AMERICAN CONSUMER CREDIT COUNSELING INC (EIN 043166982) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1992

Legal Domicile

Principal Officer

ALLEN AMADIN

Phone

6175595700

Tax Period

2023-01-01 to 2023-12-31

AMERICAN CONSUMER CREDIT COUNSELING INC, founded in 1992, is a mid-sized nonprofit in the Human Services sector that reported $14.2M in total revenue in fiscal year 2023. Revenue surged 29% from the prior year, signaling strong growth momentum. Expenses of $13.2M left a modest 7% surplus.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $817,155

Program Service Revenue $11,524,541

Investment Income $601,870

Other Revenue $1,238,803

TOTAL REVENUE $14,182,369

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,466,597

Fundraising Expenses $0

Program Expenses $10,642,352

Other Expenses $3,735,751

TOTAL EXPENSES $13,202,348

Year-over-Year Comparison

	2023	2022	Change
Revenue	$14,182,369	$10,982,051	+0.3%
Expenses	$13,202,348	$11,570,986	+0.1%
Net Income	$980,021	$-588,935	-2.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

190

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$772,969

Total Directors

$22,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALLEN AMADIN	PRESIDENT &	40.00	Officer	$261,448	$18,989	$280,437
TRACEY R MACOMBER	VP GOVERNANC	40.00	Officer	$177,869	$10,567	$188,436
KATHERINE H ROSS	EXECUTIVE VP	40.00	Officer	$157,958	$13,408	$171,366
PAUL GLOVER	SENIOR SOFTW	40.00	Highest	$158,303	$6,618	$164,921
DANIEL TURNER	DIRECTOR OF	40.00	Highest	$133,628	$7,872	$141,500
DONNA M CONLEY	VP & CLERK	40.00	Officer	$125,725	$7,005	$132,730
PAUL FERGUSON	FINANCE MGR	40.00	Highest	$115,819	$9,083	$124,902
KENNETH MOHAMMED	COUNSELING M	40.00	Highest	$115,166	$8,899	$124,065
MICHELLE HURLEY	CUSTOMER SER	40.00	Highest	$111,316	$6,715	$118,031
JAMES CURRIE	DIRECTOR	1.00	Director	$2,250	$0	$2,250
DONALD FRADETTE	DIRECTOR	1.00	Director	$2,250	$0	$2,250
ZEPUR KAHWAJIAN	DIRECTOR	1.00	Director	$2,250	$0	$2,250
KENNETH V LOPEZ	DIRECTOR	1.00	Director	$2,250	$0	$2,250
MARY PAPAZIAN	DIRECTOR	1.00	Director	$2,250	$0	$2,250
MATTHEW PARADISE	DIRECTOR	1.00	Director	$2,250	$0	$2,250
LILIAN ROJAS	DIRECTOR	1.00	Director	$2,250	$0	$2,250
JOHN L SERGI	DIRECTOR	1.00	Director	$2,250	$0	$2,250
MICHAEL SILVA	DIRECTOR	1.00	Director	$2,250	$0	$2,250
JOSEPH STASIO	DIRECTOR	1.00	Director	$2,250	$0	$2,250

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$14,182,369	$13,202,348	$19,050,611	$980,021
2022	$10,982,051	$11,570,986	$17,821,275	$-588,935
2021	$13,306,197	$10,853,717	$18,184,034	$2,452,480
2020	$12,441,274	$11,780,884	$16,994,490	$660,390

AMERICAN CONSUMER CREDIT COUNSELING INC