CONSUMER CREDIT COUNSELING FOUNDATION INC (EIN 043638828) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2002

Legal Domicile

Principal Officer

PORUS ENGINEER

Phone

8006566207

Tax Period

2023-01-01 to 2023-12-31

CONSUMER CREDIT COUNSELING FOUNDATION INC, founded in 2002, is a community nonprofit in the Human Services sector that reported $2.5M in total revenue in fiscal year 2023. Revenue surged 102% from the prior year, signaling strong growth momentum.

Mission

TO PROVIDE FREE CREDIT COUNSELING AND FINANCIAL EDUCATION TO ALL PEOPLE LIVING UNDER THE PRESSURES OF DEBT, AND TO PROVIDE CONSUMERS IN NEED WITH FREE OR LOW-COST DEBT MANAGEMENT SERVICES.

🔒

Trantor Score

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

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $337,632

Program Service Revenue $2,140,997

Investment Income $0

Other Revenue $0

TOTAL REVENUE $2,478,629

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,410,964

Fundraising Expenses $0

Program Expenses $2,530,462

Other Expenses $1,184,257

TOTAL EXPENSES $2,595,221

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,478,629	$1,227,872	+1.0%
Expenses	$2,595,221	$1,571,001	+0.7%
Net Income	$-116,592	$-343,129	-0.7%

Key Indicators

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

🔒

Financial Health Indicators

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

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

Governance

Voting Members

Independent Members

Employees

Volunteers

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
TONY JUDGE	PRESIDENT	10.00	Officer Director	$0	$0	$0
SANDEEP BHASIN	DIRECTOR	1.00	Director	$0	$0	$0
ALOKE BHALLA	DIRECTOR	1.00	Director	$0	$0	$0
KULWANT SRAN	DIRECTOR	1.00	Director	$0	$0	$0
PORUS ENGINEER	MANAGER	40.00	Highest	$152,721	$7,273	$159,994

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	$2,478,629	$2,595,221	$1,584,820	$-116,592
2022	$1,227,872	$1,571,001	$1,475,842	$-343,129
2021	$1,541,681	$1,072,335	$1,222,431	$469,346
2020	$1,228,883	$1,004,520	$713,188	$224,363
2019	$698,006	$614,171	$234,626	$83,835
2018	$875,035	$937,569	$168,641	$-62,534

CONSUMER CREDIT COUNSELING FOUNDATION INC