NATIONAL ASSOCIATION OF BANKRUPTCY TRUSTEES (EIN 942838687) - 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

1981

Legal Domicile

Principal Officer

JENNIFER BRINKLEY

Phone

6782696566

Tax Period

2023-01-01 to 2023-12-31

NATIONAL ASSOCIATION OF BANKRUPTCY TRUSTEES, founded in 1981, is a small nonprofit that reported $963K in total revenue in fiscal year 2023. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $1.2M exceeded revenue, resulting in a 20% operating deficit.

Mission

TO PROMOTE THE INTEREST AND WELFARE OF THE ORGANIZATION AND ITS MEMBERS.

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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 $961,657

Investment Income $1,240

Other Revenue $0

TOTAL REVENUE $962,897

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,152,211

TOTAL EXPENSES $1,152,211

Year-over-Year Comparison

	2023	2022	Change
Revenue	$962,897	$798,822	+0.2%
Expenses	$1,152,211	$720,592	+0.6%
Net Income	$-189,314	$78,230	-3.4%

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

132

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
GARY SEITZ	IMM PAST PRESIDENT	2.00	Officer Director	$0	$0	$0
MARC ALBERT	PRESIDENT	5.00	Officer Director	$0	$0	$0
RUSS GARRETT	PRESIDENT-ELECT	5.00	Officer Director	$0	$0	$0
JANET NORTHRUP	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES PERSING	TREASURER	5.00	Officer Director	$0	$0	$0
WENDY OWENS	DIRECTOR	1.00	Director	$0	$0	$0
RYAN RICHMOND	DIRECTOR	2.00	Director	$0	$0	$0
JOHN BIRCHER	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT BROWN	DIRECTOR	1.00	Director	$0	$0	$0
LYNDA BUI	SECRETARY	1.00	Officer Director	$0	$0	$0
ANDREA DOBIN	DIRECTOR	5.00	Director	$0	$0	$0
DAVID MAWHINNEY	DIRECTOR	1.00	Director	$0	$0	$0
JASON PETTIE	DIRECTOR	1.00	Director	$0	$0	$0
JOLENE WEE	DIRECTOR	1.00	Director	$0	$0	$0
STEVE WEISS	VICE PRESEIDENT	1.00	Officer Director	$0	$0	$0
JENNIFER BRINKLEY	EXEC DIRECTOR	40.00	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
2024	No data	No data	No data	No data
2023	$962,897	$1,152,211	$550,512	$-189,314
2022	$798,822	$720,592	$779,760	$78,230

NATIONAL ASSOCIATION OF BANKRUPTCY TRUSTEES