Aca International FY2020 filing

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501(c)(6) business league; gifts are not tax-deductible as charitable contributions.
$1.3M paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Pay: Part VII

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FY2020 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(6)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
No
Donations are not tax-deductible
Worth a look: the IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
2 of 5
filings with a surplus
Average surplus $630K a year · 7% of revenue · last 5 filings
Worth a look: a surplus in 2 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Pay to officers and key staff
$1.3M
to officers and key staff · 18% of spending
Fine: pay to officers and key staff is 18% of spending; 15% to 20%.
Pt VII · Sec A
9 mo
of spending, in cash
Looks good: 8.8 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $10K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$1.4M
14% of total assets
Looks good: liabilities are 14% of assets; 50% or less.
Pt X · Ln 26
Independent board members
15
of 15 voting members
Looks good: 15 of 15 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$9.4M
Spent
$7.2M
Net assets
$9.0M
By yearFY2020–FY2024
Revenue
$9.4M
FY2020
Tap a bar for its year
Revenue by fiscal year
FY2020$9.4M
FY2021$9.3M
FY2022$9.0M
FY2023$8.6M
FY2024$8.6M
Expenses
$7.2M
FY2020
Tap a bar for its year
Expenses by fiscal year
FY2020$7.2M
FY2021$8.2M
FY2022$9.2M
FY2023$8.6M
FY2024$8.6M
Net assets
$9.0M
FY2020
Tap a bar for its year
Net assets by fiscal year
FY2020$9.0M
FY2021$10.2M
FY2022$9.6M
FY2023$10.0M
FY2024$10.2M

From the FY2020 Form 990 · figures checked against the IRS filing · see the original

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You’re viewing the FY2020 filing — not the latest on file. See the latest (FY2024) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Mar 1945.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

25 people listed on the 990; $1.3M paid to officers and key staff.

Part VII, Section A · reportable compensation
$419,931Pt VII · Sec A
VP & Senior Counsel of Fed Advocacy
$212,547Pt VII · Sec A
VP and General Counsel
$181,312Pt VII · Sec A
Chief Operating Officer
$164,016Pt VII · Sec A
VP of Member Experience
$138,084Pt VII · Sec A
VP of State and Government Affairs
$131,078Pt VII · Sec A
President Elect Thru July/President
$4,200Pt VII · Sec A
President Thru July/Past President
$3,000Pt VII · Sec A

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2024FY2023FY2022FY2021FY2020
Mark Neeb———$428,593$419,931
G Scott Purcell$328,830$328,577$293,091$3,000$4,200
Leah Dempsey———$221,152$212,547
Issa Moe——$198,075——
Ted Smith—$197,769$190,164——
Issa K Moe———$190,963$181,312
Ted M Smith———$182,729$164,016
Andrew Madden$155,824$167,634$146,410—$131,078

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Promotes member success, industry reputation, and economic health.

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Provided by the organization

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3 programs · in their own filed words · FY2020
01

Conventions, Meetings, Conferences and Workshops

During the fiscal year, aca conducted seven conferences which consisted of an annual convention and exposition, and a variety of face-to-face workshops to educate members on industry news, trends, practices and regulations. A grand total of 1,499 members registered for these conferences.

Pt IX · col B
02

Credentialing

Aca offers 10 designations and certificates which can be achieved by attending and completing course requirements in the fiscal year, 744 designations and certificates were awarded to credit and collection professionals and agencies.

Pt IX · col B
03

Training Delivery

A total of 9,770 credit and collection professionals received industry specific training through face to face seminars, online seminars, teleseminars and web courses.

Pt IX · col B

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · funders on record
Grants received · FY2024
Total grants receivedfrom 1 funder$10K

By the numbers

The FY2020 990, line by line.

1The main four
Money inPt VIII
$9.4M
Ln 12
Fees for servicesLn 2g$4.8M
Other incomeLn 4–11$4.4M
Investment incomeLn 3$91K
Money outPt IX
$7.2M
Ln 25
Owns and owesPt X
$9.0M
net assets · Ln 32
Cash and savingsLn 1–2$5.2M
Total assetsLn 16$10.4M
LiabilitiesLn 26$1.4M
PeoplePt VI, VII
25
listed · VII A
PaidVII A8
Voting boardVI 1a15
IndependentVI 1b15
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$80K
Fees for servicesLn 2g$4.8M
Investment incomeLn 3$91K
Other incomeLn 4–11$4.4M
Total revenueLn 12$9.4M
Assets in detailPt X, end of year
CashLn 1$300
SavingsLn 2$5.2M
Cash and savings togetherLn 1–2$5.2M
InvestmentsLn 11–13$3.7M
Land, buildings, equipmentLn 10c$1.2M
Other assetsLn 15$13K
Total assetsLn 16$10.4M
LiabilitiesLn 26$1.4M
Net assetsLn 32$9.0M
OperationsPt I, VI
EmployeesI 553
VolunteersI 615
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY20End FY20
Cash and savingsLn 1–2$6.1M$5.2M
InvestmentsLn 11–13$1.8M$3.7M
Land, buildings, equipmentLn 10c$1.2M$1.2M
Total assetsLn 16$9.6M$10.4M
LiabilitiesLn 26$2.9M$1.4M
Net assetsLn 32$6.7M$9.0M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$451K
Other salaries and wagesLn 7$3.1M
Pension plan contributionsLn 8$99K
Other employee benefitsLn 9$271K
Payroll taxesLn 10$255K
Legal feesLn 11b$6K
Accounting feesLn 11c$24K
Other fees for servicesLn 11g$790K
Advertising and promotionLn 12$128K
Office expensesLn 13$186K
Information technologyLn 14$749K
OccupancyLn 16$368K
TravelLn 17$26K
Conferences, conventions and meetingsLn 19$452K
Depreciation, depletion and amortizationLn 22$42K
InsuranceLn 23$48K
Other expenses (24a–d)Ln 24$162K
Total functional expensesLn 25$7.2M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest $8.6M$8.6M−$26K$10.2M 990 PDF
FY2023 $8.6M$8.6M−$3K$10.0M 990 PDF
FY2022 $9.0M$9.2M−$171K$9.6M 990 PDF
FY2021 $9.3M$8.2M$1.1M$10.2M 990 PDF
FY2020 Viewing $9.4M$7.2M$2.2M$9.0M 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support J · Pay O · Explanations
See the full FY2020 990 (6 parts)
Part I · Summary $9,379,127 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $146,147$80,411
I-9 Program service revenuePrior year $5,972,436$4,781,750
I-10 Investment incomePrior year $72,436$90,915
I-11 Other revenuePrior year $2,221,692$4,426,051
I-12 Total revenuePrior year $8,412,711$9,379,127
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $4,193,305$4,174,785
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $3,987,640$2,979,426
I-18 Total expensesPrior year $8,180,945$7,154,211
I-19 Revenue less expensesPrior year $231,766$2,224,916
Part VI · Governance 15 of 15 board members independent, no flags
VI-1a Voting members of the governing body15
VI-1b Independent voting members15
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $9,379,127 across 8 lines filed
Lines not itemized here account for $640,798 of total revenue; see the IRS return.
VIII-1f All other contributions, gifts and grants$80,411
VIII-1h Total contributions, gifts and grants$80,411
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $4,662,350$4,662,350
VIII-3 Investment incomeExcluded from tax $90,915$90,915
VIII-5 RoyaltiesExcluded from tax $699,962$699,962
VIII-6 Net rental income or lossExcluded from tax $103,427$103,427
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $2,442,612 · Unrelated business $658,652$3,101,264
VIII-12 Total revenueRelated to mission $7,718,240 · Unrelated business $686,172 · Excluded from tax $894,304$9,379,127
Part IX · Statement of functional expenses $7,154,211 across 17 lines filed
IX-5 Pay of current officers, directors and key staff$450,580
IX-7 Other salaries and wages$3,100,518
IX-8 Pension plan contributions$98,511
IX-9 Other employee benefits$270,582
IX-10 Payroll taxes$254,594
IX-11b Legal fees$6,399
IX-11c Accounting fees$24,278
IX-11g Other fees for services$789,598
IX-12 Advertising and promotion$127,536
IX-13 Office expenses$185,548
IX-14 Information technology$749,341
IX-16 Occupancy$367,828
IX-17 Travel$25,764
IX-19 Conferences, conventions and meetings$451,715
IX-22 Depreciation, depletion and amortization$42,040
IX-23 Insurance$47,796
IX-24 Other expenses (24a–d)$161,583
IX-25 Total functional expenses$7,154,211
Part X · Balance sheet $10,423,338 assets, 15 lines filed
X-1 Cash, non-interest-bearingStart of year $300$300
X-2 Savings and temporary cash investmentsStart of year $6,146,227$5,220,479
X-4 Accounts receivableStart of year $302,413$170,114
X-8 Inventories for sale or useStart of year $6,749$5,462
X-9 Prepaid expenses and deferred chargesStart of year $136,655$123,143
X-10c Land, buildings and equipment, netStart of year $1,184,597$1,150,477
X-12 Other securitiesStart of year $1,774,773$3,740,504
X-15 Other assetsStart of year $7,279$12,859
X-16 Total assetsStart of year $9,558,993$10,423,338
X-17 Accounts payable and accrued expensesStart of year $642,462$495,875
X-19 Deferred revenueStart of year $2,256,815$942,765
X-26 Total liabilitiesStart of year $2,899,277$1,438,640
X-27 Net assets without donor restrictionsStart of year $6,659,716$8,984,698
X-32 Total net assets or fund balancesStart of year $6,659,716$8,984,698
X-33 Total liabilities and net assetsStart of year $9,558,993$10,423,338
Part XI · Reconciliation of net assets $8,984,698 net assets at year end
XI-1 Total revenue$9,379,127
XI-2 Total expenses$7,154,211
XI-3 Revenue less expenses$2,224,916
XI-4 Net assets at start of year$6,659,716
XI-5 Net unrealized gains (losses) on investments$100,066
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$8,984,698

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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