Civic Intelligence

North American Collection Agency Regulatory Association

EIN 81-2263950 • 501(c)6 • San Diego, CA

Profile

Ensure the fair and equitable administration of collection agency regulation throughout North America.

1455 Frazee Rd Ste 315San Diego, CA 92108

nacaraweb.org

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Liabilities / Revenue

51st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Net Margin

98th percentile

76%

Higher net margin than 98% 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

93rd percentile

62%

Faster asset growth than 93% of similar nonprofits.

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

Revenue Growth

30th percentile

-15%

Faster revenue growth than 30% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$64,131

Up $24,472 (+62%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Up

$64,131

Up $24,472 (+62%) from 2024

Operations
Liabilities / Revenue51st percentileNet Margin98th percentile

Revenue

Down

$31,990

Down $5,762 (-15%) from 2024

Expenses

Down

$7,518

Down $41,828 (-85%) from 2024

Net Income

Up

$24,472

Up $36,066 (+311%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth93rd percentile

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

$80K$60K$40K$20K$0Assets 2011: $13,697Liabilities 2011: $02011Assets 2012: $13,289Liabilities 2012: $02012Assets 2013: $13,013Liabilities 2013: $02013Assets 2014: $9,383Liabilities 2014: $02014Assets 2015: $20,929Liabilities 2015: $02015Assets 2016: $26,137Liabilities 2016: $02016Assets 2017: $26,017Liabilities 2017: $02017Assets 2018: $41,573Liabilities 2018: $02018Assets 2019: $36,159Liabilities 2019: $02019Assets 2020: $29,932Liabilities 2020: $02020Assets 2021: $37,548Liabilities 2021: $0Net Assets 2021: $37,5482021Assets 2022: $55,618Liabilities 2022: $0Net Assets 2022: $55,6182022Assets 2023: $51,253Liabilities 2023: $0Net Assets 2023: $51,2532023Assets 2024: $39,659Liabilities 2024: $0Net Assets 2024: $39,6592024Assets 2025: $64,131Liabilities 2025: $0Net Assets 2025: $64,1312025

Highlighted filing

2025

Assets$64,131
Liabilities$0
Net Assets$64,131
Open 2025 Filing

Operations Trend

Revenue Growth30th percentile

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

$60K$40K$20K$0-$20KRevenue 2011: $8,135Expenses 2011: $8,550Net Income 2011: -$4152011Revenue 2012: $7,655Expenses 2012: $8,063Net Income 2012: -$4082012Revenue 2013: $10,451Expenses 2013: $10,727Net Income 2013: -$2762013Revenue 2014: $15,751Expenses 2014: $19,381Net Income 2014: -$3,6302014Revenue 2015: $20,118Expenses 2015: $8,572Net Income 2015: $11,5462015Revenue 2016: $31,890Expenses 2016: $26,682Net Income 2016: $5,2082016Revenue 2017: $21,053Expenses 2017: $21,173Net Income 2017: -$1202017Revenue 2018: $30,751Expenses 2018: $15,195Net Income 2018: $15,5562018Revenue 2019: $28,563Expenses 2019: $33,977Net Income 2019: -$5,4142019Revenue 2020: $23,765Expenses 2020: $29,992Net Income 2020: -$6,2272020Revenue 2021: $7,949Expenses 2021: $333Net Income 2021: $7,6162021Revenue 2022: $20,953Expenses 2022: $2,883Net Income 2022: $18,0702022Revenue 2023: $33,573Expenses 2023: $37,938Net Income 2023: -$4,3652023Revenue 2024: $37,752Expenses 2024: $49,346Net Income 2024: -$11,5942024Revenue 2025: $31,990Expenses 2025: $7,518Net Income 2025: $24,4722025

Highlighted filing

2025

Revenue$31,990
Expenses$7,518
Net Income$24,472
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$64,131
Liabilities
$0
Net assets
$64,131
Revenue
$31,990
Expenses
$7,518
Net income
$24,472
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$64.1$0.00$64.1$32.0$7.52$24.5
2024Detailed filing. Detailed filing data is available for this year.$39.7$0.00$39.7$37.8$49.3$11.6
2023Detailed filing. Detailed filing data is available for this year.$51.3$0.00$51.3$33.6$37.9$4.37
2022Detailed filing. Detailed filing data is available for this year.$55.6$0.00$55.6$21.0$2.88$18.1
2021Detailed filing. Detailed filing data is available for this year.$37.5$0.00$37.5$7.95$0.33$7.62
2020Summary only. Only limited summary data is available for this year.$29.9$0.00$23.8$30.0$6.23
2019Summary only. Only limited summary data is available for this year.$36.2$0.00$28.6$34.0$5.41
2018Summary only. Only limited summary data is available for this year.$41.6$0.00$30.8$15.2$15.6
2017Summary only. Only limited summary data is available for this year.$26.0$0.00$21.1$21.2$0.12
2016Summary only. Only limited summary data is available for this year.$26.1$0.00$31.9$26.7$5.21
2015Summary only. Only limited summary data is available for this year.$20.9$0.00$20.1$8.57$11.5
2014Summary only. Only limited summary data is available for this year.$9.38$0.00$15.8$19.4$3.63
2013Summary only. Only limited summary data is available for this year.$13.0$0.00$10.5$10.7$0.28
2012Summary only. Only limited summary data is available for this year.$13.3$0.00$7.66$8.06$0.41
2011Summary only. Only limited summary data is available for this year.$13.7$0.00$8.14$8.55$0.42
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Sep 5, 2025
Return Version
2024v5.0
Gross Receipts
$31,990
Mission and Program Overview

Mission

Ensure the fair and equitable administration of collection agency regulation throughout North America.

Program Services

DescriptionGrantsExpenses
Provide members with opportunities for communication on regulatory matters; Conducting research and obtaining and exchanging information on regulatory matters, and for professional improvement; We host an annual conference to provide our members with networking and educational opportunities.--
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Erin Van EngelenPresident-$0--
Matthew KingsleySecretary-$0--
Herb ThompsonTreasurer-$0--
Melinda LeeVice-President-$0--
Liam O'DriscollDirector-$0--
Filing and Contact Details

Filer

Filer Name
North American Collection Agency Regulatory Association
EIN
81-2263950
Phone
6266743692
Address
1455 Frazee Rd Ste 315, San Diego, CA 92108

Signing Officer

Name
Erin Van Engelen
Title
Treasurer
Phone
2083328068
Signed
2025-09-05
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 16

“Annual Conference = $6,595.90 Website Domain & Security = $634.81 PayPal Fees = $284.53 ACH Fee = $2.50”

Raw XML Appendix124 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/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BenefitsPaidToOrForMembersAmt00
IRS990EZ/BooksInCareOfDetail/PersonNm0Herb Thompson
IRS990EZ/BooksInCareOfDetail/PhoneNum06266743692
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01455 Frazee Rd Ste 315
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0San Diego
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd092108
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt039659
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt064131
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt00
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt024472
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt00
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form1120PolFiledInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt039659
IRS990EZ/Form990TotalAssetsGrp/EOYAmt064131
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt031990
IRS990EZ/GrossSalesOfInventoryAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt02
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt09588
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt039659
IRS990EZ/NetAssetsOrFundBalancesEOYAmt064131
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt039659
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt064131
IRS990EZ/OccupancyRentUtltsAndMaintAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41
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/PersonNm0Erin Van Engelen
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Matthew Kingsley
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Herb Thompson
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Melinda Lee
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Liam O'Driscoll
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Vice-President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Director
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt07518
IRS990EZ/OtherRevenueTotalAmt00
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0Ensure the fair and equitable administration of collection agency regulation throughout North America.
IRS990EZ/PrintingPublicationsPostageAmt00
IRS990EZ/ProgramServiceRevenueAmt022400
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Provide members with opportunities for communication on regulatory matters; Conducting research and obtaining and exchanging information on regulatory matters, and for professional improvement; We host an annual conference to provide our members with networking and educational opportunities.
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SalariesOtherCompEmplBnftAmt00
IRS990EZ/SaleOfAssetsGrossAmt00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TotalExpensesAmt07518
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt031990
IRS990EZ/TransactionWithControlEntInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0NACARAWEB.ORG
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Annual Conference = $6,595.90 Website Domain & Security = $634.81 PayPal Fees = $284.53 ACH Fee = $2.50
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 16
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Erin Van Engelen
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum02083328068
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NORTH AMERICAN COLLECTION AGENCY REGULATORY ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0812263950
ReturnHeader/Filer/PhoneNum06266743692
ReturnHeader/Filer/USAddress/AddressLine1Txt01455 Frazee Rd Ste 315
ReturnHeader/Filer/USAddress/CityNm0San Diego
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd092108
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-09-05T12:10:57-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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