CONSUMER CREDIT COUNSELING SERVICE OF NORTHERN ILLINOIS INC (EIN 363185383) - 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

1982

Legal Domicile

Principal Officer

DONNA RASMUSSEN

Phone

8153385757

Tax Period

2024-01-01 to 2024-12-31

CONSUMER CREDIT COUNSELING SERVICE OF NORTHERN ILLINOIS INC, founded in 1982, is a small nonprofit in the Human Services sector that reported $835K in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year.

Mission

TO STRENGTHEN AND EMPOWER COMMUNITIES THROUGH COUNSELING, EDUCATING, AND SERVING INDIVIDUALS IN MATTERS OF HOUSING AND PERSONAL FINANCE.

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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 $748,090

Program Service Revenue $76,896

Investment Income $9,895

Other Revenue $5

TOTAL REVENUE $834,886

Expense Breakdown

Grants Paid $188,771

Salaries & Benefits $531,218

Fundraising Expenses $18,127

Program Expenses $801,575

Other Expenses $189,829

TOTAL EXPENSES $909,818

Year-over-Year Comparison

	2024	2023	Change
Revenue	$834,886	$889,582	-0.1%
Expenses	$909,818	$782,844	+0.2%
Net Income	$-74,932	$106,738	-1.7%

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

$62,397

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHANNON DEVINGER	PRESIDENT	1.00	Officer Director	$0	$0	$0
PAUL ZUKOWSKI	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
LAURA FRANZ	SECRETARY	1.00	Officer Director	$0	$0	$0
RICHARD ADAMSON	TREASURER	1.00	Officer Director	$0	$0	$0
JAMES D HULS	DIRECTOR	1.00	Director	$0	$0	$0
MELISSA HERNANDEZ	DIRECTOR	1.00	Director	$0	$0	$0
MARK PIEKOS	DIRECTOR	1.00	Director	$0	$0	$0
KATHRYN GASKILL	DIRECTOR	1.00	Director	$0	$0	$0
LACHELLE AARONEAUX	DIRECTOR	1.00	Director	$0	$0	$0
GERALD DUPAW JR	DIRECTOR	1.00	Director	$0	$0	$0
DONNA RASMUSSEN	EXECUTIVE DIRECTOR	40.00	Officer	$62,397	$0	$62,397

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	$834,886	$909,818	$653,678	$-74,932
2023	$889,582	$782,844	$704,111	$106,738
2022	$882,651	$757,033	$500,770	$125,618
2021	$719,881	$707,888	$463,311	$11,993
2020	$572,293	$694,193	$425,595	$-121,900
2019	$735,163	$792,095	$442,299	$-56,932
2018	$815,460	$833,691	$513,063	$-18,231

CONSUMER CREDIT COUNSELING SERVICE OF NORTHERN ILLINOIS INC