CONSUMER CREDIT COUNSELING OF THE MID-OHIO VALLEY (EIN 237124716) - 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

1971

Legal Domicile

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.

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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 $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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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

$67,592

Total Directors

Key Employees

Highest Compensated

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

CONSUMER CREDIT COUNSELING OF THE MID-OHIO VALLEY