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Nonprofit · EIN 35-1877818

NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC

Also known as N A I C R A

Tax-exempt · COUNCIL BLFS, IA 51503

Financials

$285K$415K2023$515K$349K2024
Revenue Expenses · by fiscal year end
Financials of NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2024990 (amended)$514,509$348,876$165,633$270,208$0$270,208
December 31, 2023990$284,991$415,075-$130,084$107,001$3,275$103,726
Financial details: 990 for the year ended December 31, 2024

Revenue

Contributions, gifts and grants
$94,325
Membership dues
$94,325
Program service revenue
$197,724
Investment income
$0
Royalties
$222,460
Other revenue
$222,460

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$150,109
Salaries, compensation and benefits (total)
$179,666
Professional fundraising fees
$0
Legal fees
$75,439
Accounting fees
$17,204
Occupancy
$3,005
Travel
$721
Depreciation
$1,600
Program services (functional)
$194,607
Management and general (functional)
$154,269

Balance sheet and other

Total assets, start of year
$107,001
Total assets, end of year
$270,208
Total liabilities, end of year
$0
Net assets, end of year
$270,208
Land, buildings and equipment
$23,327
Net assets without donor restrictions
$270,208
Gross receipts
$514,509
Employees
3
Volunteers
10
Year formed
1992
State of legal domicile
IA

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2024, highest compensation first.

NameTitleHours / weekCompensation
TERRY CLEMANSEXECUTIVE DIRECTOR
Key employee
40$127,500
EVON BUTTERWORTHDIRECTOR
Trustee or director
1$0
RUSS DONNANDIRECTOR
Trustee or director
1$0
JEFF GENTRYDIRECTOR
Trustee or director
1$0
DEBBIE LOYNINGTREASURER/VICE PRESIDENT
Trustee or director, Officer
1$0
BOB BENAVIDESDIRECTOR
Trustee or director
1$0
SARAH BOYDSECRETARY
Trustee or director
1$0
MIKE BROWNDIRECTOR
Trustee or director
1$0
LISA LEGEREDIRECTOR
Trustee or director
1$0
JIM NORMANDIRECTOR
Trustee or director
1$0
KRISTI MERGENHAGENDIRECTOR
Trustee or director
1$0
HEATHER RUSSELL-SCHROEDERPRESIDENT
Officer
1$0
LUZ RAMOSEMPLOYEE
Key employee
40$0
ROY GOODWINEMPLOYEE
Key employee
25$0
990 for the year ended December 31, 2023: 14 people
NameTitleHours / weekCompensation
MIKE THOMASDIRECTOR
Trustee or director
1$0
RUSS DONNANDIRECTOR
Trustee or director
1$0
JEFF GENTRYDIRECTOR
Trustee or director
1$0
DEBBIE LYONINGTREASURER
Trustee or director, Officer
1$0
BOB BENAVIDESDIRECTOR
Trustee or director
1$0
SARAH BOYDDIRECTOR
Trustee or director
1$0
TERRY CLEMANSEXEC DIRECTOR
Key employee, Highest-paid employee
40$0
MIKE BROWNDIRECTOR
Trustee or director
1$0
LISA LEGEREDIRECTOR
Trustee or director
1$0
JIM NORMANDIRECTOR
Trustee or director
1$0
HEATHER RUSSELL-SCHROEDERPRESIDENT
Officer
1$0
KRISTI MERGENHAGENDIRECTOR
Trustee or director
1$0
LUCY RAMOSEMPLOYEE
Highest-paid employee
40$0
ROY GOODWINEMPLOYEE
Highest-paid employee
40$0

Address and contacts

Address (IRS master file)
225 S MAIN ST, COUNCIL BLFS, IA 51503-6504
In care of
% THOMAS W DENT
Principal officer (990 for 2024)
DEBBIE LOYNING, PO BOX 186, COUNCIL BLUFFS, IA 51502
Signed the 990
ERIC J ELLMAN, PRESIDENT
Phone
(630) 539-1525
Return prepared by
CRC ADVISORY LLC

Mission

TRADE ASSOCIATION FOR CREDIT REPORTING INDUSTRY

990 for the year ended December 31, 2024

Program accomplishments

  • PROMOTING CREDIT REPORTING INDUSTRY
    Expenses $194,607 · revenue $420,184

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026Not on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
35-1877818
Tax-exempt status
501(c)(6): Business league or chamber of commerce
Donations deductible
No
Exempt since
1994
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$270,208
Income (IRS master file)
$514,509

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2024$514,509$348,876$270,208XML
990December 2023$284,991$415,075$107,001XML
990December 2022$472,384$594,947$238,386IRS
990December 2021–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 35-1877818).

Questions about NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC

What is the EIN of NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC?
The employer identification number (EIN) of NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC is 35-1877818.
Is NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(6) since 1994.
Are donations to NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC due?
The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
When did NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2024.
Who is the principal officer of NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC?
The 990 for the year ended December 31, 2024 names DEBBIE LOYNING.
Who are the officers and directors of NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC?
The 990 for the year ended December 31, 2024 lists 14 people; 1 received compensation from the organization, the highest $127,500 (TERRY CLEMANS, EXECUTIVE DIRECTOR).
How much revenue does NATIONAL ASSOCIATION OF INDEPENDENT CREDIT REPORTING AGENCIES INC have?
On its 990 for the year ended December 31, 2024 it reported revenue of $514,509, expenses of $348,876 and total assets of $270,208 at year end.

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