Civic Intelligence

The Virginia Creditor'S Bar Association

EIN 54-1568207 • 501(c)6 • Glen Allen, VA

Profile

Business League

10160 Staples Mill Road Suite 105Glen Allen, VA 23060

vcba.net

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2024

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2024

Net Margin

24th percentile

-18%

Higher net margin than 24% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

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 2024

Asset Growth

8th percentile

-100%

Faster asset growth than 8% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

45th percentile

-3.2%

Faster revenue growth than 45% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

$0

No earlier filing loaded for comparison.

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

$79,051

No earlier filing loaded for comparison.

Operations
Liabilities / RevenueScore unavailableNet Margin24th percentile

Revenue

$69,031

No earlier filing loaded for comparison.

Expenses

$81,141

No earlier filing loaded for comparison.

Net Income

-$12,110

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth8th percentile

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

$80K$60K$40K$20K$0Assets 2024: $0Net Assets 2024: $79,0512024

Highlighted filing

2024

Assets$0
Liabilities-
Net Assets$79,051
Open 2024 Filing

Operations Trend

Revenue Growth45th percentile

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

$100K$50K$0-$50KRevenue 2024: $69,031Expenses 2024: $81,141Net Income 2024: -$12,1102024

Highlighted filing

2024

Revenue$69,031
Expenses$81,141
Net Income-$12,110
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
-
Net assets
$79,051
Revenue
$69,031
Expenses
$81,141
Net income
-$12,110
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.00$79.1$69.0$81.1$12.1
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 1, 2025
Return Version
2024v5.1
Gross Receipts
$69,031
Mission and Program Overview

Mission

Business League

Program Services

DescriptionGrantsExpenses
We also hire a lobbyist to assist our membership in understanding, opposing or supporting, proposed laws-$40,640
Virginia Creditors Bar Association Annual Continued Legal Education Event. This event is to provide the mostup to date information on legal cases, laws, and statutory changes for our members.-$18,571
We host a website for our membership to discuss relevant topics, ask questions, and participate in discussionsurrounding relevant areas of law-$1,125
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer FischerPresident-$0--
C Daniel WatersVice President-$0--
-Secretary-$0--
David SpruillTreasurer-$0--
Reiss WilksDirector-$0--
Doug BleckiCentral Va Director-$0--
Connellee ArmentroutTidewater Director-$0--
Cynthia RevesmanNorthern Va Director-$0--
Carlene ElswickWestern Va Director-$0--
Filing and Contact Details

Filer

Filer Name
The Virginia Creditor's Bar Association
EIN
54-1568207
Phone
7579951111
Address
10160 Staples Mill Road Suite 105, Glen Allen, VA 23060

Signing Officer

Name
David Spruill
Title
Treasurer
Phone
7579951111
Signed
2025-05-01

Preparer

Firm
Chesapeake Tax Service
Address
909 SUMMERFIELD CRES, CHESAPEAKE, VA 23322
Preparer
Barbara Speight
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 16

“Merchant Fees 1487.”

Form 990EZ, Part I, Line 16

“Advertising Fees 361.”

Form 990EZ, Part I, Line 16

“Business Taxes & Licensing Fees 463.”

Form 990EZ, Part I, Line 16

“State Filing Fees”

Form 990EZ, Part I, Line 16

“Supplies 535.”

Form 990EZ, Part I, Line 16

“Other Expenses 9288.”

Form 990EZ, Part I, Line 16

“Facilities 4533.”

Raw XML Appendix158 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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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Boise
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0ID
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IRS990EZ/ContributionsGiftsGrantsEtcAmt019450
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IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
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IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/GroupExemptionNum00006
IRS990EZ/InfoInScheduleOPartIInd0X
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IRS990EZ/MembershipDuesAmt049581
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt02.00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt72.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt82.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt0Peter Heindel
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Jennifer Fischer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1C Daniel Waters
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2David Spruill
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Reiss Wilks
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Doug Blecki
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5Connellee Armentrout
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6Cynthia Revesman
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7Carlene Elswick
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Vice President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Central VA Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Tidewater Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7Northern VA Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8Western VA Director
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt016667
IRS990EZ/PrimaryExemptPurposeTxt0Business League
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Virginia Creditors Bar Association Annual Continued Legal Education Event. This event is to provide the mostup to date information on legal cases, laws, and statutory changes for our members.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1We also hire a lobbyist to assist our membership in understanding, opposing or supporting, proposed laws
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2We host a website for our membership to discuss relevant topics, ask questions, and participate in discussionsurrounding relevant areas of law
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt018571
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt140640
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt21125
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt081141
IRS990EZ/TotalProgramServiceExpensesAmt060336
IRS990EZ/TotalRevenueAmt069031
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0https://vcba.net/
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Merchant Fees 1487.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Advertising Fees 361.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Business Taxes & Licensing Fees 463.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3State Filing Fees
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Supplies 535.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Other Expenses 9288.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Facilities 4533.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990EZ, Part I, Line 16
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0David Spruill
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum07579951111
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0The Virginia Creditor's Bar Association
ReturnHeader/Filer/BusinessNameControlTxt0VIRG
ReturnHeader/Filer/EIN0541568207
ReturnHeader/Filer/PhoneNum07579951111
ReturnHeader/Filer/USAddress/AddressLine1Txt010160 Staples Mill Road Suite 105
ReturnHeader/Filer/USAddress/CityNm0Glen Allen
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VA
ReturnHeader/Filer/USAddress/ZIPCd023060
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CHESAPEAKE TAX SERVICE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0909 SUMMERFIELD CRES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHESAPEAKE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0VA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd023322
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Barbara Speight
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-05-01T20:13:36-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
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