Civic Intelligence

Nacm Northeast Inc

EIN 94-3435090 • 501(c)6 • Rolling Meadows, IL

Profile

To provide a forum to members within the credit profession for education, netowrking and business resources.

3005 Tollview DriveRolling Meadows, IL 60008

n/A

Siviq Scores

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

Liabilities / Assets

98th percentile

2.44x

Higher debt load relative to assets than 98% of similar nonprofits.

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

Liabilities / Revenue

100th percentile

13.83x

Higher debt load relative to revenue than 100% of similar nonprofits.

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

Net Margin

88th percentile

30%

Higher net margin than 88% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2025

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2025

Balance Sheet
Liabilities / Assets98th percentile

Assets

Up

$489,491

Up $20,514 (+4.4%) from 2024

Liabilities

Up

$1,194,165

Up $68,337 (+6.1%) from 2024

Net Assets

Down

-$704,674

Down $47,823 (-7.3%) from 2024

Operations
Liabilities / Revenue100th percentileNet Margin88th percentile

Revenue

Down

$86,375

Down $1,832 (-2.1%) from 2024

Expenses

Up

$60,748

Up $3,007 (+5.2%) from 2024

Net Income

Down

$25,627

Down $4,839 (-16%) from 2024

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$1.5M$1.0M$500K$0-$500K-$1.0MAssets 2011: $158,503Liabilities 2011: $386,766Net Assets 2011: -$228,2632011Assets 2012: $204,684Liabilities 2012: $383,766Net Assets 2012: -$179,0822012Assets 2013: $240,940Liabilities 2013: $462,148Net Assets 2013: -$221,2082013Assets 2014: $287,919Liabilities 2014: $530,068Net Assets 2014: -$242,1492014Assets 2015: $319,087Liabilities 2015: $623,396Net Assets 2015: -$304,3092015Assets 2016: $361,158Liabilities 2016: $635,869Net Assets 2016: -$274,7112016Assets 2017: $367,928Liabilities 2017: $628,850Net Assets 2017: -$260,9222017Assets 2018: $350,578Liabilities 2018: $591,006Net Assets 2018: -$240,4282018Assets 2019: $377,581Liabilities 2019: $615,233Net Assets 2019: -$237,6522019Assets 2020: $390,784Liabilities 2020: $671,446Net Assets 2020: -$280,6622020Assets 2021: $408,577Liabilities 2021: $731,940Net Assets 2021: -$323,3632021Assets 2022: $413,289Liabilities 2022: $844,115Net Assets 2022: -$430,8262022Assets 2023: $435,263Liabilities 2023: $973,148Net Assets 2023: -$537,8852023Assets 2024: $468,977Liabilities 2024: $1,125,828Net Assets 2024: -$656,8512024Assets 2025: $489,491Liabilities 2025: $1,194,165Net Assets 2025: -$704,6742025

Highlighted filing

2025

Assets$489,491
Liabilities$1,194,165
Net Assets-$704,674
Open 2025 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0Expenses 2011: $48,3682011Expenses 2012: $51,9372012Expenses 2013: $64,0542013Revenue 2014: $90,762Expenses 2014: $56,762Net Income 2014: $34,0002014Revenue 2015: $97,135Expenses 2015: $74,800Net Income 2015: $22,3352015Revenue 2016: $106,043Expenses 2016: $72,517Net Income 2016: $33,5262016Revenue 2017: $94,188Expenses 2017: $72,060Net Income 2017: $22,1282017Revenue 2018: $77,903Expenses 2018: $57,847Net Income 2018: $20,0562018Revenue 2019: $89,821Expenses 2019: $63,872Net Income 2019: $25,9492019Revenue 2020: $80,669Expenses 2020: $65,168Net Income 2020: $15,5012020Revenue 2021: $77,607Expenses 2021: $64,162Net Income 2021: $13,4452021Revenue 2022: $82,871Expenses 2022: $75,891Net Income 2022: $6,9802022Revenue 2023: $85,321Expenses 2023: $64,886Net Income 2023: $20,4352023Revenue 2024: $88,207Expenses 2024: $57,741Net Income 2024: $30,4662024Revenue 2025: $86,375Expenses 2025: $60,748Net Income 2025: $25,6272025

Highlighted filing

2025

Revenue$86,375
Expenses$60,748
Net Income$25,627
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$489,491
Liabilities
$1,194,165
Net assets
-$704,674
Revenue
$86,375
Expenses
$60,748
Net income
$25,627
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.49$1.19$0.70$0.09$0.06$0.03
2024Detailed filing. Detailed filing data is available for this year.$0.47$1.13$0.66$0.09$0.06$0.03
2023Detailed filing. Detailed filing data is available for this year.$0.44$0.97$0.54$0.09$0.06$0.02
2022Detailed filing. Detailed filing data is available for this year.$0.41$0.84$0.43$0.08$0.08$0.01
2021Detailed filing. Detailed filing data is available for this year.$0.41$0.73$0.32$0.08$0.06$0.01
2020Detailed filing. Detailed filing data is available for this year.$0.39$0.67$0.28$0.08$0.07$0.02
2019Detailed filing. Detailed filing data is available for this year.$0.38$0.62$0.24$0.09$0.06$0.03
2018Detailed filing. Detailed filing data is available for this year.$0.35$0.59$0.24$0.08$0.06$0.02
2017Detailed filing. Detailed filing data is available for this year.$0.37$0.63$0.26$0.09$0.07$0.02
2016Detailed filing. Detailed filing data is available for this year.$0.36$0.64$0.27$0.11$0.07$0.03
2015Detailed filing. Detailed filing data is available for this year.$0.32$0.62$0.30$0.10$0.07$0.02
2014Detailed filing. Detailed filing data is available for this year.$0.29$0.53$0.24$0.09$0.06$0.03
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.24$0.46$0.22$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.20$0.38$0.18$0.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.16$0.39$0.23$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Apr 1, 2024 to Mar 31, 2025
Signed
Aug 26, 2025
Return Version
2024v5.2
Gross Receipts
$86,375
Mission and Program Overview

Mission

To provide a forum to members within the credit profession for education, netowrking and business resources.

To provide a forum to its members within the credit profession for education, networking and business resources.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$3,849$2,790▼ $1,059
Total Assets$468,977$489,491▲ $20,514
Other Assets Total$465,128$486,701▲ $21,573
Liabilities
Other Liabilities$1,080,822$1,154,272▲ $73,450
Deferred Revenue$45,006$39,893▼ $5,113
Total Liabilities$1,125,828$1,194,165▲ $68,337
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-656,851$-704,674▼ $47,823
Total Net Assets Fund Balance$-656,851$-704,674▼ $47,823
Total Liabilities and Net Assets / Fund Balance$468,977$489,491▲ $20,514

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$486,701--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeOtherTotal
Kerry JensenSecretary/controllerPT$145,659$145,659
Lillian NovakChief Communications OfficerPT$128,667$128,667
Gloria ScottCredit and Risk Solutions ConsultantPT$127,746$127,746

Board Members and Trustees

NameTitle
Brent HeizelmanChair
Phillip J LattanzioPresident
Jeff WeberVice Chair
Alicja GorskiDirector
Amy CookDirector
Caroline PerkinsDirector
Curtis LitchfieldDirector
Jack MauroDirector
Jordan PeloquinDirector
Joseph LangeDirector
Kendra GerdesDirector
Martine DyerDirector
Shelby CockcroftDirector
Zeb MillerDirector
Brendon MisikCounselor
Gregory SteinkoenigManager of Credit Solution
Deb RollmanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$75,227
Program Service Revenue
$11,148
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$25,627
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$53,180
Salaries, Compensation, and Employee Benefits$7,568
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$6,799
Conferences and Meetings---$2,597
Insurance---$758
Payroll Taxes---$549
Fees for Services Accounting---$545
Other Expenses---$490
Other Employee Benefits---$220
Total Functional Expenses$0$0$0$60,748
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
Yes
Subject to proxy tax
Yes
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Closely Held Equity Interest$1,154,272
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization is an association with members.”

Form 990, Part VI, Section A, Line 7A

“The association has only one type of member. The membership is made up of professionals in the business credit and financial management fields.”

Form 990, Part VI, Section A, Line 7B

“Certain changes to the organization's governing documents are subject to a member vote.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is inspected by the controller and president/chief operating officer before filing.”

Form 990, Part VI, Section B, Line 15

“The board of directors determines and approves the compensation of the president. The president determines the salaries of the other officers/key employees during an annual review process. Officer compensation is paid by the association's wholly-owned, for-profit subsidiary, chicago-midwest credit service corp.”

Form 990, Part VI, Section C, Line 19

“Governing documents, financial statements and tax filings are available for public inspection upon request.”

Filing and Contact Details

Filer

Filer Name
Nacm Northeast Inc
EIN
94-3435090
Phone
8474836405
Address
3005 TOLLVIEW DRIVE, ROLLING MEADOWS, IL 60008

Signing Officer

Name
Phillip Lattanzio
Title
President
Phone
8474836405
Signed
2025-08-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Phillip Lattanzio
Formed
2008
Legal Domicile
Il
Voting Board Members
15
Independent Board Members
15
Employees
0
Volunteers
15

Preparer

Firm
Cliftonlarsonallen Llp
Address
2021 SPRING ROAD SUITE 200, OAK BROOK, IL 60523
Preparer
Thure Ross CPA
Phone
6305738600
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Decrease in value of investment in buffalo subsidiary -16,394. Decrease in value of investment in new england subsidiary -57,056.”

Form 990, Part XII, Line 2C

“The process for overseeing and selecting an independent accountant has not changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“The organization consists of both not-for-profit associations, for-profit subsidiaries, and a limited liability company (llc). The associations are not-for-profit entities, described in section 501(c)(6) of the internal revenue code, except for the st. Louis association of credit management, which is described in section 501(c)(3) and are exempt from income taxes, except to the extent of any unrelated business income. There was no unrelated business income for the years ended march 31, 2025 and 2024. Accordingly, no provision for income taxes for the associations is included in the consolidated financial statements. The subsidiaries are subject to income taxes, and use the asset/liability method of accounting for income taxes. The organization determined that it was not required to record a liability for unrecognized tax benefits as of march 31, 2025 and 2024.”

Raw XML AppendixShowing 400 of 591 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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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt16141191
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt17126508
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt18127305
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt19144351
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14COUNSELOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt16SECRETARY/CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt17CHIEF COMMUNICATIONS OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt18CREDIT AND RISK SOLUTIONS CONSULTANT
IRS990/Form990PartVIISectionAGrp/TitleTxt19MANAGER OF CREDIT SOLUTION
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr02008
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
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IRS990/IndoorTanningServicesInd00
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IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE A FORUM TO MEMBERS WITHIN THE CREDIT PROFESSION FOR EDUCATION, NETOWRKING AND BUSINESS RESOURCES.
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IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0-656851
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IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0-656851
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0-704674
IRS990/NondeductibleContributionsInd00
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
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IRS990/OtherAssetsTotalGrp/BOYAmt0465128
IRS990/OtherAssetsTotalGrp/EOYAmt0486701
IRS990/OtherChangesInNetAssetsAmt0-73450
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0220
IRS990/OtherExpensesGrp/Desc0ADMINISTRATIVE EXPENSES
IRS990/OtherExpensesGrp/Desc1BUREAU ASSESSMENT
IRS990/OtherExpensesGrp/Desc2NON-RENEWAL WRITE-OFF
IRS990/OtherExpensesGrp/Desc3BOOKS AND PUBLICATION
IRS990/OtherExpensesGrp/TotalAmt032004
IRS990/OtherExpensesGrp/TotalAmt115304
IRS990/OtherExpensesGrp/TotalAmt21482
IRS990/OtherExpensesGrp/TotalAmt3490
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IRS990/OtherSalariesAndWagesGrp/TotalAmt06799
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IRS990/PayrollTaxesGrp/TotalAmt0549
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IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0PHILLIP LATTANZIO
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IRS990ScheduleC/AgreeCarryoverPriorYearInd00
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IRS990ScheduleC/SubstantiallyAllDuesNondedInd01
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0DUE FROM SUBSIDIARY
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CLOSELY HELD EQUITY INTEREST
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION CONSISTS OF BOTH NOT-FOR-PROFIT ASSOCIATIONS, FOR-PROFIT SUBSIDIARIES, AND A LIMITED LIABILITY COMPANY (LLC). THE ASSOCIATIONS ARE NOT-FOR-PROFIT ENTITIES, DESCRIBED IN SECTION 501(C)(6) OF THE INTERNAL REVENUE CODE, EXCEPT FOR THE ST. LOUIS ASSOCIATION OF CREDIT MANAGEMENT, WHICH IS DESCRIBED IN SECTION 501(C)(3) AND ARE EXEMPT FROM INCOME TAXES, EXCEPT TO THE EXTENT OF ANY UNRELATED BUSINESS INCOME. THERE WAS NO UNRELATED BUSINESS INCOME FOR THE YEARS ENDED MARCH 31, 2025 AND 2024. ACCORDINGLY, NO PROVISION FOR INCOME TAXES FOR THE ASSOCIATIONS IS INCLUDED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE SUBSIDIARIES ARE SUBJECT TO INCOME TAXES, AND USE THE ASSET/LIABILITY METHOD OF ACCOUNTING FOR INCOME TAXES. THE ORGANIZATION DETERMINED THAT IT WAS NOT REQUIRED TO RECORD A LIABILITY FOR UNRECOGNIZED TAX BENEFITS AS OF MARCH 31, 2025 AND 2024.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt0486701
IRS990ScheduleD/TotalLiabilityAmt01154272
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt13617
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt0178584
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt172750
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt11572
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt021477
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt121640
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt167984
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PHILLIP J LATTANZIO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1GREGORY STEINKOENIG
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1MANAGER OF CREDIT SOLUTION
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0227767
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt1167563
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0SERVICES FOR THE CORPORATION ARE PERFORMED BY EMPLOYEES OF CHICAGO-MIDWEST CREDIT SERVICE CORP.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3:
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS AN ASSOCIATION WITH MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ASSOCIATION HAS ONLY ONE TYPE OF MEMBER. THE MEMBERSHIP IS MADE UP OF PROFESSIONALS IN THE BUSINESS CREDIT AND FINANCIAL MANAGEMENT FIELDS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN CHANGES TO THE ORGANIZATION'S GOVERNING DOCUMENTS ARE SUBJECT TO A MEMBER VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 IS INSPECTED BY THE CONTROLLER AND PRESIDENT/CHIEF OPERATING OFFICER BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS DETERMINES AND APPROVES THE COMPENSATION OF THE PRESIDENT. THE PRESIDENT DETERMINES THE SALARIES OF THE OTHER OFFICERS/KEY EMPLOYEES DURING AN ANNUAL REVIEW PROCESS. OFFICER COMPENSATION IS PAID BY THE ASSOCIATION'S WHOLLY-OWNED, FOR-PROFIT SUBSIDIARY, CHICAGO-MIDWEST CREDIT SERVICE CORP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS, FINANCIAL STATEMENTS AND TAX FILINGS ARE AVAILABLE FOR PUBLIC INSPECTION UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DECREASE IN VALUE OF INVESTMENT IN BUFFALO SUBSIDIARY -16,394. DECREASE IN VALUE OF INVESTMENT IN NEW ENGLAND SUBSIDIARY -57,056.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE PROCESS FOR OVERSEEING AND SELECTING AN INDEPENDENT ACCOUNTANT HAS NOT CHANGED FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd10
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd20
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd31
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd40
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingEntityName/BusinessNameLine1Txt0NACM NORTHEAST INC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd0N/A

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