Liabilities / Assets
70th percentile
Higher debt load relative to assets than 70% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.05x
Liabilities / Revenue
71st percentile
Higher debt load relative to revenue than 71% of similar nonprofits.
Net Margin
16th percentile
Higher net margin than 16% of similar nonprofits.
Top Officer Pay
77th percentile
Higher top officer pay than 77% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
20th percentile
Faster asset growth than 20% of similar nonprofits.
Revenue Growth
29th percentile
Faster revenue growth than 29% of similar nonprofits.
Balance Sheet
Assets
Down$61,047
Down $10,325 (-14%) from 2014
Net Assets
Down$58,272
Down $11,380 (-16%) from 2014
Liabilities
Up$2,775
Up $1,055 (+61%) from 2014
Revenue And Expenses
Revenue
Down$84,715
Down $7,426 (-8.1%) from 2014
Expenses
Up$96,095
Up $4,166 (+4.5%) from 2014
Net Income
Down-$11,380
Down $11,592 (-5468%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Nov 8, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $84,715
Mission and Program Overview
Mission
The objectives of the Association are
The objectives of the association are to provide through discussion and publication (i) a forum for the consideration of inter- and intra-industry ideas and opportunities (ii) to make available current information on legislation and court decisions relating to asset based financial services (iii) to improve legal and operational procedures employed by the industry (iv) to furnish to the general public information on the function and significance of the industry in the credit structure of the country (v) to encourage the association's members and their personnel in the performance of their social and community responsibilities and (vi) to promote through education the sound development of asset based financial services.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| HELD 5 MEETINGS, SEMINARS, AND EVENTS FOR INDUSTRY PROFESSIONALS AND ORGANIZATION'S MEMBERS TO PROMOTE INDUSTRY. | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Adam Endsley | Vice President | PT | $0 | - | - |
| Tracy Dowe | Secretary | PT | $0 | - | - |
| Andrew Blickensderfer | Past President | - | $0 | - | - |
| John Wenzinger | President | PT | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Commerical Finance Association
- EIN
- 20-1519455
- In Care Of
- % MJM SERVICES
- Phone
- 2166963225
- Address
- 1120 Chester Avenue Suite 470, Cleveland, OH 44114
Signing Officer
- Name
- John Wenzinger
- Title
- President
- Phone
- 2166963225
- Signed
- 2016-11-08
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Hw&co
- Address
- 23240 Chagrin Blvd Suite 700, Cleveland, OH 44122-5450
- Preparer
- Joseph C Sbrocco CPA
- Phone
- 2168311200
Supplemental Narrative
Additional Explanations
Form 990EZ Part I Line 16
“Description:PROGRAM EXPENSES Amount:72600”
Form 990EZ Part I Line 16
“Description:INSURANCE Amount:815”
Form 990EZ Part I Line 16
“Description:ADMINISTRATIVE EXPENSE Amount:19598”
Form 990EZ Part I Line 16
“Description:CONVENTION EXPENSE Amount:1021”
Raw XML Appendix119 raw XML fields
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | MJM SERVICES |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 2166963225 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1120 CHESTER AVENUE 470 |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | Cleveland |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 44114 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 71217 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 60822 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 15000 |
| IRS990EZ/CostOfGoodsSoldAmt | 0 | 0 |
| IRS990EZ/CostOrOtherBasisExpenseSaleAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | -11380 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 725 |
| IRS990EZ/FiledScheduleAInd | 0 | false |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 71372 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 61047 |
| IRS990EZ/GainOrLossFromSaleOfAssetsAmt | 0 | 0 |
| IRS990EZ/GrossProfitLossSlsOfInvntryAmt | 0 | 0 |
| IRS990EZ/GrossReceiptsAmt | 0 | 84715 |
| IRS990EZ/GrossReceiptsForPublicUseAmt | 0 | 0 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InitiationFeesAndCapContriAmt | 0 | 0 |
| IRS990EZ/LandAndBuildingsGrp/BOYAmt | 0 | 0 |
| IRS990EZ/LandAndBuildingsGrp/EOYAmt | 0 | 0 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MembershipDuesAmt | 0 | 3075 |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 69652 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 58272 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 69652 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 58272 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 1136 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 5.0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 5.0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 1.0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 5.0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | Adam Endsley |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | Tracy Dowe |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | Andrew Blickensderfer |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | John Wenzinger |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | Vice President |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | Secretary |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | Past President |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | President |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 155 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 225 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 94034 |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | THE OBJECTIVES OF THE ASSOCIATION ARE TO PROVIDE THROUGH DISCUSSION AND PUBLICATION (I) A FORUM FOR THE CONSIDERATION OF INTER- AND INTRA-INDUSTRY IDEAS AND OPPORTUNITIES (II) TO MAKE AVAILABLE CURRENT INFORMATION ON LEGISLATION AND COURT DECISIONS RELATING TO ASSET BASED FINANCIAL SERVICES (III) TO IMPROVE LEGAL AND OPERATIONAL PROCEDURES EMPLOYED BY THE INDUSTRY (IV) TO FURNISH TO THE GENERAL PUBLIC INFORMATION ON THE FUNCTION AND SIGNIFICANCE OF THE INDUSTRY IN THE CREDIT STRUCTURE OF THE COUNTRY (V) TO ENCOURAGE THE ASSOCIATION'S MEMBERS AND THEIR PERSONNEL IN THE PERFORMANCE OF THEIR SOCIAL AND COMMUNITY RESPONSIBILITIES AND (VI) TO PROMOTE THROUGH EDUCATION THE SOUND DEVELOPMENT OF ASSET BASED FINANCIAL SERVICES. |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 200 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 66640 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | HELD 5 MEETINGS, SEMINARS, AND EVENTS FOR INDUSTRY PROFESSIONALS AND ORGANIZATION'S MEMBERS TO PROMOTE INDUSTRY. |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 0 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SpecialEventsDirectExpensesAmt | 0 | 0 |
| IRS990EZ/SpecialEventsNetIncomeLossAmt | 0 | 0 |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 1720 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 2775 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 96095 |
| IRS990EZ/TotalRevenueAmt | 0 | 84715 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Description:PROGRAM EXPENSES Amount:72600 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Description:INSURANCE Amount:815 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Description:ADMINISTRATIVE EXPENSE Amount:19598 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Description:CONVENTION EXPENSE Amount:1021 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990EZ PART I LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990EZ PART I LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990EZ PART I LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990EZ PART I LINE 16 |
| ReturnHeader/BuildTS | 0 | 2017-02-10 21:41:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JOHN WENZINGER |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | President |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2166963225 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-11-08 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Commerical Finance Association |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | Ohio Regional Chapter Inc |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | COMM |
| ReturnHeader/Filer/EIN | 0 | 201519455 |
| ReturnHeader/Filer/InCareOfNm | 0 | % MJM SERVICES |
| ReturnHeader/Filer/PhoneNum | 0 | 2166963225 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 1120 Chester Avenue Suite 470 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | Cleveland |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | OH |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 44114 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | HW&CO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 23240 Chagrin Blvd Suite 700 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | Cleveland |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | OH |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 441225450 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2168311200 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2016-11-02 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Joseph C Sbrocco CPA |
| ReturnHeader/ReturnTs | 0 | 2016-11-08T13:12:11-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-12-31 |
| ReturnHeader/TaxYr | 0 | 2015 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $61,047
- Liabilities
- $2,775
- Net assets
- $58,272
- Revenue
- $84,715
- Expenses
- $96,095
- Net income
- -$11,380