Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
Kentucky Consumer Finance
EIN 61-0549102 • 501(c)6 • Frankfort, KY
Profile
The kentucky consumer finance association, inc. (kcfa) is a private non- profit organization. The nature and purpose of the kcfa is to encourage the business of financing individuals and families for necessary and useful purposes, at reasonable charges including interest; to encourage and maintain truthfulness in advertising; to encourage and maintain ethical practices in the conduct of such business, and for this purpose to bring about cooperation with state officials responsible for the enforcement and administration of laws applicable to this business, and to ensure obedience to their lawful rules and regulations; and to promote thrift and financial independence.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
No value available
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.
Net Margin
84th percentile
Higher net margin than 84% 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
64th percentile
Faster asset growth than 64% of similar nonprofits.
Revenue Growth
65th percentile
Faster revenue growth than 65% of similar nonprofits.
Balance Sheet
Assets
Up$296,515
Up $17,011 (+6.1%) from 2023
Liabilities
-
No earlier filing loaded for comparison.
Net Assets
Up$296,515
Up $17,011 (+6.1%) from 2023
Revenue
Up$72,808
Up $5,655 (+8.4%) from 2023
Expenses
Up$55,797
Up $2,689 (+5.1%) from 2023
Net Income
Up$17,011
Up $2,966 (+21%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $296,515
- Liabilities
- -
- Net assets
- $296,515
- Revenue
- $72,808
- Expenses
- $55,797
- Net income
- $17,011
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- May 14, 2025
- Return Version
- 2024v5.0
- Gross Receipts
- $72,808
Mission and Program Overview
Mission
The kentucky consumer finance association, inc. (kcfa) is a private non- profit organization. The nature and purpose of the kcfa is to encourage the business of financing individuals and families for necessary and useful purposes, at reasonable charges including interest; to encourage and maintain truthfulness in advertising; to encourage and maintain ethical practices in the conduct of such business, and for this purpose to bring about cooperation with state officials responsible for the enforcement and administration of laws applicable to this business, and to ensure obedience to their lawful rules and regulations; and to promote thrift and financial independence.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| ADVOCACY FOR CONSUMER FINANCE BUSINESSES WHO ARE MEMBERS OF THE ASSOCIATION | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| JIM MILLER | President | - | $0 | - | - |
| PATRICK OLIVER | Vice Preside | - | $0 | - | - |
| JOHN STEVENSON | Secretary/Tr | - | $0 | - | - |
| DUSTIN MILLER | Exec VP/Asst | - | $0 | - | - |
| RD ADAMS | Director | - | $0 | - | - |
| MARK BOWLING | Director | - | $0 | - | - |
| EDDIE CAIN | Director | - | $0 | - | - |
| BILL DAVIS | Director | - | $0 | - | - |
| TROY DOCK | Director | - | $0 | - | - |
| J PATRICK FREDERICK | Director | - | $0 | - | - |
| TOM HOURIGAN | Director | - | $0 | - | - |
| STEVE MARSHALL | Director | - | $0 | - | - |
| BRAD MCCLURE | Director | - | $0 | - | - |
| JOHN MCINTYRE | Director | - | $0 | - | - |
| TODD MORRIS | Director | - | $0 | - | - |
| JERRY PYLE | Director | - | $0 | - | - |
| MARK RATAJCZAK | Director | - | $0 | - | - |
| SHANE TURNER | Director | - | $0 | - | - |
| CHIP VERCELLI | Director | - | $0 | - | - |
| JOSH VIGEANT | Director | - | $0 | - | - |
| SUSIE WESTOVER | Director | - | $0 | - | - |
| NETTIE WHITAKER | Director | - | $0 | - | - |
| BOB WHITEHOUSE | Director | - | $0 | - | - |
Political and Lobbying Activity
- In-house lobbying only
- No
Reported Spending and Taxes
| Line Item | Amount |
|---|---|
| Current Year Nondeductible Lobbying and Political Cost | $19,080 |
| Total Nondeductible Lobbying and Political Cost | $19,080 |
Filing and Contact Details
Filer
- Filer Name
- Kentucky Consumer Finance
- EIN
- 61-0549102
- Phone
- 5022263975
- Address
- 229 SHELBY STREET, FRANKFORT, KY 40601
Signing Officer
- Name
- Jim Miller
- Title
- President
- Phone
- 5022263975
- Signed
- 2025-05-14
Preparer
- Firm
- Harrod & Associates
- Address
- 2 HMB CIRCLE A, FRANKFORT, KY 40601-2351
- Preparer
- David R Harrod CPA
- Phone
- 5026957300
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 16
“Expenses office supplies & expenses 803 insurance 454 taxes & licenses 515 total 1,772”
Form 990-ez, Part III
“The kentucky consumer finance association, inc. (kcfa) is a private non- profit organization. The nature and purpose of the kcfa is to encourage the business of financing individuals and families for necessary and useful purposes, at reasonable charges including interest; to encourage and maintain truthfulness in advertising; to encourage and maintain ethical practices in the conduct of such business, and for this purpose to bring about cooperation with state officials responsible for the enforcement and administration of laws applicable to this business, and to ensure obedience to their lawful rules and regulations; and to promote thrift and financial independence.”
Raw XML Appendix182 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.
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| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 20 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 21 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 22 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | JIM MILLER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | PATRICK OLIVER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | JOHN STEVENSON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | DUSTIN MILLER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | RD ADAMS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | MARK BOWLING |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | EDDIE CAIN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 7 | BILL DAVIS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 8 | TROY DOCK |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 9 | J PATRICK FREDERICK |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 10 | TOM HOURIGAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 11 | STEVE MARSHALL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 12 | BRAD MCCLURE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 13 | JOHN MCINTYRE |
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| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 16 | MARK RATAJCZAK |
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| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 19 | JOSH VIGEANT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 20 | SUSIE WESTOVER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 21 | NETTIE WHITAKER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 22 | BOB WHITEHOUSE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | VICE PRESIDE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | SECRETARY/TR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | EXEC VP/ASST |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 7 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 8 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 9 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 10 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 11 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 12 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 13 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 14 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 15 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 16 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 17 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 18 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 19 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 20 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 21 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 22 | DIRECTOR |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 1772 |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | THE KENTUCKY CONSUMER FINANCE ASSOCIATION, INC. (KCFA) IS A PRIVATE NON- PROFIT ORGANIZATION. THE NATURE AND PURPOSE OF THE KCFA IS TO ENCOURAGE THE BUSINESS OF FINANCING INDIVIDUALS AND FAMILIES FOR NECESSARY AND USEFUL PURPOSES, AT REASONABLE CHARGES INCLUDING INTEREST; TO ENCOURAGE AND MAINTAIN TRUTHFULNESS IN ADVERTISING; TO ENCOURAGE AND MAINTAIN ETHICAL PRACTICES IN THE CONDUCT OF SUCH BUSINESS, AND FOR THIS PURPOSE TO BRING ABOUT COOPERATION WITH STATE OFFICIALS RESPONSIBLE FOR THE ENFORCEMENT AND ADMINISTRATION OF LAWS APPLICABLE TO THIS BUSINESS, AND TO ENSURE OBEDIENCE TO THEIR LAWFUL RULES AND REGULATIONS; AND TO PROMOTE THRIFT AND FINANCIAL INDEPENDENCE. |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 9247 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | ADVOCACY FOR CONSUMER FINANCE BUSINESSES WHO ARE MEMBERS OF THE ASSOCIATION |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | KY |
| IRS990EZ/SubjectToProxyTaxInd | 0 | true |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 55797 |
| IRS990EZ/TotalRevenueAmt | 0 | 72808 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
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| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
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| IRS990ScheduleC/AgreeCarryoverPriorYearInd | 0 | false |
| IRS990ScheduleC/DuesAssessmentsAmt | 0 | 59126 |
| IRS990ScheduleC/NonDeductibleLbbyngPltclCYAmt | 0 | 19080 |
| IRS990ScheduleC/NonDeductibleLbbyngPltclTotAmt | 0 | 19080 |
| IRS990ScheduleC/OnlyInHouseLobbyingInd | 0 | false |
| IRS990ScheduleC/SubstantiallyAllDuesNondedInd | 0 | false |
| IRS990ScheduleC/TaxableAmt | 0 | -8118 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | EXPENSES OFFICE SUPPLIES & EXPENSES 803 INSURANCE 454 TAXES & LICENSES 515 TOTAL 1,772 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE KENTUCKY CONSUMER FINANCE ASSOCIATION, INC. (KCFA) IS A PRIVATE NON- PROFIT ORGANIZATION. THE NATURE AND PURPOSE OF THE KCFA IS TO ENCOURAGE THE BUSINESS OF FINANCING INDIVIDUALS AND FAMILIES FOR NECESSARY AND USEFUL PURPOSES, AT REASONABLE CHARGES INCLUDING INTEREST; TO ENCOURAGE AND MAINTAIN TRUTHFULNESS IN ADVERTISING; TO ENCOURAGE AND MAINTAIN ETHICAL PRACTICES IN THE CONDUCT OF SUCH BUSINESS, AND FOR THIS PURPOSE TO BRING ABOUT COOPERATION WITH STATE OFFICIALS RESPONSIBLE FOR THE ENFORCEMENT AND ADMINISTRATION OF LAWS APPLICABLE TO THIS BUSINESS, AND TO ENSURE OBEDIENCE TO THEIR LAWFUL RULES AND REGULATIONS; AND TO PROMOTE THRIFT AND FINANCIAL INDEPENDENCE. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART III |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JIM MILLER |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 5022263975 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-05-14 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | KENTUCKY CONSUMER FINANCE |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | ASSOCIATION INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | KENT |
| ReturnHeader/Filer/EIN | 0 | 610549102 |
| ReturnHeader/Filer/PhoneNum | 0 | 5022263975 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 229 SHELBY STREET |
| ReturnHeader/Filer/USAddress/CityNm | 0 | FRANKFORT |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | KY |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 40601 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 611291670 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | HARROD & ASSOCIATES |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 2 HMB CIRCLE A |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | FRANKFORT |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | KY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 406012351 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5026957300 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-05-14 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | DAVID R HARROD CPA |
| ReturnHeader/ReturnTs | 0 | 2025-05-15T14:36:13-04:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.