CC ADVISING INC (EIN 274608416) - 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

2011

Principal Officer

RYAN MCDONOUGH

Phone

8559806690

Tax Period

2024-01-01 to 2024-12-31

CC ADVISING INC, founded in 2011, is a small nonprofit in the Human Services sector that reported $425K in total revenue in fiscal year 2024. The organization ran a surplus of $120K, a strong 28% operating margin.

Mission

ORGANIZED FOR CHARITABLE PURPOSES TO PROVIDE PROFESSIONAL CREDIT COUNSELING TO PEOPLE NEEDING ASSISTANCE IN THE MANAGEMENT OF THEIR PERSONAL FINANCES, BUDGETING, AND IN THE SENSIBLE USE OF CREDIT.

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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 $0

Program Service Revenue $361,918

Investment Income $62,911

Other Revenue $0

TOTAL REVENUE $424,829

Expense Breakdown

Grants Paid $0

Salaries & Benefits $121,385

Fundraising Expenses $0

Program Expenses $305,051

Other Expenses $183,666

TOTAL EXPENSES $305,051

Year-over-Year Comparison

	2024	2023	Change
Revenue	$424,829	$416,268	+0.0%
Expenses	$305,051	$302,722	+0.0%
Net Income	$119,778	$113,546	+0.1%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RYAN MCDONOUGH	PRESIDENT/ S	N/A	Officer	$0	$0	$0
MARK WILSON	TREASURER	N/A	Officer	$0	$0	$0
TREVOR KEYES	DIRECTOR	N/A	Director	$0	$0	$0
MICHAEL KARMAN	DIRECTOR	N/A	Director	$0	$0	$0
PATRICK GALLAGHER	DIRECTOR	N/A	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	$424,829	$305,051	$390,266	$119,778
2023	$416,268	$302,722	$270,488	$113,546
2022	$268,457	$324,337	$156,942	$-55,880
2021	$493,877	$448,827	$212,822	$45,050
2020	$551,858	$619,103	$292,769	$-67,245
2019	$820,559	$733,488	$360,231	$87,071
2018	$837,659	$766,929	$273,377	$70,730

CC ADVISING INC