Access Counseling Inc

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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

2010

Legal Domicile

Principal Officer

Alberto Duarte

Tax Period

2023-01-01 to 2023-12-31

Access Counseling Inc, founded in 2010, is a community nonprofit in the Human Services sector that reported $2.7M in total revenue in fiscal year 2023. Expenses of $3.2M exceeded revenue, resulting in a 18% operating deficit.

Mission

Pursuant to an approval from the US Department of Justice Executive Office for US Trustees (EOUST), the Company provides the personal financial management instructional course required by the Bankruptcy Abuse Prevention and Consumer Act of 2005.

Program Service Accomplishments

Program 1

Expenses: $2,890,296 Revenue: $2,678,184

The Company furnished Bankruptcy Act-required and US Trustee-approved financial education services to approximately 70,000 individuals in calendar 2023, offering its services on a 365-day, 24/7...

The Company furnished Bankruptcy Act-required and US Trustee-approved financial education services to approximately 70,000 individuals in calendar 2023, offering its services on a 365-day, 24/7 basis. Services were provided free of charge for qualified applicants.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,619,999

Investment Income $0

Other Revenue $58,185

TOTAL REVENUE $2,678,184

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,535,312

Fundraising Expenses $0

Program Expenses $2,890,296

Other Expenses $1,624,638

TOTAL EXPENSES $3,159,950

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,678,184	$2,506,588	+0.1%
Expenses	$3,159,950	$3,181,946	0.0%
Net Income	$-481,766	$-675,358	-0.3%

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

$187,200

Total Directors

$82,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Alberto Duarte	Vice President and Secretary	40.00	Officer	$105,200	$0	$105,200
Gary J Jemelian	President	30.00	Officer Director	$82,000	$0	$82,000
Mira Kenney	Director	0.00	Director	$0	$0	$0
Karen Hunt	Director	0.00	Director	$0	$0	$0
Bob Moore	Director	0.00	Director	$0	$0	$0

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	$2,678,184	$3,159,950	$474,997	$-481,766
2022	$2,506,588	$3,181,946	$574,636	$-675,358
2021	$2,910,345	$3,317,779	$878,879	$-407,434
2020	$3,469,986	$3,837,844	$333,620	$-367,858
2019	$3,515,687	$3,461,387	$226,935	$54,300