National Association Of Independent Credit Reporting Agencies Inc

N A I C R A

Council Blfs, IA
Tax-exempt since March 1994
EIN: 35-1877818

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Type of Nonprofit

Designated as a 501(c)(6) Business leagues, chambers of commerce, real estate boards, etc, created for the improvement of business conditions.

Category: Community Improvement, Capacity Building / Promotion of Business (NTEE)

Donations to this organization are not tax deductible.

Details

According to its Dec. 2024 tax filing, this nonprofit:

Reported conflict of interest transactions

Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Revenue

$477k (2024)

Expenses

$312k (2024)

Total Assets

$270k (2024)

Total Liabilities

$0 (2024)

Years with missing data

Source: Form 990 tax filings from 2011 to 2024

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2024

Revenue

$477,183

Expenses

$311,550

Net Income

$165,633

Net Assets

$270,208

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$94,325	19.8%
Program Services	$88,749	18.6%
Investment Income	$0
Bond Proceeds	$0
Royalties	$222,460	46.6%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$150,109	48.2%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$270,208
Total Liabilities	$0
Net Assets	$270,208

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Evon Butterworth (Director)	$0	$0	$0
Russ Donnan (Director)	$0	$0	$0
Jeff Gentry (Director)	$0	$0	$0
Debbie Loyning (Treasurer/Vice Pres)	$0	$0	$0
Bob Benavides (Director)	$0	$0	$0
Sarah Boyd (Secretary)	$0	$0	$0
Terry Clemans (Exec Director)	$0	$0	$0
Mike Brown (Director)	$0	$0	$0
Lisa Legere (Director)	$0	$0	$0
Jim Norman (Director)	$0	$0	$0
Heather Russell Schroeder (President)	$0	$0	$0
Kristi Mergenhagen (Director)	$0	$0	$0
Luz Ramos (Employee)	$0	$0	$0
Roy Goodwin (Employee)	$0	$0	$0

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990

Filed on Nov. 7, 2025

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

XML

Fiscal Year Ending Dec.
2023

Revenue

$284,991

Expenses

$415,075

Net Income

-$130,084

Net Assets

$103,726

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$72,833	25.6%
Program Services	$41,910	14.7%
Investment Income	$8	0.0%
Bond Proceeds	$0
Royalties	$153,966	54.0%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$5,000	1.8%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$256,330	61.8%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$107,001
Total Liabilities	$3,275
Net Assets	$103,726

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Mike Thomas (Director)	$0	$0	$0
Russ Donnan (Director)	$0	$0	$0
Jeff Gentry (Director)	$0	$0	$0
Debbie Lyoning (Treasurer)	$0	$0	$0
Bob Benavides (Director)	$0	$0	$0
Sarah Boyd (Director)	$0	$0	$0
Terry Clemans (Exec Director)	$0	$0	$0
Mike Brown (Director)	$0	$0	$0
Lisa Legere (Director)	$0	$0	$0
Jim Norman (Director)	$0	$0	$0
Heather Russell Schroeder (President)	$0	$0	$0
Kristi Mergenhagen (Director)	$0	$0	$0
Lucy Ramos (Employee)	$0	$0	$0
Roy Goodwin (Employee)	$0	$0	$0

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990

Filed on Nov. 21, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

XML

Fiscal Year Ending Dec.
2022

Revenue

$472,384

Expenses

$594,947

Net Income

-$122,563

Net Assets

$236,111

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$88,100	18.7%
Program Services	$35,895	7.6%
Investment Income	$52	0.0%
Bond Proceeds	$0
Royalties	$270,438	57.2%
Rental Property Income	$0
Net Fundraising	$77,899	16.5%
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$341,786	57.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$238,386
Total Liabilities	$2,275
Net Assets	$236,111

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Terry Clemans (Exec Director)	$166,041	$0	$40,000
Roy Goodwin (Employee)	$55,000	$0	$0
Lucy Ramos (Employee)	$38,000	$0	$0
Mike Thomas (Director)	$0	$0	$0
Jeannie Baker (Director)	$0	$0	$0
Jeff Gentry (Treasurer)	$0	$0	$0
Debbie Lyoning (Director)	$0	$0	$0
Delia Zuniga (President)	$0	$0	$0
Mary Campbell (Director)	$0	$0	$0
Mike Brown (Director)	$0	$0	$0
Lisa Legere (Director)	$0	$0	$0
Jim Norman (Director)	$0	$0	$0
Heather Russell Schroeder (Director)	$0	$0	$0
Kristi Mergenhagen (Director)	$0	$0	$0

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990

Filed on Nov. 17, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2021

Revenue

$397,096

Expenses

$570,364

Net Income

-$173,268

Net Assets

$318,114

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$310,039	78.1%
Program Services	$0
Investment Income	$5,173	1.3%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$81,884	20.6%
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$367,664	64.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$318,887
Total Liabilities	$773
Net Assets	$318,114

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Mike Thomas (Director)	$0	$0	$0
Maureen Devine (Director)	$0	$0	$0
Jackie Drziak (Director)	$0	$0	$0
Jeannie Baker (Director)	$0	$0	$0
William Bower (Ex Officio)	$0	$0	$0
Jeff Gentry (Treasurer)	$0	$0	$0
Debbie Lyoning (President)	$0	$0	$0
Delia Zuniga (Vice President)	$0	$0	$0
Mary Campbell (Director)	$0	$0	$0
Terry Clemans (Exec Director)	$0	$0	$0
Mike Brown (Director)	$0	$0	$0
Lisa Legere (Director)	$0	$0	$0
Jim Norman (Director)	$0	$0	$0

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990

Filed on Nov. 15, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

XML

Fiscal Year Ending Dec.
2019

Revenue

$426,798

Expenses

$622,913

Net Income

-$196,115

Net Assets

$531,366

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$394,354	92.4%
Program Services	$0
Investment Income	$3,764	0.9%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$28,680	6.7%
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$295,355	47.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$533,740
Total Liabilities	$2,374
Net Assets	$531,366

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2018

Revenue

$515,902

Expenses

$552,903

Net Income

-$37,001

Net Assets

$727,481

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$438,877	85.1%
Program Services	$0
Investment Income	$6,348	1.2%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$70,677	13.7%
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$213,260	38.6%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$729,706
Total Liabilities	$2,225
Net Assets	$727,481

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2017

Revenue

$499,898

Expenses

$388,497

Net Income

$111,401

Net Assets

$792,099

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$480,338	96.1%
Program Services	$0
Investment Income	$6,819	1.4%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$12,741	2.5%
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$205,006	52.8%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$794,249
Total Liabilities	$2,150
Net Assets	$792,099

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2016

Revenue

$396,655

Expenses

$452,918

Net Income

-$56,263

Net Assets

$614,584

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$422,647	> 100%
Program Services	$0
Investment Income	$17,303	4.4%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	-$43,295
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$206,581	45.6%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$616,354
Total Liabilities	$1,770
Net Assets	$614,584

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2015

Revenue

$488,611

Expenses

$419,109

Net Income

$69,502

Net Assets

$670,847

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$465,952	95.4%
Program Services	$0
Investment Income	$3,190	0.7%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$19,469	4.0%
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$184,758	44.1%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$672,847
Total Liabilities	$2,000
Net Assets	$670,847

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

PDF (2 of 2)

Fiscal Year Ending Dec.
2014

Revenue

$417,320

Expenses

$457,741

Net Income

-$40,421

Net Assets

$601,058

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$415,883	99.7%
Program Services	$0
Investment Income	$3,786	0.9%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	-$2,349
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$215,840	47.2%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$603,057
Total Liabilities	$1,999
Net Assets	$601,058

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2013

Revenue

$503,175

Expenses

$481,696

Net Income

$21,479

Net Assets

$641,479

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$479,283	95.3%
Program Services	$5,436	1.1%
Investment Income	$0
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$18,456	3.7%
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$203,903	42.3%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$641,479
Total Liabilities	$0
Net Assets	$641,479

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2012

Revenue

$506,039

Expenses

$369,469

Net Income

$136,570

Net Assets

$620,000

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$492,251	97.3%
Program Services	$0
Investment Income	$1,139	0.2%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$12,649	2.5%
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$166,828	45.2%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$620,000
Total Liabilities	$0
Net Assets	$620,000

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Revenue

$382,773

Expenses

$415,596

Net Income

-$32,823

Net Assets

$483,431

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$359,882	94.0%
Program Services	$0
Investment Income	$3,973	1.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$18,918	4.9%
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$110,000	26.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$68,196	16.4%

Assets/Debt
Total Assets	$483,431
Total Liabilities	$0
Net Assets	$483,431

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

Raw filing data. Includes EINs and summary financials as structured data.
Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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Updated December 22, 2025

National Association Of Independent Credit Reporting Agencies Inc

Organization summary

Type of Nonprofit

Details

Summary charts: organization finances over time

Revenue $477k (2024)

Expenses $312k (2024)

Total Assets $270k (2024)

Total Liabilities $0 (2024)

Tax Filings by Year

Fiscal Year Ending Dec. 2024

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2023

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2022

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2021

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2019

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2018

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2017

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2016

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2015

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2014

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2013

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2012

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2011

Extracted Financial Data

Revenue

$477k (2024)

Expenses

$312k (2024)

Total Assets

$270k (2024)

Total Liabilities

$0 (2024)

Fiscal Year Ending Dec.
2024

Fiscal Year Ending Dec.
2023

Fiscal Year Ending Dec.
2022

Fiscal Year Ending Dec.
2021

Fiscal Year Ending Dec.
2019

Fiscal Year Ending Dec.
2018

Fiscal Year Ending Dec.
2017

Fiscal Year Ending Dec.
2016

Fiscal Year Ending Dec.
2015

Fiscal Year Ending Dec.
2014

Fiscal Year Ending Dec.
2013

Fiscal Year Ending Dec.
2012

Fiscal Year Ending Dec.
2011

Fiscal Year Ending Dec.
2010

Fiscal Year Ending Dec.
2009

Fiscal Year Ending Dec.
2008

Fiscal Year Ending Dec.
2007

Fiscal Year Ending Dec.
2006

Fiscal Year Ending Dec.
2005

Fiscal Year Ending Dec.
2004