Civic Intelligence

National Credit Reporting Association Inc

EIN 35-1877818 • 501(c)6 • Bloomingdale, IL

Profile

Trade association for credit reporting industry

PO Box 815Bloomingdale, IL 60108

www.ncrainc.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

25th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

26th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Net Margin

93rd percentile

35%

Higher net margin than 93% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

58th percentile

6.5%

Faster asset growth than 58% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2022 to 2024

Revenue Growth

35th percentile

0.5%

Faster revenue growth than 35% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets25th percentile

Assets

Up

$270,208

Up $163,207 (+153%) from 2023

Liabilities

Down

$0

Down $3,275 (-100%) from 2023

Net Assets

Up

$270,208

Up $166,482 (+161%) from 2023

Operations
Liabilities / Revenue26th percentileNet Margin93rd percentile

Revenue

Up

$477,183

Up $192,192 (+67%) from 2023

Expenses

Down

$311,550

Down $103,525 (-25%) from 2023

Net Income

Up

$165,633

Up $295,717 (+227%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800K$600K$400K$200K$0Assets 2010: $516,254Liabilities 2010: $0Net Assets 2010: $516,2542010Assets 2012: $620,000Liabilities 2012: $0Net Assets 2012: $620,0002012Assets 2021: $318,887Liabilities 2021: $773Net Assets 2021: $318,1142021Assets 2022: $238,386Liabilities 2022: $2,275Net Assets 2022: $236,1112022Assets 2023: $107,001Liabilities 2023: $3,275Net Assets 2023: $103,7262023Assets 2024: $270,208Liabilities 2024: $0Net Assets 2024: $270,2082024

Highlighted filing

2024

Assets$270,208
Liabilities$0
Net Assets$270,208
Open 2024 Filing

Operations Trend

Revenue Growth35th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0-$200KExpenses 2010: $434,2392010Expenses 2012: $369,4692012Revenue 2021: $397,096Expenses 2021: $570,364Net Income 2021: -$173,2682021Revenue 2022: $472,384Expenses 2022: $594,947Net Income 2022: -$122,5632022Revenue 2023: $284,991Expenses 2023: $415,075Net Income 2023: -$130,0842023Revenue 2024: $477,183Expenses 2024: $311,550Net Income 2024: $165,6332024

Highlighted filing

2024

Revenue$477,183
Expenses$311,550
Net Income$165,633
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$270,208
Liabilities
$0
Net assets
$270,208
Revenue
$477,183
Expenses
$311,550
Net income
$165,633
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.70$0.00$2.70$4.77$3.12$1.66
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.07$0.03$1.04$2.85$4.15$1.30
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.38$0.02$2.36$4.72$5.95$1.23
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.19$0.01$3.18$3.97$5.70$1.73
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.20$0.00$6.20$3.69
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.16$0.00$5.16$4.34
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Sep 21, 2023
Return Version
2022v5.0
Gross Receipts
$508,766
Mission and Program Overview

Mission

Trade association for credit reporting industry

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$231,955$149,357▼ $82,598
Land, Buildings, and Equipment, Net$85,561$89,475▲ $3,914
Receivables From Officers Etc$1,371$3,308▲ $1,937
Accounts Receivable-$-3,754-
Total Assets$318,887$238,386▼ $80,501
Liabilities
Accounts Payable and Accrued Expenses$773$2,275▲ $1,502
Total Liabilities$773$2,275▲ $1,502
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$318,114$236,111▼ $82,003
Total Net Assets Fund Balance$318,114$236,111▼ $82,003
Total Liabilities and Net Assets / Fund Balance$318,887$238,386▼ $80,501

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$86,328$79,272-
Equipment$3,147$45,608-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Terry ClemansExec DirectorFT$166,041$40,000$206,041
Terry Clemans--$166,041$40,000$206,041
Roy GoodwinEmployeeFT$55,000-$55,000
Lucy RamosEmployeeFT$38,000-$38,000

Board Members and Trustees

NameTitle
Delia ZunigaPresident
Debbie LyoningDirector
Heather Russell-schroederDirector
Jeannie BakerDirector
Jim NormanDirector
Kristi MergenhagenDirector
Lisa LegereDirector
Mary CampbellDirector
Mike BrownDirector
Mike ThomasDirector
Jeff GentryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$88,100
Program Service Revenue
$35,895
Investment Income
$52
Other Revenue
$348,337
All Other Contributions
$9,100
Change in Net Assets
$-122,563
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$384,714
Other Expenses$210,233
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$170,893$170,893$0$341,786
Fees for Services Legal$24,500$24,500$0$49,000
Conferences and Meetings$0$0$0$40,560
Office Expenses$12,835$12,835$0$25,670
Payroll Taxes$12,760$12,760$0$25,520
Occupancy$12,262$12,262$0$24,524
Travel$9,004$9,004$0$18,008
Other Employee Benefits$8,704$8,704$0$17,408
Advertising$5,138$5,138$0$10,276
Insurance$3,918$3,918$0$7,836
Depreciation Depletion$5,729$0$0$5,729
Other Expenses$36$36$0$72
Total Functional Expenses$280,058$274,329$0$594,947
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$114,281
Fundraising Direct Expenses$36,382
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,371$3,308▲ $1,937
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
National Credit Reporting Association Inc
EIN
35-1877818
Phone
6305391525
Address
PO BOX 815, BLOOMINGDALE, IL 60108

Signing Officer

Name
Terry Clemans
Title
Exec-director
Phone
6305391525
Signed
2023-09-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Terry Clemans
Formed
1992
Legal Domicile
Il
Voting Board Members
14
Independent Board Members
11
Employees
3
Volunteers
10

Preparer

Firm
Craig Shaffer & Associates Ltd
Address
2720 S RIVER ROAD, DES PLAINES, IL 60018
Preparer
Craig Shaffer
Phone
8472990200
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“DUES PAYING MEMBERS”

Pt VI, Line 7A

“BY VOTING”

Pt VI, Line 7B

“YES”

Pt VI, Line 11B

“BOARD MEETINGS”

Pt VI, Line 12C

“YES”

Pt VI, Line 15A

“BOARD OF DIRECTORS”

Pt VI, Line 15B

“BOARD OF DIRECTORS”

Raw XML AppendixShowing 400 of 458 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt4PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt110870
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt22089
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt336
IRS990/OtherExpensesGrp/ProgramServicesAmt01320
IRS990/OtherExpensesGrp/ProgramServicesAmt110870
IRS990/OtherExpensesGrp/ProgramServicesAmt22089
IRS990/OtherExpensesGrp/ProgramServicesAmt336
IRS990/OtherExpensesGrp/TotalAmt02640
IRS990/OtherExpensesGrp/TotalAmt121740
IRS990/OtherExpensesGrp/TotalAmt24178
IRS990/OtherExpensesGrp/TotalAmt372
IRS990/OtherRevenueTotalAmt00
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt012760
IRS990/PayrollTaxesGrp/ProgramServicesAmt012760
IRS990/PayrollTaxesGrp/TotalAmt025520
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0TERRY CLEMANS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0611430
IRS990/ProgramServiceRevenueGrp/BusinessCd1611430
IRS990/ProgramServiceRevenueGrp/Desc0EXPERIAN PROJECT
IRS990/ProgramServiceRevenueGrp/Desc1ATF RESELLER
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt031165
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14730
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0310039
IRS990/PYInvestmentIncomeAmt05173
IRS990/PYOtherExpensesAmt0162918
IRS990/PYOtherRevenueAmt081884
IRS990/PYRevenuesLessExpensesAmt0-173268
IRS990/PYSalariesCompEmpBnftPaidAmt0407446
IRS990/PYTotalExpensesAmt0570364
IRS990/PYTotalRevenueAmt0397096
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01371
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt03308
IRS990/ReconcilationRevenueExpnssAmt0-122563
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt0270438
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt0270438
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt03147
IRS990ScheduleD/EquipmentGrp/DepreciationAmt045608
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt048755
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt086328
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt079272
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0165600
IRS990ScheduleD/TotalBookValueLandBuildingsAmt089475
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0166041
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt040000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TERRY CLEMANS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0206041
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03308
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0MISC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt05180
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0TERRY CLEMANS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0EXEC DIR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0false
IRS990ScheduleL/TotalBalanceDueAmt03308
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DUES PAYING MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BY VOTING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2YES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD MEETINGS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4YES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 15b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IL
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0318887
IRS990/TotalAssetsEOYAmt0238386
IRS990/TotalAssetsGrp/BOYAmt0318887
IRS990/TotalAssetsGrp/EOYAmt0238386
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt088100
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0274329
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0280058
IRS990/TotalFunctionalExpensesGrp/TotalAmt0594947
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0773
IRS990/TotalLiabilitiesEOYAmt02275
IRS990/TotalLiabilitiesGrp/BOYAmt0773
IRS990/TotalLiabilitiesGrp/EOYAmt02275
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0318114
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0236111
IRS990/TotalOtherCompensationAmt040000
IRS990/TotalProgramServiceRevenueAmt035895

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