CALIFORNIA ASSOCIATION OF COLLECTORS INC (EIN 951461049) - 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

1917

Legal Domicile

Principal Officer

TAMMY SCHOENBERG

Phone

9169292125

Tax Period

2024-01-01 to 2024-12-31

CALIFORNIA ASSOCIATION OF COLLECTORS INC, founded in 1917, is a small nonprofit in the Community Improvement sector that reported $368K in total revenue in fiscal year 2024. Revenue decreased 16% compared to the prior year. Expenses of $350K left a modest 5% surplus.

Mission

CALIFORNIA ASSOCIATION OF COLLECTORS (CAC) IS THE TRADE ASSOCIATION FOR THE DEBT COLLECTION INDUSTRY IN CALIFORNIA. CAC PROVIDES LEGISLATIVE ADVOCACY, LEADERSHIP DEVELOPMENT, EDUCATION AND PUBLIC RELATIONS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $301,788

Program Service Revenue $50,826

Investment Income $1,128

Other Revenue $14,032

TOTAL REVENUE $367,774

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $350,278

TOTAL EXPENSES $350,278

Year-over-Year Comparison

	2024	2023	Change
Revenue	$367,774	$436,224	-0.2%
Expenses	$350,278	$305,906	+0.1%
Net Income	$17,496	$130,318	-0.9%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TOM GRIFFIN	GENERAL COUNSEL	1.00	Director	$0	$0	$0
KIMBERLEY HUNTINGTON	EXECUTIVE DIRECTOR	1.00	Officer Director	$0	$0	$0
SHAWN SUHR	TREASURER	1.00	Officer Director	$0	$0	$0
FREDERIK MINTON	VICE PRESIDENT /SECRETARY	1.00	Officer Director	$0	$0	$0
MARYROSE DIAZ	PRESIDENT	1.00	Officer Director	$0	$0	$0
CINDY YAKLIN	DIRECTOR	1.00	Director	$0	$0	$0
CLIFF BERG	LEGISLATIVE ADVOCATE	1.00	Director	$0	$0	$0
MELISSA CORTEZ	LEGISLATIVE ADVOCATE	1.00	Director	$0	$0	$0
TAMMY SCHOENBERG	DIRECTOR OF ASSOCIATION SERVICES	20.00	Director	$0	$0	$0
STEVE ERNST	DIRECTOR	1.00	Director	$0	$0	$0
BOB KEITH	LEGISLATIVE ADVOCATE	1.00	Officer Director	$0	$0	$0
SYNTHEIA NAGEL	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS SCHUMACHER	IMMEDIATE PAST PRESIDENT	1.00	Director	$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	$367,774	$350,278	$404,980	$17,496
2023	$436,224	$305,906	$341,516	$130,318
2022	$292,350	$313,593	$268,966	$-21,243
2021	$316,035	$380,873	$362,573	$-64,838
2020	$305,416	$372,680	$413,189	$-67,264
2019	$400,812	$420,100	$452,989	$-19,288
2018	$367,120	$379,412	$455,006	$-12,292

CALIFORNIA ASSOCIATION OF COLLECTORS INC