Civic Intelligence

Business Credit Management Association Inc

EIN 39-0475235 • 501(c)6 • New Berlin, WI

Profile

Professional Trade Association offering education and accreditation to its members.

Refreshing map…

15755 W Rogers DrNew Berlin, WI 53151-2200
Siviq Scores

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

Liabilities / Assets

67th percentile

0.04x

Higher debt load relative to assets than 67% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

96th percentile

0.76x

Higher debt load relative to revenue than 96% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Net Margin

62nd percentile

6.3%

Higher net margin than 62% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

52nd percentile

-0.4%

Faster asset growth than 52% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

86th percentile

36%

Faster revenue growth than 86% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets67th percentile

Assets

Down

$48,492

Down $191 (-0.4%) from 2024

Liabilities

Down

$1,900

Down $350 (-16%) from 2024

Net Assets

$46,592

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue96th percentileNet Margin62nd percentile

Revenue

Up

$2,509

Up $659 (+36%) from 2024

Expenses

Up

$2,350

Up $325 (+16%) from 2024

Net Income

Up

$159

Up $334 (+191%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth52nd percentile

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

$60K$40K$20K$0Assets 2012: $44,175Liabilities 2012: $02012Assets 2013: $45,594Liabilities 2013: $02013Assets 2014: $46,478Liabilities 2014: $02014Assets 2015: $47,234Liabilities 2015: $02015Assets 2016: $48,033Liabilities 2016: $02016Assets 2017: $45,934Liabilities 2017: $02017Assets 2018: $45,934Liabilities 2018: $02018Assets 2019: $46,455Liabilities 2019: $02019Assets 2020: $45,659Liabilities 2020: $02020Assets 2021: $48,309Liabilities 2021: $1,5002021Assets 2022: $48,667Liabilities 2022: $2,250Net Assets 2022: $46,4172022Assets 2023: $48,858Liabilities 2023: $2,250Net Assets 2023: $46,6082023Assets 2024: $48,683Liabilities 2024: $2,2502024Assets 2025: $48,492Liabilities 2025: $1,900Net Assets 2025: $46,5922025

Highlighted filing

2025

Assets$48,492
Liabilities$1,900
Net Assets$46,592
Open 2025 Filing

Operations Trend

Revenue Growth86th percentile

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

$6.0K$4.0K$2.0K$0-$2.0K-$4.0KRevenue 2012: $4,138Expenses 2012: $2,890Net Income 2012: $1,2482012Revenue 2013: $4,017Expenses 2013: $2,598Net Income 2013: $1,4192013Revenue 2014: $3,574Expenses 2014: $2,690Net Income 2014: $8842014Revenue 2015: $3,555Expenses 2015: $2,799Net Income 2015: $7562015Revenue 2016: $3,701Expenses 2016: $2,902Net Income 2016: $7992016Revenue 2017: $3,262Expenses 2017: $5,361Net Income 2017: -$2,0992017Revenue 2018: $3,104Expenses 2018: $3,104Net Income 2018: $02018Revenue 2019: $2,668Expenses 2019: $2,147Net Income 2019: $5212019Revenue 2020: $2,614Expenses 2020: $3,410Net Income 2020: -$7962020Revenue 2021: $2,709Expenses 2021: $1,559Net Income 2021: $1,1502021Revenue 2022: $2,118Expenses 2022: $2,510Net Income 2022: -$3922022Revenue 2023: $1,941Expenses 2023: $1,750Net Income 2023: $1912023Revenue 2024: $1,850Expenses 2024: $2,025Net Income 2024: -$1752024Revenue 2025: $2,509Expenses 2025: $2,350Net Income 2025: $1592025

Highlighted filing

2025

Revenue$2,509
Expenses$2,350
Net Income$159
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$48,492
Liabilities
$1,900
Net assets
$46,592
Revenue
$2,509
Expenses
$2,350
Net income
$159
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$48.5$1.90$46.6$2.51$2.35$0.16
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$48.7$2.25$1.85$2.03$0.18
2023Detailed filing. Detailed filing data is available for this year.$48.9$2.25$46.6$1.94$1.75$0.19
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$48.7$2.25$46.4$2.12$2.51$0.39
2021Summary only. Only limited summary data is available for this year.$48.3$1.50$2.71$1.56$1.15
2020Summary only. Only limited summary data is available for this year.$45.7$0.00$2.61$3.41$0.80
2019Summary only. Only limited summary data is available for this year.$46.5$0.00$2.67$2.15$0.52
2018Summary only. Only limited summary data is available for this year.$45.9$0.00$3.10$3.10$0.00
2017Summary only. Only limited summary data is available for this year.$45.9$0.00$3.26$5.36$2.10
2016Summary only. Only limited summary data is available for this year.$48.0$0.00$3.70$2.90$0.80
2015Summary only. Only limited summary data is available for this year.$47.2$0.00$3.56$2.80$0.76
2014Summary only. Only limited summary data is available for this year.$46.5$0.00$3.57$2.69$0.88
2013Summary only. Only limited summary data is available for this year.$45.6$0.00$4.02$2.60$1.42
2012Summary only. Only limited summary data is available for this year.$44.2$0.00$4.14$2.89$1.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
May 1, 2024 to Apr 30, 2025
Signed
Jul 17, 2025
Return Version
2024v5.1
Gross Receipts
$2,509
Mission and Program Overview

Mission

Professional Trade Association offering education and accreditation to its members.

Program Services

DescriptionGrantsExpenses
Professional Education$0$0
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Wayne CrosbyChairman-$0--
Darryl RowinskiSec Treasurer-$0--
Penny ConatyChairperson Elect-$0--
Stu SturzlBod-$0--
Barry ElnsBod-$0--
Filing and Contact Details

Filer

Filer Name
Business Credit Management Association
EIN
39-0475235
In Care Of
% Darryl Rowinski
Address
15755 W ROGERS DR, NEW BERLIN, WI 53151-2200

Signing Officer

Name
Darryl Rowinski
Title
Secretary Treasurer
Signed
2025-07-17
Supplemental Narrative

Additional Explanations

Part II, line 24

“| Explanation:, BOYAmount:, EOYAmount:| Other assets, $1851, $4508|”

Part II, line 26

“| Explanation:, BOYAmount:, EOYAmount:| Other liabilities, $2250, $1900|”

Raw XML Appendix125 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/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BenefitsPaidToOrForMembersAmt02350
IRS990EZ/BooksInCareOfDetail/PersonNm0DM Rowinski
IRS990EZ/BooksInCareOfDetail/PhoneNum02628272880
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt015755 W Rogers Dr
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine2Txt0Ste 200
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0New Berlin
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd053151
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt046832
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt043984
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt00
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0159
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt00
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt048683
IRS990EZ/Form990TotalAssetsGrp/EOYAmt048492
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt02509
IRS990EZ/GrossSalesOfInventoryAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt02509
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt046433
IRS990EZ/NetAssetsOrFundBalancesEOYAmt046592
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt046433
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt046592
IRS990EZ/OccupancyRentUtltsAndMaintAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Wayne Crosby
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Darryl Rowinski
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Penny Conaty
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Stu Sturzl
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Barry Elns
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Chairman
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Sec Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Chairperson Elect
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3BOD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4BOD
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt01851
IRS990EZ/OtherAssetsTotalDetail/EOYAmt04508
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Professional Trade Association offering education and accreditation to its members.
IRS990EZ/PrintingPublicationsPostageAmt00
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Professional Education
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt00
IRS990EZ/SaleOfAssetsGrossAmt00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0WI
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt02250
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt01900
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt02350
IRS990EZ/TotalRevenueAmt02509
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0| Explanation:, BOYAmount:, EOYAmount:| Other assets, $1851, $4508|
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1| Explanation:, BOYAmount:, EOYAmount:| Other liabilities, $2250, $1900|
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part II, line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part II, line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Darryl Rowinski
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Secretary Treasurer
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-07-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BUSINESS CREDIT MANAGEMENT ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0BUSI
ReturnHeader/Filer/EIN0390475235
ReturnHeader/Filer/ForeignPhoneNum02628272880
ReturnHeader/Filer/InCareOfNm0% Darryl Rowinski
ReturnHeader/Filer/USAddress/AddressLine1Txt015755 W ROGERS DR
ReturnHeader/Filer/USAddress/CityNm0NEW BERLIN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd0531512200
ReturnHeader/ReturnTs02025-07-16T16:10:20-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-05-01
ReturnHeader/TaxPeriodEndDt02025-04-30
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)6 • <$500k nonprofits