CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY (EIN 231671903) - 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

1966

Legal Domicile

Principal Officer

LOIS ANN MURPHY

Phone

2155635665

Tax Period

2024-01-01 to 2024-12-31

CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY, founded in 1966, is a community nonprofit in the Human Services sector that reported $6.1M in total revenue in fiscal year 2024. Expenses of $5.8M left a modest 4% surplus.

Mission

WE EMPOWER INDIVIDUALS TO ACHIEVE FINANCIAL RESILIENCE AND POSITIVELY IMPACT THEIR COMMUNITIES.

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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 $5,866,620

Program Service Revenue $0

Investment Income $241,086

Other Revenue $0

TOTAL REVENUE $6,107,706

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,943,225

Fundraising Expenses $233,128

Program Expenses $4,707,947

Other Expenses $1,899,900

TOTAL EXPENSES $5,843,125

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,107,706	$6,190,985	0.0%
Expenses	$5,843,125	$5,041,580	+0.2%
Net Income	$264,581	$1,149,405	-0.8%

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

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

$710,036

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JILL HERRIOTT	CHAIR	2.00	Officer Director	$0	$0	$0
ANDREW SOVEN	VICE-CHAIR	2.00	Officer Director	$0	$0	$0
WAYNE ANGLACE	DIRECTOR	1.00	Director	$0	$0	$0
GEORGE BENHAM III	DIRECTOR	1.00	Director	$0	$0	$0
PETER BILINSKY	DIRECTOR	1.00	Director	$0	$0	$0
DANA BROWN	DIRECTOR	1.00	Director	$0	$0	$0
AMY CARDER	DIRECTOR	1.00	Director	$0	$0	$0
JIM HARRINGTON	DIRECTOR	1.00	Director	$0	$0	$0
JEFF HENNESSY	DIRECTOR	1.00	Director	$0	$0	$0
OCTAVIA HOWELL	DIRECTOR	1.00	Director	$0	$0	$0
ALAN KAPLAN	DIRECTOR	1.00	Director	$0	$0	$0
ALEXANDRA SAMUELS	DIRECTOR	1.00	Director	$0	$0	$0
DREW SCHNEIDER	DIRECTOR	1.00	Director	$0	$0	$0
ANTHONY SHORE	DIRECTOR (SERVED UNTIL 06/2024)	1.00	Director	$0	$0	$0
LAURA STANSBURY	DIRECTOR	1.00	Director	$0	$0	$0
CATHERINE ULOZAS	DIRECTOR	1.00	Director	$0	$0	$0
ANEKA WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
KATHLEEN WILLIAMSON	DIRECTOR	1.00	Director	$0	$0	$0
WALT WOJCIECHOWSKI	DIRECTOR	1.00	Director	$0	$0	$0
DANA YAMATE	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD T HOLLIS	CFO (SERVED UNTIL 09/2024)	3.00	Officer	$0	$11,485	$276,898
MICHAEL SHINKONIS	CFO (BEGAN SERVICE 08/2024)	5.00	Officer	$0	$37,796	$224,879
STEPHEN GARDNER	EXECUTIVE DIRECTOR	40.00	Officer	$198,548	$9,711	$208,259
SCOTT KAROL	DEPUTY DIRECTOR	40.00	Highest	$152,512	$8,004	$160,516
JILL ROBERTS	VP OF ADVOCACY	40.00	Highest	$114,365	$13,052	$127,417

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	$6,107,706	$5,843,125	$9,399,327	$264,581
2023	$6,190,985	$5,041,580	$8,821,060	$1,149,405
2022	$5,440,689	$5,068,730	$7,145,801	$371,959
2021	$4,855,910	$4,461,404	$4,817,961	$394,506
2020	$4,725,042	$4,391,403	$4,343,274	$333,639
2019	$4,690,408	$4,645,688	$4,469,013	$44,720
2018	$5,282,067	$4,970,564	$5,698,415	$311,503

CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY