Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
EIN 54-6045009 • 501(c)6 • Albany, NY
Profile
To serve the consumer credit public
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.
Net Margin
61st percentile
Higher net margin than 61% 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
26th percentile
Faster asset growth than 26% of similar nonprofits.
Revenue Growth
61st percentile
Faster revenue growth than 61% of similar nonprofits.
Assets
Down$136,613
Down $35,261 (-21%) from 2024
Liabilities
-
No earlier filing loaded for comparison.
Net Assets
$136,613
No earlier filing loaded for comparison.
Revenue
Up$185,500
Up $10,644 (+6.1%) from 2024
Expenses
Down$174,468
Down $418 (-0.2%) from 2024
Net Income
Up$11,032
Up $11,062 (+36873%) from 2024
Most recent year
2025 • Form 990EZXML pending. An XML filing is linked for this year, but detailed extraction is still pending.
The latest 2025 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2023 below.
To improve the supervision of nondepository financial regulation, including consumer finance companies, and to facilitate the administration of laws governing these companies. This includes providing a forum for the exchange of information among its members and educating the public.
To serve the consumer credit public
| Description | Grants | Expenses |
|---|---|---|
| PARTICIPATE IN PROGRAMS WITH CONSUMER CREDIT INDUSTRYPERSONNEL REGARDING LENDING PRACTICES AND HOLD ANNUALBUSINESS MEETINGS AND ELECT OFFICERS YEARLY 80-90 MEMBERS ATTEND | - | $56,913 |
| PROVIDE EDUCATIONAL CLASSES ON CONSUMER CREDIT MORTGAGELOANS AND OTHER TOPICS TO OVER 100 STATE AND FEDERALINSTITUTION EXAMINERS | - | $40,114 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| NEAL MONAGHAN | President | - | $0 | - | - |
| MARK HASTIE | First Vice President | - | $0 | - | - |
| JIM COPELAND | Second Vice President | - | $0 | - | - |
| MATTHEW NANCE | Secretary-Treasurer | - | $0 | - | - |
| ZAK HINGST | Imm Past President | - | $0 | - | - |
| EMILIYA FARBSTEIN | Director | - | $0 | - | - |
| WALTER SHACKELFORD | Director | - | $0 | - | - |
| KELLEY REED | Director | - | $0 | - | - |
“BANK FEES 1605.”
“CREDIT CARD FEES 2155.”
“Dues and subscriptions 525.”
“EXAMINER'S SCHOOL 40114.”
“INSURANCE 2290.”
“Meeting and conventions 63202.”
“MISCELLANEOUS 39.”
“OFFICE EXPENSES 1206.”
“TELECOMMUNICATIONS 973.”
“WEBSITE 280.”
“Prepaid expenses 1872. 2088.”
“Deferred income 6360. 9075.”
“Accounts payable 8372. 12778.”
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/BusinessName/BusinessNameLine1Txt | 0 | ASSOCIATION DEVEL GROUP |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 5186945542 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 136 EVERETT ROAD |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | ALBANY |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | NY |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 12205 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 131394 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 145376 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 0 |
| IRS990EZ/CostOfGoodsSoldAmt | 0 | 0 |
| IRS990EZ/CostOrOtherBasisExpenseSaleAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 7077 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 48748 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 133266 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 147464 |
| IRS990EZ/FundraisingGrossIncomeAmt | 0 | 0 |
| IRS990EZ/GainOrLossFromSaleOfAssetsAmt | 0 | 0 |
| IRS990EZ/GrossProfitLossSlsOfInvntryAmt | 0 | 0 |
| IRS990EZ/GrossReceiptsAmt | 0 | 168214 |
| IRS990EZ/GrossReceiptsForPublicUseAmt | 0 | 0 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InitiationFeesAndCapContriAmt | 0 | 0 |
| IRS990EZ/InvestmentIncomeAmt | 0 | 0 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MembershipDuesAmt | 0 | 41340 |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 118534 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 125611 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 118534 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 125611 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 4.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 7 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | NEAL MONAGHAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | MARK HASTIE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | JIM COPELAND |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | MATTHEW NANCE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | ZAK HINGST |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | EMILIYA FARBSTEIN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | WALTER SHACKELFORD |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 7 | KELLEY REED |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | FIRST VICE PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | SECOND VICE PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | SECRETARY-TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | IMM PAST PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 7 | DIRECTOR |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 1872 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 2088 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 112389 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | TO SERVE THE CONSUMER CREDIT PUBLIC |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 126874 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | PROVIDE EDUCATIONAL CLASSES ON CONSUMER CREDIT MORTGAGELOANS AND OTHER TOPICS TO OVER 100 STATE AND FEDERALINSTITUTION EXAMINERS |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 1 | PARTICIPATE IN PROGRAMS WITH CONSUMER CREDIT INDUSTRYPERSONNEL REGARDING LENDING PRACTICES AND HOLD ANNUALBUSINESS MEETINGS AND ELECT OFFICERS YEARLY 80-90 MEMBERS ATTEND |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 40114 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 1 | 56913 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SpecialEventsDirectExpensesAmt | 0 | 0 |
| IRS990EZ/SpecialEventsNetIncomeLossAmt | 0 | 0 |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 14732 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 21853 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 161137 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 97027 |
| IRS990EZ/TotalRevenueAmt | 0 | 168214 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | BANK FEES 1605. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | CREDIT CARD FEES 2155. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DUES AND SUBSCRIPTIONS 525. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | EXAMINER'S SCHOOL 40114. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | INSURANCE 2290. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | MEETING AND CONVENTIONS 63202. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | MISCELLANEOUS 39. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | OFFICE EXPENSES 1206. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | TELECOMMUNICATIONS 973. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | WEBSITE 280. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | PREPAID EXPENSES 1872. 2088. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 11 | DEFERRED INCOME 6360. 9075. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 12 | ACCOUNTS PAYABLE 8372. 12778. |
| 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 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | Form 990EZ, Part II, Line 24 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 11 | Form 990EZ, Part II, Line 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 12 | Form 990EZ, Part II, Line 26 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd | 0 | AAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd | 0 | FAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd | 0 | IAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd | 0 | 3 |
| ReturnHeader/BuildTS | 0 | 2023-04-26 12:10:37Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | NEAL MONAGHAN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 5186945542 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2023-11-09 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | NATIONAL ASSOCIATION OF CONSUMER CREDIT ADMINISTRATORS |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | NATI |
| ReturnHeader/Filer/EIN | 0 | 546045009 |
| ReturnHeader/Filer/PhoneNum | 0 | 5186945542 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 136 EVERETT ROAD |
| ReturnHeader/Filer/USAddress/CityNm | 0 | ALBANY |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | NY |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 12205 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 260904128 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | STEVEN ELLWANGER CPA PLLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 80 ASH ST |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | SARATOGA SPRINGS |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | NY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 12866 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5189321079 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2023-11-17 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | STEVEN ELLWANGER |
| ReturnHeader/PreparerPersonGrp/SelfEmployedInd | 0 | X |
| ReturnHeader/ReturnTs | 0 | 2023-11-17T06:47:44-08:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm | 0 | NEAL |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm | 0 | MONAGHAN |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2022-07-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2023-06-30 |
| ReturnHeader/TaxYr | 0 | 2022 |
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