Kentucky Consumer Finance Association Inc
Nonprofit profile at a glance
- EIN
- 610549102
- IRS 990-EZ coverage
- 2016–2025
- Forms available
- Form 990 2015, Form 990-EZ 2025
- Location
- Frankfort, KY, USA
- Phone
- 5022263975
- Rating confidence
- Limited
Reported finances
- Revenue
- $56,145
- Expenses
- $46,374
- Assets
- $306,286
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
22 people listed
Executive titles in this filing
- PATRICK OLIVER (PRESIDENT)
People named in this filing
- PATRICK OLIVER (PRESIDENT)
- BOB WHITEHOUSE (VICE PRESIDE)
- JOHN STEVENSON (SECRETARY/TR)
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
The Kentucky consumer finance association, inc. (kcfa) is a private non- profit organization. The nature and purpose of the kcfa is to encourage the business of financing individuals and families for necessary and useful purposes, at reasonable charges including interest; to encourage and maintain truthfulness in advertising; to encourage and maintain ethical practices in the conduct of such business, and for this purpose to bring about cooperation with state officials responsible for the enforcement and administration of laws applicable to this business, and to ensure obedience to their lawful rules and regulations; and to promote thrift and financial independence.
What it reported doing in 2025
Advocacy for consumer finance businesses who are members of the association
Operating model
- Revenue model
- Membership-supported. 86% of the money available for current operations came from membership dues.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 82
- Sustainability: 65
- Growth: 20
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: 17.4%; rating input score 69; 69th percentile among comparable filings
- Total-asset coverage ratio: 6.6; rating input score 87; 87th 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: Limited
- Revenue growth: -3.1% per year; rating input score 0; 39th percentile among comparable filings
- Asset growth: 9% per year; rating input score 100; 68th percentile among comparable filings
Details
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: Filed governance answers
- Accomplishments: 1 filed program accomplishment
- Leadership: top reported pay $0 · 22 people listed
- Consistency: 5 of 5 current checks pass
- Schedules: 2 filed schedules
- Filing history: 9 filing years from 2016 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.
- High — Growth: Revenue growth scored 0/100.
- Review — Sustainability: Officer compensation ratio scored 56/100.