American Association of Consumer Credit Professionals Inc (EIN 841839113) - 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

2019

Legal Domicile

Phone

8019945091

Tax Period

2023-01-01 to 2023-12-31

American Association of Consumer Credit Professionals Inc, founded in 2019, is a small nonprofit in the Public Safety sector that reported $890K in total revenue in fiscal year 2023. Revenue fell 21% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $262K, a strong 29% operating margin.

Mission

TO ADVANCE ITS MEMBERS' COMMON BUSINESS INTEREST IN THE CONSUMER CREDIT INDUSTRY INCLUDING BY PROMOTING A SUSTAINABLE CREDIT REPAIR MARKETPLACE & FAIR CREDIT REPORTING SYSTEM.

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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 $0

Program Service Revenue $888,880

Investment Income $939

Other Revenue $137

TOTAL REVENUE $889,956

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $627,596

TOTAL EXPENSES $627,596

Year-over-Year Comparison

	2023	2022	Change
Revenue	$889,956	$1,132,741	-0.2%
Expenses	$627,596	$973,643	-0.4%
Net Income	$262,360	$159,098	+0.6%

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

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
N/A	Director And Secretary/Treasurer	10.0	Officer Director	$0	$0	$0
N/A	President	2.0	Officer Director	$0	$0	$0
N/A	Vice President	2.0	Officer Director	$0	$0	$0
N/A	Director	1.0	Director	$0	$0	$0
N/A	Director	1.0	Director	$0	$0	$0
N/A	Director	1.0	Director	$0	$0	$0
N/A	Director	1.0	Director	$0	$0	$0
N/A	Executive Director	20.0	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	No data	No data	No data	No data
2023	$889,956	$627,596	$615,981	$262,360
2022	$1,132,741	$973,643	$333,215	$159,098
2021	$1,101,008	$1,199,966	$174,117	$-98,958
2020	$764,236	$491,161	$273,075	$273,075

American Association of Consumer Credit Professionals Inc