AMERICAN CREDIT COUNSELING INSTITUTE INC (EIN 232708823) - 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

2000

Legal Domicile

Principal Officer

ROBERT EWING

Phone

6106205369

Tax Period

2023-01-01 to 2023-12-31

AMERICAN CREDIT COUNSELING INSTITUTE INC, founded in 2000, is a small nonprofit in the Human Services sector that reported $210K in total revenue in fiscal year 2023. Revenue decreased 13% compared to the prior year. Expenses of $304K exceeded revenue, resulting in a 45% operating deficit.

Mission

HOUSING COUNSELING AND MONEY MANAGEMENT EDUCATION AND COUNSELING. PRE FORCLOSURE FOR HOMEOWNERS. HOME BUYING EDUCATION AND COUNSELING. CREDIT AND BUDGET EDUCATION. FINANCIAL

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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 (2023)

Revenue Breakdown

Contributions & Grants $210,016

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $210,016

Expense Breakdown

Grants Paid $56,477

Salaries & Benefits $174,309

Fundraising Expenses $0

Program Expenses $303,578

Other Expenses $72,792

TOTAL EXPENSES $303,578

Year-over-Year Comparison

	2023	2022	Change
Revenue	$210,016	$241,054	-0.1%
Expenses	$303,578	$262,497	+0.2%
Net Income	$-93,562	$-21,443	+3.4%

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

$49,588

Total Directors

$49,588

Key Employees

$96,378

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT EWING	PRESIDENT	40.00	Officer Director	$49,588	$0	$49,588
MILDRED SOTO	KEY EMPLOYEE	40.00	Key Emp	$43,781	$0	$43,781
GIFTY LARYEA	KEY EMPLOYEE	15.00	Key Emp	$1,243	$0	$1,243
JEHSUELIZABETH MALAVE	KEY EMPLOYEE	40.00	Key Emp	$22,754	$0	$22,754
FELIX ROY	KEY EMPLOYEE	40.00	Key Emp	$0	$0	$28,600

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	$210,016	$303,578	$113,430	$-93,562
2022	$241,054	$262,497	$206,225	$-21,443
2021	$101,230	$311,021	$227,405	$-209,791
2020	$321,614	$249,052	$337,195	$72,562
2019	$483,604	$426,531	$269,824	$57,073
2018	$371,267	$331,855	$221,087	$39,412

AMERICAN CREDIT COUNSELING INSTITUTE INC