Bankruptcy Seminars Inc
Nonprofit profile at a glance
- EIN
- 391893326
- IRS 990-EZ coverage
- 2020–2025
- Forms available
- Form 990 2019, Form 990-EZ 2025
- Location
- Dubuque, IA, USA
- Phone
- 5635568000
- Rating
- 87
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Centers to Support the Independence of Specific Populations
Reported finances
- Revenue
- $33,958
- Expenses
- $31,385
- Assets
- $24,420
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
14 people listed
People named in this filing
- GINA L KRAMER (DIRECTOR)
- MICHAEL C DUNBAR (DIRECTOR)
- JESSICA BOARD (DIRECTOR)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To promote education on bankruptcy. To promote research & education on matters related to insolvency and to provide quality continuing education
What it reported doing in 2025
To promote research & education on matters relatedto insolvency
Operating model
- Revenue model
- Earned-program. 100% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 94
- Transparency & Controls: 82
- Sustainability: 45
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 91.5%; rating input score 91
- Program expense ratio: 99%; rating input score 99
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: 7.6%; rating input score 57; 57th percentile among comparable filings
- Total-asset coverage ratio: 0.78; rating input score 41; 41st percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: 0%; rating input score 56; 56th percentile among comparable filings
Growth
- Program expense growth: 67.6% per year; rating input score 100; 95th percentile among comparable filings
- Revenue growth: 24.6% per year; rating input score 100; 91st percentile among comparable filings
- Asset growth: 10% per year; rating input score 100; 70th percentile among comparable filings
Details
- Where the money goes: 91.5% of revenue deployed · 99% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 1 filed program accomplishment · $31K in reported program spending
- Leadership: top reported pay $0 · 14 people listed
- Consistency: 6 of 6 current checks pass
- Schedules: 2 filed schedules
- Filing history: 6 filing years from 2020 to 2025
- Contacts: How to reach this organization
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Sustainability: Operating margin scored 57/100.
- Moderate — Sustainability: Total-asset coverage ratio scored 41/100.
- Review — Sustainability: Officer compensation ratio scored 56/100.