CREDIT COUNSELING CENTER (EIN 232754268) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1994

Legal Domicile

Principal Officer

PAULA POWERS-WATTS

Phone

2153488003

Tax Period

2023-01-01 to 2023-12-31

CREDIT COUNSELING CENTER, founded in 1994, is a small nonprofit in the Human Services sector that reported $501K in total revenue in fiscal year 2023. Revenue grew 14% year-over-year, indicating healthy expansion.

Mission

CREDIT COUNSELING AND DEBT MANAGEMENT

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $283,225

Program Service Revenue $202,467

Investment Income $4,772

Other Revenue $10,734

TOTAL REVENUE $501,198

Expense Breakdown

Grants Paid $0

Salaries & Benefits $387,375

Fundraising Expenses $9,738

Program Expenses $412,190

Other Expenses $123,553

TOTAL EXPENSES $510,928

Year-over-Year Comparison

	2023	2022	Change
Revenue	$501,198	$438,639	+0.1%
Expenses	$510,928	$569,935	-0.1%
Net Income	$-9,730	$-131,296	-0.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$69,354

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RYAN FULLER	BOARD CHAIRM	5.00	Officer Director	$0	$0	$0
TERI REIF	VICE-CHAIRMA	5.00	Officer Director	$0	$0	$0
ANNE BERLIN	TREASURER	5.00	Officer Director	$0	$0	$0
BRADFORD CONNARD	SECRETARY	5.00	Officer Director	$0	$0	$0
LARRY GRANT	DIRECTOR	5.00	Director	$0	$0	$0
DAVID BREIDINGER	DIRECTOR	5.00	Director	$0	$0	$0
ARET KALAYJIAN	DIRECTOR	5.00	Director	$0	$0	$0
LISA FOLKS	DIRECTOR	5.00	Director	$0	$0	$0
THOMAS MACLIN	DIRECTOR	5.00	Director	$0	$0	$0
MICHAEL C SULLIVAN JR	DIRECTOR	5.00	Director	$0	$0	$0
ERVIN MCFADDEN	DIRECTOR	5.00	Director	$0	$0	$0
ANDREW GRIFFIN	DIRECTOR	5.00	Director	$0	$0	$0
ANDREW SNYDER	DIRECTOR	5.00	Director	$0	$0	$0
PAULA POWERS-WATTS	EXECUTIVE DI	40.00	Officer	$69,354	$0	$69,354

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	$501,198	$510,928	$587,429	$-9,730
2022	$438,639	$569,935	$590,787	$-131,296
2021	$514,214	$409,471	$720,611	$104,743
2020	$356,625	$494,522	$693,392	$-137,897
2019	$615,512	$492,650	$755,279	$122,862
2018	$550,003	$454,713	$629,509	$95,290

CREDIT COUNSELING CENTER