CONSUMER CREDIT NATIONWIDE (EIN 331020848) - 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

2002

Legal Domicile

Principal Officer

R BRIAN DELANEY

Phone

5633598830

Tax Period

2021-01-01 to 2021-12-31

CONSUMER CREDIT NATIONWIDE, founded in 2002, is a small nonprofit in the Human Services sector that reported $151K in total revenue in fiscal year 2021. The organization ran a surplus of $45K, a strong 30% operating margin.

Mission

TO PROVIDE COUNSELING AND EDUCATION TO INDIVIDUALS AND FAMILIES STRUGGLING WITH CONSUMER DEBT SO THAT THEY MAY OBTAIN FINANCIAL SECURITY.

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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 (2021)

Revenue Breakdown

Contributions & Grants $45,848

Program Service Revenue $105,325

Investment Income $7

Other Revenue $0

TOTAL REVENUE $151,180

Expense Breakdown

Grants Paid $0

Salaries & Benefits $78,824

Fundraising Expenses $0

Program Expenses $53,743

Other Expenses $27,115

TOTAL EXPENSES $105,939

Year-over-Year Comparison

	2021	2020	Change
Revenue	$151,180	$149,422	+0.0%
Expenses	$105,939	$114,192	-0.1%
Net Income	$45,241	$35,230	+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

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

$74,639

Total Directors

$74,639

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
R BRIAN DELANEY	CEO	40.00	Officer Director	$50,000	$24,639	$74,639
BRET BENSON	DIRECTOR	1.00	Director	$0	$0	$0
TIMOTHY P CONSIDINE	DIRECTOR	1.00	Director	$0	$0	$0
MARK DANT	DIRECTOR	1.00	Director	$0	$0	$0
MARGARET O DELANEY	PRESIDENT	40.00	Officer Director	$0	$0	$0
MICHAEL E WHEATLEY	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
2021	$151,180	$105,939	$21,230	$45,241
2020	$149,422	$114,192	$38,022	$35,230
2019	$216,935	$228,892	$13,262	$-11,957
2018	$268,143	$274,068	$40,712	$-5,925

CONSUMER CREDIT NATIONWIDE