CONSUMER CREDIT COUNSELING OF THE MID-OHIO VALLEY

EIN: 237124716 501(c)(3)

PARKERSBURG, WV

Total Revenue
$643,333
Total Expenses
$631,981
Total Assets
$2,521,072
Net Assets
$250,585
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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
1971
Legal Domicile
WV
Principal Officer
SHELENE SHREWSBURY
Phone
3044853141
Tax Period
2024-01-01 to 2024-12-31

CONSUMER CREDIT COUNSELING OF THE MID-OHIO VALLEY, founded in 1971, is a small nonprofit that reported $643K in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year.

Mission

CREDIT COUNSELING AND PUBLIC EDUCATION TO ALL INDIVIDUALS REQUESTING AND IN NEED OF SUCH HELP.

Program Service Accomplishments

Program 1
Expenses: $541,964 Revenue: $378,597

DIRECT COUNSELING AND PUBLIC EDUCATION TO ALL INDIVIDUALS REQUESTING AND IN NEED OF SUCH HELP.

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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 (2024)

Revenue Breakdown

Contributions & Grants $237,771
Program Service Revenue $378,407
Investment Income $8,091
Other Revenue $19,064
TOTAL REVENUE $643,333

Expense Breakdown

Grants Paid $0
Salaries & Benefits $431,000
Fundraising Expenses $0
Program Expenses $541,964
Other Expenses $200,981
TOTAL EXPENSES $631,981

Year-over-Year Comparison

2024 2023 Change
Revenue $643,333 $715,367 -0.1%
Expenses $631,981 $613,904 +0.0%
Net Income $11,352 $101,463 -0.9%
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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Governance

Voting Members
14
Independent Members
14
Employees
14
Volunteers
3

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
5
$67,592
Total Directors
14
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
TOM FRAWLEY PRESIDENT 2.00
Officer Director
$0 $0 $0
NICOLE RABER VICE PRESIDENT 2.00
Officer Director
$0 $0 $0
RON LEACH TREASURER 2.00
Officer Director
$0 $0 $0
PAM BAYER SECRETARY 2.00
Officer Director
$0 $0 $0
DOUG REEDER PAST PRESIDENT 1.00
Director
$0 $0 $0
RAY ULMER BOARD MEMBER 1.00
Director
$0 $0 $0
JOLIE KERENICK BOARD MEMBER 1.00
Director
$0 $0 $0
SCOTT SHIREY BOARD MEMBER 1.00
Director
$0 $0 $0
LEASA DAVIS BOARD MEMBER 1.00
Director
$0 $0 $0
BOB ADKINS BOARD MEMBER 1.00
Director
$0 $0 $0
SHARON KESSELRING BOARD MEMBER 1.00
Director
$0 $0 $0
JULIE DYE BOARD MEMBER 1.00
Director
$0 $0 $0
GEORGE CHANDLER BOARD MEMBER 1.00
Director
$0 $0 $0
ROBIN STEWART BOARD MEMBER 1.00
Director
$0 $0 $0
SHELENE SHREWSBURY EXECUTIVE DIRECTOR 40.00
Officer
$67,592 $0 $67,592
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 $643,333 $631,981 $2,521,072 $11,352
2023 $715,367 $613,904 $2,440,820 $101,463
2022 $491,847 $473,991 $2,168,856 $17,856
2021 $522,143 $443,757 $1,952,798 $78,386
2020 $548,863 $451,752 $1,772,693 $97,111
2019 $485,195 $539,665 $1,577,128 $-54,470
2019 $485,195 $539,665 $1,577,128 $-54,470
2018 $430,687 $427,532 $1,290,074 $3,155
2018 $430,687 $427,532 $1,290,074 $3,155
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