Credit Card Management Services Inc (EIN 311483386) - 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

1996

Legal Domicile

Principal Officer

Mr Paul Donohue Jr

Phone

5614728000

Tax Period

2025-01-01 to 2025-12-31

Credit Card Management Services Inc, founded in 1996, is a community nonprofit in the Human Services sector that reported $4.5M in total revenue in fiscal year 2025. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $4.1M left a modest 9% surplus.

Mission

LMI; credit counseling, budget and debt management; Comprehensive HUD approved housing counseling and EOUST credit counseling and debtor education prior to consumer bankruptcy. To partner in affordable housing opportunities.

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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 $492,742

Program Service Revenue $3,928,525

Investment Income $81,299

Other Revenue $0

TOTAL REVENUE $4,502,566

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,462,470

Fundraising Expenses $0

Program Expenses $3,968,149

Other Expenses $1,626,863

TOTAL EXPENSES $4,089,333

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,502,566	$3,691,065	+0.2%
Expenses	$4,089,333	$3,541,663	+0.2%
Net Income	$413,233	$149,402	+1.8%

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

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

$270,730

Total Directors

$270,730

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mr Paul Donohue Jr	President	50.00	Officer Director	$262,250	$8,480	$270,730
Rajesh Bhavsar	IT Director	50.00		$174,000	$6,000	$180,000
Mohan Lalwani	Program Manager	50.00		$139,966	$0	$139,966
Ann-Marie Drapeau	Operation Director	50.00		$137,510	$0	$137,510
Dr Kurt Stahura	Director	1.00	Director	$0	$0	$0
Mr James H Sutch	Director	1.00	Director	$0	$0	$0
Mr George Lubeck III	Director	5.00	Director	$0	$0	$0
Mr Mathew Curran	Director	1.00	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
2025	$4,502,566	$4,089,333	$6,796,466	$413,233
2024	$3,691,065	$3,541,663	$6,508,668	$149,402
2023	$3,414,473	$3,305,336	$6,356,815	$109,137
2022	$4,043,282	$3,673,137	$6,354,828	$370,145
2021	$4,430,577	$3,087,420	$5,178,189	$1,343,157
2020	$4,210,895	$3,380,622	$3,651,126	$830,273
2019	$3,653,894	$3,396,535	$2,968,631	$257,359

Credit Card Management Services Inc