Nonprofit · EIN 61-0549102
KENTUCKY CONSUMER FINANCE ASSOCIATION INC
Tax-exempt · FRANKFORT, KY 40601
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990-EZ | $56,145 | $46,374 | $9,771 | $306,286 | – | $306,286 |
| December 31, 2024 | 990-EZ | $72,808 | $55,797 | $17,011 | $296,515 | – | $296,515 |
| December 31, 2023 | 990-EZ | $67,153 | $53,108 | $14,045 | $279,504 | – | $279,504 |
Financial details: 990-EZ for the year ended December 31, 2025
Revenue
- Membership dues
- $48,375
- Investment income
- $7,770
Expenses
- Compensation of officers, directors and key employees
- $0
- Professional fees and payments to contractors
- $41,810
- Other expenses
- $4,564
Balance sheet and other
- Total assets, start of year
- $296,515
- Total assets, end of year
- $306,286
- Total liabilities, end of year
- –
- Net assets, end of year
- $306,286
- Cash, savings and investments
- $306,286
- Gross receipts
- $56,145
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990-EZ for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| PATRICK OLIVER | PRESIDENT | 0 | $0 |
| BOB WHITEHOUSE | VICE PRESIDE | 0 | $0 |
| JOHN STEVENSON | SECRETARY/TR | 0 | $0 |
| DUSTIN MILLER | EXEC VP/ASST | 0 | $0 |
| RD ADAMS | DIRECTOR | 0 | $0 |
| MARK BOWLING | DIRECTOR | 0 | $0 |
| DAN COLE | DIRECTOR | 0 | $0 |
| BILL DAVIS | DIRECTOR | 0 | $0 |
| TROY DOCK | DIRECTOR | 0 | $0 |
| J PATRICK FREDERICK | DIRECTOR | 0 | $0 |
| TOM HOURIGAN | DIRECTOR | 0 | $0 |
| STEVE MARSHALL | DIRECTOR | 0 | $0 |
| BRAD MCCLURE | DIRECTOR | 0 | $0 |
| JOHN MCINTYRE | DIRECTOR | 0 | $0 |
| JIM MILLER | DIRECTOR | 0 | $0 |
7 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| TODD MORRIS | DIRECTOR | 0 | $0 |
| JERRY PYLE | DIRECTOR | 0 | $0 |
| JOE SCHUEBERT | DIRECTOR | 0 | $0 |
| SHANE TURNER | DIRECTOR | 0 | $0 |
| JOSH VIGEANT | DIRECTOR | 0 | $0 |
| SUSIE WESTOVER | DIRECTOR | 0 | $0 |
| NETTIE WHITAKER | DIRECTOR | 0 | $0 |
990-EZ for the year ended December 31, 2024: 23 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JIM MILLER | PRESIDENT | 0 | $0 |
| PATRICK OLIVER | VICE PRESIDE | 0 | $0 |
| JOHN STEVENSON | SECRETARY/TR | 0 | $0 |
| DUSTIN MILLER | EXEC VP/ASST | 0 | $0 |
| RD ADAMS | DIRECTOR | 0 | $0 |
| MARK BOWLING | DIRECTOR | 0 | $0 |
| EDDIE CAIN | DIRECTOR | 0 | $0 |
| BILL DAVIS | DIRECTOR | 0 | $0 |
| TROY DOCK | DIRECTOR | 0 | $0 |
| J PATRICK FREDERICK | DIRECTOR | 0 | $0 |
| TOM HOURIGAN | DIRECTOR | 0 | $0 |
| STEVE MARSHALL | DIRECTOR | 0 | $0 |
| BRAD MCCLURE | DIRECTOR | 0 | $0 |
| JOHN MCINTYRE | DIRECTOR | 0 | $0 |
| TODD MORRIS | DIRECTOR | 0 | $0 |
| JERRY PYLE | DIRECTOR | 0 | $0 |
| MARK RATAJCZAK | DIRECTOR | 0 | $0 |
| SHANE TURNER | DIRECTOR | 0 | $0 |
| CHIP VERCELLI | DIRECTOR | 0 | $0 |
| JOSH VIGEANT | DIRECTOR | 0 | $0 |
| SUSIE WESTOVER | DIRECTOR | 0 | $0 |
| NETTIE WHITAKER | DIRECTOR | 0 | $0 |
| BOB WHITEHOUSE | DIRECTOR | 0 | $0 |
990-EZ for the year ended December 31, 2023: 23 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JIM MILLER | PRESIDENT | 0 | $0 |
| PATRICK OLIVER | VICE PRESIDE | 0 | $0 |
| JOHN STEVENSON | SECRETARY/TR | 0 | $0 |
| DUSTIN MILLER | EXEC VP/ASST | 0 | $0 |
| RD ADAMS | DIRECTOR | 0 | $0 |
| MARK BOWLING | DIRECTOR | 0 | $0 |
| EDDIE CAIN | DIRECTOR | 0 | $0 |
| BILL DAVIS | DIRECTOR | 0 | $0 |
| TROY DOCK | DIRECTOR | 0 | $0 |
| J PATRICK FREDERICK | DIRECTOR | 0 | $0 |
| TOM HOURIGAN | DIRECTOR | 0 | $0 |
| STEVE MARSHALL | DIRECTOR | 0 | $0 |
| BRAD MCCLURE | DIRECTOR | 0 | $0 |
| JOHN MCINTYRE | DIRECTOR | 0 | $0 |
| TODD MORRIS | DIRECTOR | 0 | $0 |
| JERRY PYLE | DIRECTOR | 0 | $0 |
| MARK RATAJCZAK | DIRECTOR | 0 | $0 |
| SHANE TURNER | DIRECTOR | 0 | $0 |
| CHIP VERCELLI | DIRECTOR | 0 | $0 |
| JOSH VIGEANT | DIRECTOR | 0 | $0 |
| SUSIE WESTOVER | DIRECTOR | 0 | $0 |
| NETTIE WHITAKER | DIRECTOR | 0 | $0 |
| BOB WHITEHOUSE | DIRECTOR | 0 | $0 |
Address and contacts
- Address (IRS master file)
- 229 SHELBY ST, FRANKFORT, KY 40601-2817
- Signed the 990-EZ
- PATRICK OLIVER, PRESIDENT
- Phone
- (502) 226-3975
- Return prepared by
- HARROD & ASSOCIATES
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.
Program accomplishments
- ADVOCACY FOR CONSUMER FINANCE BUSINESSES WHO ARE MEMBERS OF THE ASSOCIATION
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990-EZ on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990-EZ on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990-EZ on file |
IRS record
- EIN
- 61-0549102
- Tax-exempt status
- 501(c)(6): Business league or chamber of commerce
- Donations deductible
- No
- Exempt since
- 1958
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $306,286
- Income (IRS master file)
- $56,145
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990-EZ | December 2025 | $56,145 | $46,374 | $306,286 | XML |
| 990-EZ | December 2024 | $72,808 | $55,797 | $296,515 | IRS |
| 990-EZ | December 2023 | $67,153 | $53,108 | $279,504 | XML |
| 990-EZ | December 2022 | – | – | – | IRS |
| 990-EZ | December 2021 | – | – | – | IRS |
| 990-EZ | December 2020 | – | – | – | IRS |
| 990-EZ | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 61-0549102).
Questions about KENTUCKY CONSUMER FINANCE ASSOCIATION INC
- What is the EIN of KENTUCKY CONSUMER FINANCE ASSOCIATION INC?
- The employer identification number (EIN) of KENTUCKY CONSUMER FINANCE ASSOCIATION INC is 61-0549102.
- Is KENTUCKY CONSUMER FINANCE ASSOCIATION INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(6) since 1958.
- Are donations to KENTUCKY CONSUMER FINANCE ASSOCIATION INC tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does KENTUCKY CONSUMER FINANCE ASSOCIATION INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of KENTUCKY CONSUMER FINANCE ASSOCIATION INC due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did KENTUCKY CONSUMER FINANCE ASSOCIATION INC last file with the IRS?
- The latest return in the IRS public files is the 990-EZ for the year ended December 2025.
- Who are the officers and directors of KENTUCKY CONSUMER FINANCE ASSOCIATION INC?
- The 990-EZ for the year ended December 31, 2025 lists 22 people; 0 received compensation from the organization.
- How much revenue does KENTUCKY CONSUMER FINANCE ASSOCIATION INC have?
- On its 990-EZ for the year ended December 31, 2025 it reported revenue of $56,145, expenses of $46,374 and total assets of $306,286 at year end.
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