A DEBT COACH CREDIT COUNSELING SER… - Form 990 Financial Data

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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

1992

Legal Domicile

Principal Officer

LOUIS WILLIAMS

Phone

8887679155

Tax Period

2025-01-01 to 2025-12-31

A DEBT COACH CREDIT COUNSELING SERVICE, founded in 1992, is a small nonprofit in the Human Services sector that reported $123K in total revenue in fiscal year 2025. Revenue fell 22% from the prior year — a significant decline worth monitoring.

Mission

TO PROVIDE DEBT MANAGEMENT COUNSELING SERVICES AND MONEY MANAGEMENT EDUCATION FOR CLIENTS.

Program Service Accomplishments

Program 1

Expenses: $81,887 Revenue: $83,814

PROVIDED MONEY MANAGEMENT, DEBT COUNSELING AND BUDGETING ASSISTANCE TO APPROXIMATELY 200 CLIENTS

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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 (2025)

Revenue Breakdown

Contributions & Grants $39,100

Program Service Revenue $83,814

Investment Income $0

Other Revenue $0

TOTAL REVENUE $122,914

Expense Breakdown

Grants Paid $0

Salaries & Benefits $70,990

Fundraising Expenses $0

Program Expenses $81,887

Other Expenses $54,460

TOTAL EXPENSES $125,450

Year-over-Year Comparison

	2025	2024	Change
Revenue	$122,914	$158,074	-0.2%
Expenses	$125,450	$180,152	-0.3%
Net Income	$-2,536	$-22,078	-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

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

$66,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LOUIS WILLIAMS	PRESIDENT	40.00	Officer	$66,000	$0	$66,000
JESSICA CRUZ	BOARD MEMBER	N/A	Director	$0	$0	$0
KELLIE HINELY	BOARD MEMBER	N/A	Director	$0	$0	$0
DONNA PARKER	BOARD MEMBER	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
2025	$122,914	$125,450	$64,282	$-2,536
2024	$158,074	$180,152	$76,040	$-22,078
2023	$441,874	$437,836	$90,318	$4,038
2022	$507,183	$506,444	$97,616	$739
2021	$911,124	$892,386	$126,947	$18,738
2019	$1,181,587	$1,179,454	$117,687	$2,133
2018	$987,562	$972,839	$127,863	$14,723

A DEBT COACH CREDIT COUNSELING SERVICE