International Association Of Credit Portfolio Managers Inc
International Association Of Credit Portfolio Managers consistently grows revenue and assets with no reported officer compensation.
EIN: 134184184 · New York, NY · NTEE: S46 · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $4.2M |
| Total Expenses | $3.5M |
| Program Spending | 85% |
| CEO/Top Officer Pay | $3.6 |
| Net Assets | $1.6M |
| Transparency Score | 85/100 |
Is International Association Of Credit Portfolio Managers Inc Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
International Association Of Credit Portfolio Managers Inc directs 85% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About International Association Of Credit Portfolio Managers Inc
International Association Of Credit Portfolio Managers Inc (EIN: 134184184) is a nonprofit organization based in New York, NY, classified under NTEE code S46. The organization reported total revenue of $4.2M and total assets of $4.8M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of International Association Of Credit Portfolio Managers Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
International Association Of Credit Portfolio Managers Inc is a mid-size nonprofit that has been operating for 24 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 3.5%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $3.7M |
| Total Expenses | $3.5M |
| Surplus / Deficit | +$157K |
| Total Assets | $4.3M |
| Total Liabilities | $2.6M |
| Net Assets | $1.6M |
| Operating Margin | 4.2% |
| Debt-to-Asset Ratio | 61.8% |
| Months of Reserves | 14.5 months |
Financial Health Grade: A
In 2023, International Association Of Credit Portfolio Managers Inc reported a surplus of $157K with revenue exceeding expenses, holds 14.5 months of operating reserves (strong position), has a debt-to-asset ratio of 61.8% (high leverage).
Financial Trends
Over 13 years of filings (2011–2023), International Association Of Credit Portfolio Managers Inc's revenue has grown at a compound annual growth rate (CAGR) of 3.5%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +26.0% | +22.4% | +15.1% |
| 2022 | +21.1% | +17.0% | +7.1% |
| 2021 | +0.4% | -8.7% | -0.4% |
| 2020 | -15.9% | -1.4% | +9.3% |
| 2019 | +2.5% | +6.4% | +4.9% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2002 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates International Association Of Credit Portfolio Managers Inc with a Mission Score of 85 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 10%
- programs: 85%
- fundraising: 5%
According to IRS 990 filings, International Association Of Credit Portfolio Managers Inc allocates its expenses as follows: admin: 10%, programs: 85%, fundraising: 5%. With 85% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $157K, with revenue exceeding expenses.
- Debt-to-asset ratio: 61.8%.
Executive Compensation Analysis
Executive compensation is reported as 0% across all available filings, indicating that no compensation was paid to officers, directors, trustees, or key employees, which is highly unusual for an organization of this size with over $3.6 million in annual revenue.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of International Association Of Credit Portfolio Managers Inc's IRS 990 filings:
- Consistent 0% officer compensation for an organization with over $3.6M in revenue is unusual and warrants further inquiry into how leadership is compensated or structured.
Strengths
The following positive indicators were identified for International Association Of Credit Portfolio Managers Inc:
- Consistent revenue growth, from $1,345,628 in 2015 to $3,695,901 in 2023, demonstrates strong financial health.
- Healthy asset growth, with assets increasing from $2,739,929 in 2015 to $4,277,566 in 2023, indicating sound financial management.
- Regularly operates with a surplus, such as in 2023 where revenue ($3,695,901) exceeded expenses ($3,539,072), contributing to financial stability.
- Excellent compliance with IRS regulations, evidenced by 13 consistent 990 filings.
- Low liability-to-asset ratio, with assets consistently exceeding liabilities, indicating a strong balance sheet.
Frequently Asked Questions about International Association Of Credit Portfolio Managers Inc
Is International Association Of Credit Portfolio Managers Inc a legitimate charity?
International Association Of Credit Portfolio Managers Inc (EIN: 134184184) is a registered tax-exempt nonprofit based in New York. Our AI analysis gives it a Mission Score of 85/100. It has 13 years of IRS 990 filings on record. Total revenue: $4.2M. 1 red flag identified. 5 strengths noted. Financial health grade: A.
How does International Association Of Credit Portfolio Managers Inc spend its money?
International Association Of Credit Portfolio Managers Inc directs 85% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to International Association Of Credit Portfolio Managers Inc tax-deductible?
International Association Of Credit Portfolio Managers Inc is registered as a tax-exempt nonprofit (EIN: 134184184). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How much does the International Association Of Credit Portfolio Managers Inc CEO make?
International Association Of Credit Portfolio Managers Inc's highest-compensated officer earns $3.6 annually. The organization reported $4.2M in total revenue. Executive compensation data is disclosed in IRS 990 filings.
What percentage of International Association Of Credit Portfolio Managers Inc's spending goes to programs?
International Association Of Credit Portfolio Managers Inc directs 85% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does International Association Of Credit Portfolio Managers Inc compare to similar nonprofits?
With a transparency score of 85/100 (Excellent), International Association Of Credit Portfolio Managers Inc is above average for NTEE category S46 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is International Association Of Credit Portfolio Managers Inc located?
International Association Of Credit Portfolio Managers Inc is headquartered in New York, New York and files with the IRS under EIN 134184184. It is classified under NTEE code S46.
How many years of IRS 990 filings does International Association Of Credit Portfolio Managers Inc have?
International Association Of Credit Portfolio Managers Inc has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $4.2M in total revenue.
How does IACPM manage to operate with 0% officer compensation?
The filings consistently report 0% officer compensation. This could mean that leadership roles are filled by volunteers, or compensation is structured in a way that it is not reported under 'officer compensation' on the 990, or it is covered by another entity. Further investigation into their operational model would be needed.
What are the primary programs of IACPM?
Based on the NTEE code S46 (Professional Societies & Associations), IACPM likely focuses on professional development, networking, and advocacy for credit portfolio managers. Specific program details would require reviewing their website or other public materials, as the 990 summary does not detail program activities.
Is IACPM financially stable?
Yes, IACPM appears financially stable. It has consistently grown its revenue from $1.3 million in 2015 to $3.6 million in 2023, and its assets have increased from $2.7 million to $4.2 million over the same period, indicating a healthy financial position and ability to cover liabilities.
Filing History
IRS 990 filing history for International Association Of Credit Portfolio Managers Inc showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), International Association Of Credit Portfolio Managers Inc's revenue has grown by 50.7%, moving from $2.5M to $3.7M. Total assets increased by 69.6% over the same period, from $2.5M to $4.3M. Total functional expenses rose by 31.4%, from $2.7M to $3.5M. In its most recent filing year (2023), International Association Of Credit Portfolio Managers Inc reported a surplus of $157K, with revenue exceeding expenses. The organization holds $2.6M in liabilities against $4.3M in assets (debt-to-asset ratio: 61.8%), resulting in net assets of $1.6M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $3.7M | $3.5M | $4.3M | $2.6M | — | View 990 |
| 2022 | $2.9M | $2.9M | $3.7M | $2.2M | — | View 990 |
| 2021 | $2.4M | $2.5M | $3.5M | $2.0M | — | View 990 |
| 2020 | $2.4M | $2.7M | $3.5M | $2.0M | — | — |
| 2019 | $2.9M | $2.7M | $3.2M | $1.4M | — | View 990 |
| 2018 | $2.8M | $2.6M | $3.0M | $1.4M | — | View 990 |
| 2017 | $2.6M | $2.7M | $2.8M | $1.4M | — | View 990 |
| 2016 | $2.6M | $2.6M | $2.8M | $1.3M | — | View 990 |
| 2015 | $1.3M | $1.4M | $2.7M | $1.3M | — | View 990 |
| 2014 | $2.5M | $2.4M | $2.7M | $1.1M | — | View 990 |
| 2013 | $2.3M | $2.3M | $2.4M | $1.1M | — | View 990 |
| 2012 | $2.2M | $2.3M | $2.3M | $936K | — | View 990 |
| 2011 | $2.5M | $2.7M | $2.5M | $1.1M | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $3.7M, expenses of $3.5M, and assets of $4.3M (revenue +26.0% year-over-year).
- 2022: Revenue of $2.9M, expenses of $2.9M, and assets of $3.7M (revenue +21.1% year-over-year).
- 2021: Revenue of $2.4M, expenses of $2.5M, and assets of $3.5M (revenue +0.4% year-over-year).
- 2020: Revenue of $2.4M, expenses of $2.7M, and assets of $3.5M (revenue -15.9% year-over-year).
- 2019: Revenue of $2.9M, expenses of $2.7M, and assets of $3.2M (revenue +2.5% year-over-year).
- 2018: Revenue of $2.8M, expenses of $2.6M, and assets of $3.0M (revenue +6.9% year-over-year).
- 2017: Revenue of $2.6M, expenses of $2.7M, and assets of $2.8M (revenue +0.7% year-over-year).
- 2016: Revenue of $2.6M, expenses of $2.6M, and assets of $2.8M (revenue +93.2% year-over-year).
- 2015: Revenue of $1.3M, expenses of $1.4M, and assets of $2.7M (revenue -46.2% year-over-year).
- 2014: Revenue of $2.5M, expenses of $2.4M, and assets of $2.7M (revenue +8.9% year-over-year).
- 2013: Revenue of $2.3M, expenses of $2.3M, and assets of $2.4M (revenue +4.0% year-over-year).
- 2012: Revenue of $2.2M, expenses of $2.3M, and assets of $2.3M (revenue -9.9% year-over-year).
- 2011: Revenue of $2.5M, expenses of $2.7M, and assets of $2.5M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for International Association Of Credit Portfolio Managers Inc:
Data Sources and Methodology
This transparency report for International Association Of Credit Portfolio Managers Inc is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.