NEBRASKANS FOR RESPONSIBLE LENDING (EIN 842988349) - 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

Principal Officer

JESSICA LATHROP

Phone

4026777355

Tax Period

2020-01-01 to 2020-12-31

NEBRASKANS FOR RESPONSIBLE LENDING, founded in 2019, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2020. Revenue surged 132% from the prior year, signaling strong growth momentum.

Mission

NEBRASKANS FOR RESPONSIBLE LENDING IS A COALITION OF ORGANIZATIONS AND INDIVIDUALS THAT ARE STANDING WITH NEBRASKA FAMILIES TO STOP THE PREDATORY PAYDAY LENDING DEBT TRAPS.

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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 (2020)

Revenue Breakdown

Contributions & Grants $2,255,730

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $2,255,730

Expense Breakdown

Grants Paid $0

Salaries & Benefits $48,851

Fundraising Expenses $0

Program Expenses $2,369,200

Other Expenses $2,383,136

TOTAL EXPENSES $2,431,987

Year-over-Year Comparison

	2020	2019	Change
Revenue	$2,255,730	$972,000	+1.3%
Expenses	$2,431,987	$763,005	+2.2%
Net Income	$-176,257	$208,995	-1.8%

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

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

$14,000

Total Directors

$14,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALBERT DAVIS III	PRESIDENT	1.00	Officer Director	$0	$0	$0
THOMAS A WAGONER JR	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
FATHER DAMIAN ZUERLIN	SECRETARY	1.00	Officer Director	$0	$0	$0
JESSICA LATHROP	TREASURER	1.00	Officer Director	$14,000	$0	$14,000

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
2020	$2,255,730	$2,431,987	$32,738	$-176,257
2019	$972,000	$763,005	$208,995	$208,995

NEBRASKANS FOR RESPONSIBLE LENDING