AMERICAN CREDIT COUNSELING INSTITUTE INC

EIN: 232708823 501(c)(3) Human Services

ANDREAS, PA

Total Revenue
$210,016
Total Expenses
$303,578
Total Assets
$113,430
Net Assets
$111,842
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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
PA
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

Program Service Accomplishments

Program 1
Expenses: $303,578 Revenue: $210,016

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

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

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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 (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

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Governance

Voting Members
5
Independent Members
3
Employees
4
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
1
$49,588
Total Directors
1
$49,588
Key Employees
4
$96,378
Highest Compensated
0
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
2025 No data No data No data No data
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
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