AMERICAN DEBT RESOURCES INC (EIN 113603198) - 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

2001

Legal Domicile

Principal Officer

CHRISTIAN MORIARTY

Phone

6312089005

Tax Period

2024-01-01 to 2024-12-31

AMERICAN DEBT RESOURCES INC, founded in 2001, is a small nonprofit in the Human Services sector that reported $536K in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year.

Mission

TO ASSIST INDIVIDUALS WHO ARE EXPERIENCING FINANCIAL DIFFICULTIES THROUGH PROFESSIONAL CREDIT AND HOUSING COUNSELING SERVICES.

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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 $514,120

Program Service Revenue $21,998

Investment Income $296

Other Revenue $0

TOTAL REVENUE $536,414

Expense Breakdown

Grants Paid $0

Salaries & Benefits $407,022

Fundraising Expenses $0

Program Expenses $243,561

Other Expenses $127,839

TOTAL EXPENSES $534,861

Year-over-Year Comparison

	2024	2023	Change
Revenue	$536,414	$575,770	-0.1%
Expenses	$534,861	$493,646	+0.1%
Net Income	$1,553	$82,124	-1.0%

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

$129,019

Total Directors

$129,019

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTIAN MORIARTY	President	40.00	Officer Director	$129,019	$0	$129,019
WILLIAM DELIBERTI	Vice President	0.00	Director	$0	$0	$0
STEPHEN DUNAT	Secretary	0.00	Director	$0	$0	$0
LLOYD ANDERSON	Board Member	0.00	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
2024	$536,414	$534,861	$437,520	$1,553
2023	$575,770	$493,646	$340,308	$82,124
2022	$441,234	$424,748	$256,624	$16,486
2021	$428,351	$412,725	$239,021	$15,626
2020	$427,375	$418,442	$227,236	$8,933
2019	$490,621	$471,582	$214,241	$19,039
2018	$479,763	$462,018	$197,232	$17,745

AMERICAN DEBT RESOURCES INC