COMMUNITY CREDIT COUNSELING CORPOR… - Form 990 Financial Data

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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

1998

Legal Domicile

Principal Officer

CHARLES CAPOBIANCO

Phone

8006634416

Tax Period

2024-04-01 to 2025-03-31

COMMUNITY CREDIT COUNSELING CORPORATION, founded in 1998, is a micro nonprofit in the Community Improvement sector that reported $66K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $57K left a modest 14% surplus.

Mission

TO PROVIDE CLIENTS DEBT MANAGEMENT ASSISTANCE AS WELL AS EDUCATIONAL AND COUNSELING SERVICES, WHICH PROMOTE THE RESPONSIBLE USE OF CONSUMER CREDIT AND PERSONAL FINANCES.

Program Service Accomplishments

Program 1

Expenses: $46,637

TO PROVIDE CLIENTS AND THE GENERAL PUBLIC GUIDANCE IN REGARD TO CONSUMER CREDIT AND PERSONAL FINANCES THROUGH EDUCATIONAL PROGRAMS, ASSISTANCE IN CREATING AND CARRYING OUT DEBT MANAGEMENT PLANS...

TO PROVIDE CLIENTS AND THE GENERAL PUBLIC GUIDANCE IN REGARD TO CONSUMER CREDIT AND PERSONAL FINANCES THROUGH EDUCATIONAL PROGRAMS, ASSISTANCE IN CREATING AND CARRYING OUT DEBT MANAGEMENT PLANS, CREDIT COUNSELING, AND PUBLIC SEMINARS AND WORKSHOPS. IN FISCAL YEAR 2024/2025, THE ORGANIZATION EDUCATED APPROXIMATELY 1,250 INDIVIDUALS THROUGH FINANCIAL EDUCATION SEMINARS AND PROGRAMS INCLUDING THE FDIC MONEY SMART PROGRAM AND DEBT GUARD FINANCIAL LITERACY PROGRAMS, AS WELL AS PERSONAL FINANCIAL LITERACY MATERIALS DESIGNED BY THE ORGANIZATION. DURING THE YEAR, THE ORGANIZATION'S CREDIT COUNSELORS CONDUCTED APPROXIMATELY 575 COUNSELING SESSIONS, SERVICED APPROXIMATELY 90 DEBT MANAGEMENT PLANS FOR NEW CLIENTS, AND 180 FOR EXISTING CLIENTS RESPECTIVELY, AND HAD APPROXIMATELY 12 CLIENTS SUCCESSFULLY COMPLETE THEIR DEBT MANAGEMENT PLANS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $31,949

Program Service Revenue $33,705

Investment Income $0

Other Revenue $0

TOTAL REVENUE $65,654

Expense Breakdown

Grants Paid $0

Salaries & Benefits $21,063

Fundraising Expenses $0

Program Expenses $48,589

Other Expenses $35,579

TOTAL EXPENSES $56,642

Year-over-Year Comparison

	2024	2023	Change
Revenue	$65,654	$58,571	+0.1%
Expenses	$56,642	$61,046	-0.1%
Net Income	$9,012	$-2,475	-4.6%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLES CAPOBIANCO	PRESIDENT	N/A	Officer Director	$0	$0	$0
SAMUEL ZURICH	TRUSTEE	N/A	Director	$0	$0	$0
LISA JAMISON	TRUSTEE	N/A	Director	$0	$0	$0

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
2025	$65,654	$56,642	$19,319	$9,012
2024	$58,571	$61,046	$4,430	$-2,475
2023	$54,122	$57,587	$4,135	$-3,465
2022	$59,657	$71,539	$5,121	$-11,882
2021	$78,553	$82,807	$24,042	$-4,254
2020	$77,617	$87,109	$6,134	$-9,492
2019	$100,627	$100,342	$5,719	$285

COMMUNITY CREDIT COUNSELING CORPORATION