NEBRASKANS FOR RESPONSIBLE LENDING

EIN: 842988349

OMAHA, NE

Total Revenue
$2,255,730
Total Expenses
$2,431,987
Total Assets
$32,738
Net Assets
$32,738
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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
NE
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.

Program Service Accomplishments

Program 1
Expenses: $2,369,200 Revenue: $2,255,704

SECURING SIGNATURES FOR THE PETITION TO PUT THE INITIATIVE TO LOWER PAYDAY LOAN RATES ON THE BALLOT

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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 (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

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Governance

Voting Members
4
Independent Members
4
Employees
1
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
4
$14,000
Total Directors
4
$14,000
Key Employees
0
$0
Highest Compensated
0
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
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