Georgia Financial Services Assoc

Nonprofit profile at a glance

EIN
580671273
IRS 990-EZ coverage
2010–2025
Forms available
Form 990-EZ 2025
Location
Atlanta, GA, USA
Phone
4042232946
Rating
68
Verdict
SUPPORTED
Rating confidence
Moderate

Reported finances

Revenue
$145,059
Expenses
$83,329
Assets
$361,394

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

7 people listed

Executive titles in this filing

  • BUDDY CHEEK (PRESIDENT)

People named in this filing

  • BUDDY CHEEK (PRESIDENT)
  • ROBERT FOWLER (SECRETARY/ T)
  • CURT GWALTNEY (FIRST VICE P)

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

Industry advocate

What it reported doing in 2025

Gfsa is a non profit organization whose purpose is to protect and influence the conditions pertaining to the consumer financing industry.

Operating model

Revenue model
Membership-supported. 78% of the money available for current operations came from membership dues.
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

SUPPORTED - The filed numbers largely add up and program spending has grown recently. A relatively small share of available resources goes toward mission work.

Rating breakdown

  • Financial Efficiency: 53
  • Transparency & Controls: 82
  • Sustainability: 77
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 45%; rating input score 45
  • Program expense ratio: 66.1%; rating input score 66

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
  • Major donor itemization: Limited

Sustainability

  • Operating margin: 42.6%; rating input score 89; 89th percentile among comparable filings
  • Total-asset coverage ratio: 4.34; rating input score 94; 94th percentile among comparable filings
  • Liabilities to assets ratio: Limited
  • Officer compensation ratio: 0%; rating input score 63; 63rd percentile among comparable filings

Growth

  • Program expense growth: 1.8% per year; rating input score 100; 34th percentile among comparable filings
  • Revenue growth: 2.9% per year; rating input score 100; 33rd percentile among comparable filings
  • Asset growth: 1% per year; rating input score 100; 29th percentile among comparable filings

Details

  • Where the money goes: 45% of revenue deployed · 66.1% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 1 filed program accomplishment · $55K in reported program spending
  • Leadership: top reported pay $0 · 7 people listed
  • Consistency: 6 of 6 current checks pass
  • Schedules: 1 filed schedules
  • Filing history: 16 filing years from 2010 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.

  • Moderate — Financial Efficiency: Mission deployment rate scored 45/100.