123 CREDIT COUNSELORS INC

EIN: 203351880 501(c)(3) Human Services

MIAMI, FL

Total Revenue
$98,221
Total Expenses
N/A
Total Assets
$1,338
Net Assets
$-622,207
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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

Principal Officer
ELIZABETH GARCIA
Tax Period
2021-01-01 to 2021-12-31

123 CREDIT COUNSELORS INC is a micro nonprofit in the Human Services sector that reported $98K in total revenue in fiscal year 2021. Revenue fell 24% from the prior year — a significant decline worth monitoring.

Mission

123 CREDIT COUNSELORS INC PROVIDES FINANCIAL EDUCATION SERVICES TO HIGH RISK GROUPS SUCH AS

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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%)

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Financial Overview (2021)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $98,221
Investment Income $0
Other Revenue $0
TOTAL REVENUE $98,221

Expense Breakdown

Grants Paid $0
Salaries & Benefits $0
Fundraising Expenses $0
Program Expenses $153,810
Other Expenses $0
TOTAL EXPENSES $0

Year-over-Year Comparison

2021 2020 Change
Revenue $98,221 $129,613 -0.2%
Expenses N/A N/A N/A
Net Income N/A $129,613 N/A
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

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Governance

Voting Members
3
Independent Members
N/A
Employees
N/A
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
2
$36,200
Total Directors
3
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
ELIZABETH GARCIA 60
Officer
$36,200 $0 $36,200
RICHARD GARCIA 5
Officer
$0 $0 $0
LUIS DIAZ 0
Director
$0 $0 $0
TIFFANY PFEIFFER 0
Director
$0 $0 $0
ROLAND GALLOR 0
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
2021 $98,221 No data $1,338 No data
2020 $129,613 $165,397 $3,473 $-35,784
2019 $175,145 $178,812 $4,424 $-3,667
2018 $181,558 $179,258 $4,903 $2,300
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