TRINITY CREDIT COUNSELING INC (EIN 311410758) - 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

1994

Legal Domicile

Principal Officer

GARY A VOSICK

Phone

5137690621

Tax Period

2023-01-01 to 2023-12-31

TRINITY CREDIT COUNSELING INC, founded in 1994, is a community nonprofit in the Human Services sector that reported $5.4M in total revenue in fiscal year 2023. Revenue grew 19% year-over-year, indicating healthy expansion.

Mission

EDUCATION AND BUDGETING FOR CONSUMERS.

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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 $5,272,953

Investment Income $174,832

Other Revenue $0

TOTAL REVENUE $5,447,785

Expense Breakdown

Grants Paid $140,340

Salaries & Benefits $2,825,681

Fundraising Expenses $0

Program Expenses $4,928,193

Other Expenses $2,454,841

TOTAL EXPENSES $5,420,862

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,447,785	$4,585,570	+0.2%
Expenses	$5,420,862	$4,635,682	+0.2%
Net Income	$26,923	$-50,112	-1.5%

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

N/A

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

$333,011

Total Directors

$16,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RANDALL K WHEELER	DIRECTOR	1.00	Director	$4,000	$0	$4,000
JUDY DURHAM	DIRECTOR	1.00	Director	$4,000	$0	$4,000
JOHN STEVENSON	DIRECTOR	1.00	Director	$4,000	$0	$4,000
DANA MOODY	DIRECTOR	1.00	Director	$4,000	$0	$4,000
GARY A VOSICK	PRESIDENT	40.00	Officer	$265,697	$67,314	$333,011
JADE DURHAM	OPERATIONS MANAGER	40.00	Highest	$198,132	$74,569	$272,701

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	$5,447,785	$5,420,862	$8,808,422	$26,923
2022	$4,585,570	$4,635,682	$8,530,388	$-50,112
2021	$5,832,129	$5,255,996	$8,028,402	$576,133
2020	$6,728,875	$6,064,618	$7,906,378	$664,257
2019	$5,972,630	$5,491,184	$7,536,100	$481,446
2018	$5,699,607	$4,808,353	$6,901,982	$891,254

TRINITY CREDIT COUNSELING INC