ADVANTAGE CREDIT COUNSELING SERVICE INC (EIN 251201741) - 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

1968

Legal Domicile

Principal Officer

GARY J VOLLMER

Phone

4123901300

Tax Period

2024-01-01 to 2024-12-31

ADVANTAGE CREDIT COUNSELING SERVICE INC, founded in 1968, is a community nonprofit in the Human Services sector that reported $2.2M in total revenue in fiscal year 2024.

Mission

THE ORGANIZATION OFFERS EDUCATION AND PROFESSIONAL CREDIT COUNSELING SERVICES TO THE PUBLIC.

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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 $1,514,422

Program Service Revenue $618,195

Investment Income $75,936

Other Revenue $0

TOTAL REVENUE $2,208,553

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,659,198

Fundraising Expenses $8,506

Program Expenses $1,625,269

Other Expenses $586,419

TOTAL EXPENSES $2,245,617

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,208,553	$2,200,676	+0.0%
Expenses	$2,245,617	$2,143,461	+0.0%
Net Income	$-37,064	$57,215	-1.6%

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

$281,787

Total Directors

$180,792

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GARY J VOLLMER	PRESIDENT & CEO	45.00	Officer Director	$158,842	$21,950	$180,792
ANNE FLYNN SCHLICHT	CHAIR	4.00	Director	$0	$0	$0
PATRICK VAN GORDER	DIRECTOR / VICE CHAIR	2.00	Director	$0	$0	$0
JEFFREY DAVIDEK	DIRECTOR / TREASURER	2.00	Officer Director	$0	$0	$0
MELANIE L ANSELL	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL J CLARK	DIRECTOR	2.00	Director	$0	$0	$0
DAVID COLSON	DIRECTOR	2.00	Director	$0	$0	$0
CHRISTOPHER L CULLEN	DIRECTOR	2.00	Director	$0	$0	$0
WARREN T KING	DIRECTOR	2.00	Director	$0	$0	$0
FREDERICK P O'BRIEN	DIRECTOR	2.00	Director	$0	$0	$0
EVAN C OGRODNIK	DIRECTOR	2.00	Director	$0	$0	$0
DONALD E PRINGLE	DIRECTOR	2.00	Director	$0	$0	$0
BRYAN K WARD	DIRECTOR	2.00	Director	$0	$0	$0
HEATHER MURRAY	SECRETARY	40.00	Officer	$85,000	$15,995	$100,995

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	$2,208,553	$2,245,617	$2,067,287	$-37,064
2023	$2,200,676	$2,143,461	$1,959,675	$57,215
2022	$2,017,935	$2,155,763	$1,964,175	$-137,828
2021	$1,981,242	$2,217,013	$1,986,787	$-235,771
2020	$2,435,641	$2,516,622	$1,989,289	$-80,981
2019	$2,193,108	$2,690,181	$2,070,696	$-497,073
2018	$2,010,672	$2,487,510	$2,580,634	$-476,838

ADVANTAGE CREDIT COUNSELING SERVICE INC