Civic Intelligence

Tennessee Consumer Finance Association

EIN 62-0712716 • 501(c)6 • Nashville, TN

Profile

Promote efficient and ethical business

5133 Harding Pike B-10 STE 380Nashville, TN 37205

tnconsumerfinance.org

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.02x

Higher debt load relative to assets than 62% of similar nonprofits.

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

Liabilities / Revenue

68th percentile

0.03x

Higher debt load relative to revenue than 68% of similar nonprofits.

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

Net Margin

17th percentile

-29%

Higher net margin than 17% 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

31st percentile

-14%

Faster asset growth than 31% of similar nonprofits.

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

Revenue Growth

61st percentile

5.6%

Faster revenue growth than 61% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Down

$229,361

Down $38,861 (-14%) from 2024

Liabilities

Up

$4,462

Up $2,362 (+112%) from 2024

Net Assets

Down

$224,899

Down $41,223 (-15%) from 2024

Operations
Liabilities / Revenue68th percentileNet Margin17th percentile

Revenue

Up

$140,173

Up $7,409 (+5.6%) from 2024

Expenses

Up

$181,396

Up $8,892 (+5.2%) from 2024

Net Income

Down

-$41,223

Down $1,483 (-3.7%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth31st percentile

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

$400K$300K$200K$100K$0Assets 2010: $237,455Liabilities 2010: $217Net Assets 2010: $237,2382010Assets 2011: $219,625Liabilities 2011: $82Net Assets 2011: $219,5432011Assets 2012: $238,064Liabilities 2012: $8,283Net Assets 2012: $229,7812012Assets 2013: $246,624Liabilities 2013: $96Net Assets 2013: $246,5282013Assets 2014: $267,936Liabilities 2014: $7832014Assets 2015: $291,387Liabilities 2015: $800Net Assets 2015: $290,5872015Assets 2016: $302,237Liabilities 2016: $86Net Assets 2016: $302,1512016Assets 2017: $335,417Liabilities 2017: $75Net Assets 2017: $335,3422017Assets 2018: $354,445Liabilities 2018: $13,659Net Assets 2018: $340,7862018Assets 2019: $336,584Liabilities 2019: $1,0502019Assets 2020: $332,122Liabilities 2020: $4,654Net Assets 2020: $327,4682020Assets 2021: $327,605Liabilities 2021: $3,150Net Assets 2021: $324,4552021Assets 2022: $317,341Liabilities 2022: $7,050Net Assets 2022: $310,2912022Assets 2023: $306,912Liabilities 2023: $1,0502023Assets 2024: $268,222Liabilities 2024: $2,100Net Assets 2024: $266,1222024Assets 2025: $229,361Liabilities 2025: $4,462Net Assets 2025: $224,8992025

Highlighted filing

2025

Assets$229,361
Liabilities$4,462
Net Assets$224,899
Open 2025 Filing

Operations Trend

Revenue Growth61st percentile

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

$200K$100K$0-$100KRevenue 2010: $115,392Expenses 2010: $114,229Net Income 2010: $1,1632010Revenue 2011: $95,138Expenses 2011: $112,833Net Income 2011: -$17,6952011Revenue 2012: $133,712Expenses 2012: $123,474Net Income 2012: $10,2382012Revenue 2013: $137,034Expenses 2013: $120,287Net Income 2013: $16,7472013Revenue 2014: $150,554Expenses 2014: $129,929Net Income 2014: $20,6252014Revenue 2015: $145,449Expenses 2015: $122,015Net Income 2015: $23,4342015Revenue 2016: $144,788Expenses 2016: $133,224Net Income 2016: $11,5642016Revenue 2017: $160,174Expenses 2017: $126,983Net Income 2017: $33,1912017Revenue 2018: $127,427Expenses 2018: $121,983Net Income 2018: $5,4442018Revenue 2019: $136,604Expenses 2019: $141,856Net Income 2019: -$5,2522019Revenue 2020: $109,682Expenses 2020: $117,748Net Income 2020: -$8,0662020Revenue 2021: $133,653Expenses 2021: $136,666Net Income 2021: -$3,0132021Revenue 2022: $144,635Expenses 2022: $158,799Net Income 2022: -$14,1642022Revenue 2023: $153,717Expenses 2023: $158,146Net Income 2023: -$4,4292023Revenue 2024: $132,764Expenses 2024: $172,504Net Income 2024: -$39,7402024Revenue 2025: $140,173Expenses 2025: $181,396Net Income 2025: -$41,2232025

Highlighted filing

2025

Revenue$140,173
Expenses$181,396
Net Income-$41,223
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$229,361
Liabilities
$4,462
Net assets
$224,899
Revenue
$140,173
Expenses
$181,396
Net income
-$41,223
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$2.29$0.04$2.25$1.40$1.81$0.41
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.68$0.02$2.66$1.33$1.73$0.40
2023Summary only. Only limited summary data is available for this year.$3.07$0.01$1.54$1.58$0.04
2022Detailed filing. Detailed filing data is available for this year.$3.17$0.07$3.10$1.45$1.59$0.14
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.28$0.03$3.24$1.34$1.37$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.32$0.05$3.27$1.10$1.18$0.08
2019Summary only. Only limited summary data is available for this year.$3.37$0.01$1.37$1.42$0.05
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.54$0.14$3.41$1.27$1.22$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.35$0.00$3.35$1.60$1.27$0.33
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.02$0.00$3.02$1.45$1.33$0.12
2015Detailed filing. Detailed filing data is available for this year.$2.91$0.01$2.91$1.45$1.22$0.23
2014Summary only. Only limited summary data is available for this year.$2.68$0.01$1.51$1.30$0.21
2013Detailed filing. Detailed filing data is available for this year.$2.47$0.00$2.47$1.37$1.20$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.38$0.08$2.30$1.34$1.23$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.20$0.00$2.20$0.95$1.13$0.18
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.37$0.00$2.37$1.15$1.14$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 16, 2026
Return Version
2025v4.0
Gross Receipts
$140,173
Mission and Program Overview

Mission

Promote efficient and ethical business

Program Services

DescriptionGrantsExpenses
Helped to encourage efficient and ethical business practices in the financial services field and has helped to develop good relationships between those in the financial industry.-$0
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ken WestPresident-$0--
Stacy LipfordVice President-$0--
Joshua NickersonSecretary-$0--
Filing and Contact Details

Filer

Filer Name
Tennessee Consumer Finance Association
EIN
62-0712716
In Care Of
% Patrick Owings
Phone
6153459584
Address
5133 Harding Pike B-10 STE 380, Nashville, TN 37205

Signing Officer

Name
Patrick Owings
Title
CEO Oak Ridge AMC
Phone
6153459584
Signed
2026-02-16
Discuss with paid preparer
No

Preparer

Firm
Speth CPAs
Address
10265 Kingston Pike Suite A, Knoxville, TN 37922-3241
Preparer
Kerry Speth
Phone
8654702122
Supplemental Narrative

Additional Explanations

Description of other revenue Part I line 8

“Description AmountCovention Registration Fees 11,900Convention Sponsorship 24,150Luncheon 1,190”

Description of other expenses Part I line 16

“Description AmountBoard Expenses 7,725Convention Expenses 41,106Website 1,125Legislative 73,451Luncheon 2,700TN Jumpstart Annual Conference 3,253Admin 7,670”

Description of other assets Part II line 24

“Category Beginning of Year End of YearPrepaid Expenses 453 486Simmons Bank CD 253,153 0Centennial Bank - CD 0 113,937”

Description of total liabilities Part II line 26

“Category Beginning of Year End of YearDeferred Revenue 2,100 4,462”

Raw XML Appendix110 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/BooksInCareOfDetail/PersonNm0Oak Ridge Association Management Co
IRS990EZ/BooksInCareOfDetail/PhoneNum06153459584
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt05133 Harding Pike B10 380
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Nashville
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd037205
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt014616
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0114938
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-41223
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt044366
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0268222
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0229361
IRS990EZ/GrossReceiptsAmt0140173
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt013295
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt089638
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0266122
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0224899
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0266122
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0224899
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt02.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt12.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt22.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Ken West
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Stacy Lipford
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Joshua Nickerson
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Vice President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Secretary
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0253606
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0114423
IRS990EZ/OtherExpensesTotalAmt0137030
IRS990EZ/OtherRevenueTotalAmt037240
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Promote efficient and ethical business
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Helped to encourage efficient and ethical business practices in the financial services field and has helped to develop good relationships between those in the financial industry.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt02100
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt04462
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0181396
IRS990EZ/TotalRevenueAmt0140173
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0HTTPS://TNCONSUMERFINANCE.ORG
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Description AmountCovention Registration Fees 11,900Convention Sponsorship 24,150Luncheon 1,190
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Description AmountBoard Expenses 7,725Convention Expenses 41,106Website 1,125Legislative 73,451Luncheon 2,700TN Jumpstart Annual Conference 3,253Admin 7,670
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Category Beginning of Year End of YearPrepaid Expenses 453 486Simmons Bank CD 253,153 0Centennial Bank - CD 0 113,937
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Category Beginning of Year End of YearDeferred Revenue 2,100 4,462
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Description of other revenue Part I line 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Description of other expenses Part I line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Description of other assets Part II line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Description of total liabilities Part II line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0PATRICK OWINGS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO Oak Ridge AMC
ReturnHeader/BusinessOfficerGrp/PhoneNum06153459584
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Tennessee Consumer Finance Association
ReturnHeader/Filer/BusinessNameControlTxt0TENN
ReturnHeader/Filer/EIN0620712716
ReturnHeader/Filer/InCareOfNm0% Patrick Owings
ReturnHeader/Filer/PhoneNum06153459584
ReturnHeader/Filer/USAddress/AddressLine1Txt05133 Harding Pike B-10 STE 380
ReturnHeader/Filer/USAddress/CityNm0Nashville
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037205
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0881877722
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Speth CPAs
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010265 Kingston Pike Suite A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Knoxville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0379223241
ReturnHeader/PreparerPersonGrp/PhoneNum08654702122
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KERRY SPETH
ReturnHeader/ReturnTs02026-02-16T14:42:03-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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