Liabilities / Assets
57th percentile
Higher debt load relative to assets than 57% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.01x
Liabilities / Revenue
58th percentile
Higher debt load relative to revenue than 58% of similar nonprofits.
Net Margin
21st percentile
Higher net margin than 21% 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
17th percentile
Faster asset growth than 17% of similar nonprofits.
Revenue Growth
31st percentile
Faster revenue growth than 31% of similar nonprofits.
Balance Sheet
Assets
Down$49,032
Down $12,015 (-20%) from 2015
Net Assets
Down$48,732
Down $9,540 (-16%) from 2015
Liabilities
Down$300
Down $2,475 (-89%) from 2015
Revenue And Expenses
Revenue
Down$77,360
Down $7,355 (-8.7%) from 2015
Expenses
Down$86,900
Down $9,195 (-9.6%) from 2015
Net Income
Up-$9,540
Up $1,840 (+16%) from 2015
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2016 to Dec 31, 2016
- Signed
- Sep 19, 2017
- Return Version
- 2016v3.1
- Gross Receipts
- $77,360
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 Down | Secretary/Treasurer | PT | $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
- Adam Endsley
- Title
- President
- Phone
- 2166963225
- Signed
- 2017-09-19
- 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:61518”
Form 990EZ Part I Line 16
“Description:INSURANCE Amount:836”
Form 990EZ Part I Line 16
“Description:ADMINISTRATIVE EXPENSE Amount:18047”
Form 990EZ Part I Line 16
“Description:CONVENTION EXPENSE Amount:4430”
Raw XML Appendix123 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 | 60822 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 46839 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 15500 |
| IRS990EZ/CostOfGoodsSoldAmt | 0 | 0 |
| IRS990EZ/CostOrOtherBasisExpenseSaleAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | -9540 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 750 |
| IRS990EZ/FiledScheduleAInd | 0 | false |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 61047 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 49032 |
| IRS990EZ/GainOrLossFromSaleOfAssetsAmt | 0 | 0 |
| IRS990EZ/GrossProfitLossSlsOfInvntryAmt | 0 | 0 |
| IRS990EZ/GrossReceiptsAmt | 0 | 77360 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/LandAndBuildingsGrp/BOYAmt | 0 | 0 |
| IRS990EZ/LandAndBuildingsGrp/EOYAmt | 0 | 0 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MembershipDuesAmt | 0 | 3395 |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 58272 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 48732 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 58272 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 48732 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 1223 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 5.0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 5.0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 5.0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | Adam Endsley |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | Tracy Down |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | John Wenzinger |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | Vice President |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | Secretary/treasurer |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | President |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 225 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 2193 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 84831 |
| 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 | 96 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 58465 |
| 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 | 2775 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 300 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 86900 |
| IRS990EZ/TotalRevenueAmt | 0 | 77360 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Description:PROGRAM EXPENSES Amount:61518 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Description:INSURANCE Amount:836 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Description:ADMINISTRATIVE EXPENSE Amount:18047 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Description:CONVENTION EXPENSE Amount:4430 |
| 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 | ADAM ENDSLEY |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | President |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2166963225 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2017-09-19 |
| 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/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | D550654E17B6B49E8280C6B99292253F76C3351D |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | 00B50CBEBBB9381FE5BF03D16AA7A5FCCB5075A6 |
| ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId | 0 | 34122420172635000000 |
| ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt | 0 | 2017-09-20 |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 68.171.14.4 |
| 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 | 2017-09-12 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Joseph C Sbrocco CPA |
| ReturnHeader/ReturnTs | 0 | 2017-09-20T09:20:22-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2016-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2016-12-31 |
| ReturnHeader/TaxYr | 0 | 2016 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2016 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $49,032
- Liabilities
- $300
- Net assets
- $48,732
- Revenue
- $77,360
- Expenses
- $86,900
- Net income
- -$9,540