Family Credit Counseling Service (EIN 364060853) - 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

Michael McAuliffe

Phone

8009943328

Tax Period

2024-01-01 to 2024-12-31

Family Credit Counseling Service, founded in 1996, is a community nonprofit in the Human Services sector that reported $7.9M in total revenue in fiscal year 2024. Revenue surged 33% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.7M, a strong 21% operating margin.

Mission

Family Credit Counseling Service Inc. (FCCS) was established to provide financial education for consumers, with an emphasis on consumers with low income and/or excessive amounts of debt.

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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 $874,171

Program Service Revenue $6,390,769

Investment Income $558,305

Other Revenue $78,047

TOTAL REVENUE $7,901,292

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,611,878

Fundraising Expenses $62,977

Program Expenses $4,841,834

Other Expenses $2,625,227

TOTAL EXPENSES $6,237,105

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,901,292	$5,937,076	+0.3%
Expenses	$6,237,105	$6,170,974	+0.0%
Net Income	$1,664,187	$-233,898	-8.1%

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

$905,645

Total Directors

$444,573

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michael McAuliffe MS	Director & President	50.00	Officer Director	$396,159	$48,414	$444,573
Peyton Mendez	Chairman	1.00	Director	$0	$0	$0
Carol Parlin	Director	1.00	Director	$0	$0	$0
Ron Ruckert	Director	1.00	Director	$0	$0	$0
Lourdes Delgado-Serrano MD MBA	Director	1.00	Director	$0	$0	$0
Catherine Klepacki	Director	1.00	Director	$0	$0	$0
Robert Wood	Director	1.00	Director	$0	$0	$0
Elizabeth Schomburg MS	Chief Financial Officer	50.00	Officer	$228,490	$41,472	$269,962
Sarabeth McAuliffe MS	Senior Vice President	50.00	Officer	$182,114	$8,996	$191,110

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	$7,901,292	$6,237,105	$10,530,471	$1,664,187
2023	$5,937,076	$6,170,974	$8,659,552	$-233,898
2022	$6,001,729	$6,522,802	$7,877,348	$-521,073
2021	$7,733,487	$5,808,223	$9,585,248	$1,925,264
2020	$6,953,404	$5,976,124	$7,802,129	$977,280
2019	$6,648,563	$5,976,072	$6,707,106	$672,491
2018	$6,344,734	$5,369,776	$5,750,943	$974,958

Family Credit Counseling Service