$616,423
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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
TX
Principal Officer
Nancy Shields
Phone
5124292797
Tax Period
2025-01-01 to 2025-12-31

Texas Consumer Finance Association, founded in 1995, is a small nonprofit that reported $402K in total revenue in fiscal year 2025. Revenue decreased 7% compared to the prior year. Expenses of $390K left a modest 3% surplus.

Mission

Promote ethics in the industry.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $246,970
Program Service Revenue $135,891
Investment Income $18,833
Other Revenue $0
TOTAL REVENUE $401,694

Expense Breakdown

Grants Paid $0
Salaries & Benefits $0
Fundraising Expenses $0
Program Expenses $216,212
Other Expenses $389,535
TOTAL EXPENSES $389,535

Year-over-Year Comparison

2025 2024 Change
Revenue $401,694 $433,493 -0.1%
Expenses $389,535 $361,769 +0.1%
Net Income $12,159 $71,724 -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

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Governance

Voting Members
35
Independent Members
35
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
6
$0
Total Directors
29
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Jason Buddin Chairman of the Board 001.00
Director
$0 $0 $0
Drew Adkins Director 000.50
Director
$0 $0 $0
David Bell Director 000.50
Director
$0 $0 $0
Scott Bixel Director 000.50
Director
$0 $0 $0
Adrienne Buddin Director 000.50
Director
$0 $0 $0
Doug Clark Director 000.50
Director
$0 $0 $0
Brad Davis Director 000.50
Director
$0 $0 $0
John Draude Director 000.50
Director
$0 $0 $0
Brandon Ferguson Director 000.50
Director
$0 $0 $0
Jake Gaddy Director 000.50
Director
$0 $0 $0
Rosalinda Garcia Director 000.50
Director
$0 $0 $0
Dale Gray Director 000.50
Director
$0 $0 $0
Daniel Lopez Director 000.50
Director
$0 $0 $0
Scott Marr Director 000.50
Director
$0 $0 $0
Rochelle McClanahan Director 000.50
Director
$0 $0 $0
John Martinez Director 000.50
Director
$0 $0 $0
Nelida Monjaras Director 000.50
Director
$0 $0 $0
Lee Moore Director 000.50
Director
$0 $0 $0
Lauren Munoz Director 000.50
Director
$0 $0 $0
Rob Robinson Director 000.50
Director
$0 $0 $0
Al Sanchex Director 000.50
Director
$0 $0 $0
Tracy Sandin Director 000.50
Director
$0 $0 $0
Mark Silence Director 000.50
Director
$0 $0 $0
Ben Strickland Director 000.50
Director
$0 $0 $0
Jeff Tinney Director 000.50
Director
$0 $0 $0
Curtis Stockton III Director 000.50
Director
$0 $0 $0
Apollo Corona Director 000.50
Director
$0 $0 $0
David Korn Director 000.50
Director
$0 $0 $0
William V Lemens Director 000.50
Director
$0 $0 $0
Cathy Hirt President 001.00
Officer
$0 $0 $0
Mark Kuneman First Vice President 000.50
Officer
$0 $0 $0
Jaime Parra Jr Second Vice President 000.50
Officer
$0 $0 $0
Linda Meza Secretary 000.50
Officer
$0 $0 $0
Tom Hudgins Treasurer 000.50
Officer
$0 $0 $0
Steven Bixel Executive Vice Pres. 000.50
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 $401,694 $389,535 $616,423 $12,159
2024 $433,493 $361,769 $604,264 $71,724
2023 $386,030 $341,918 $532,540 $44,112
2022 $303,635 $292,099 $490,948 $11,536
2021 $293,498 $278,579 $480,132 $14,919
2020 $199,220 $250,232 $462,333 $-51,012
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