AGAWAM, MA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)CAMBRIDGE CREDIT COUNSELING CORP, founded in 1996, is a community nonprofit in the Human Services sector that reported $9.0M in total revenue in fiscal year 2024.
The organization specializes in providing education and counseling services to individuals and groups who are concerned about their financial situation. If appropriate, the organization also helps individuals establish affordable and convenient debt management plans to help them repay their debts in a timely manner. As a HUD-approved housing counseling agency, the organization also provides pre- and post-purchase counseling, rental and reverse mortgage counseling, and foreclosure intervention and default counseling. The organization has also been approved by the Executive Office for U.S. Trustees to provide pre-filing credit counseling and pre-discharge debtor education to consumers filing for bankruptcy protection.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $9,033,538 | $8,848,641 | +0.0% |
| Expenses | $9,897,578 | $9,219,415 | +0.1% |
| Net Income | $-864,040 | $-370,774 | +1.3% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| CHRISTOPHER A VIALE | President & CEO | 39.00 |
Officer
Director
|
$290,045 | $23,062 | $313,107 |
| THOMAS HEBERT | Treasurer | 39.00 |
Officer
|
$175,063 | $23,766 | $198,829 |
| WILLIAM SOLE | GENERAL MANAGER | 39.00 |
|
$120,070 | $22,475 | $142,545 |
| TIMOTHY GREENMAN | CREDIT COUNSELING | 39.00 |
|
$98,202 | $21,098 | $119,300 |
| ALFRED H COLONNA JR | Chairman | 25.00 |
Officer
Director
|
$92,428 | $23,639 | $116,067 |
| DAVID JUZBA JR | HUMAN RESOURCES MG | 39.00 |
|
$106,071 | $692 | $106,763 |
| LIAM P REYNOLDS | Director | 5.00 |
Director
|
$20,500 | $309 | $20,809 |
| SALVATORE PIZZANELLI CPA JD | Director | 5.00 |
Director
|
$18,000 | $309 | $18,309 |
| JOHN DLUGOENSKI | Director | 5.00 |
Director
|
$14,000 | $309 | $14,309 |
| DEAN O'KEEFE | Director | 5.00 |
Director
|
$12,500 | $309 | $12,809 |
| JOHN D CONNOR ESQ | Director | 5.00 |
Director
|
$12,500 | $309 | $12,809 |
| JENNIFER CONNOLLY | Director | 5.00 |
Director
|
$12,000 | $309 | $12,309 |
| STEPHEN BUONICONTI ESQ | Director | 5.00 |
Director
|
$10,000 | $309 | $10,309 |
| JULIE QUINK CPA | Director | 5.00 |
Director
|
$10,000 | $169 | $10,169 |
| DAWN DISTEFANO | Director | 5.00 |
Director
|
$8,000 | $212 | $8,212 |
| JAMES SHERBO | Director | 5.00 |
Director
|
$8,000 | $212 | $8,212 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $9,033,538 | $9,897,578 | $12,470,961 | $-864,040 |
| 2024 | $8,848,641 | $9,219,415 | $13,663,696 | $-370,774 |
| 2023 | $9,244,287 | $7,883,983 | $13,525,445 | $1,360,304 |
| 2022 | $7,101,425 | $7,650,106 | $10,545,696 | $-548,681 |
| 2021 | $7,932,407 | $6,854,208 | $10,907,095 | $1,078,199 |
| 2019 | $7,969,192 | $7,758,809 | $9,098,396 | $210,383 |
| 2018 | $7,409,173 | $7,146,367 | $8,850,051 | $262,806 |
| 2018 | $7,409,173 | $7,146,367 | $8,850,051 | $262,806 |
Compare CAMBRIDGE CREDIT COUNSELING CORP with other nonprofits in Massachusetts and across the country.