Chicago, IL
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)Family Credit Counseling Service, founded in 1996, is a mid-sized nonprofit in the Human Services sector that reported $10.1M in total revenue in fiscal year 2025. Revenue surged 27% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.9M, a strong 19% operating margin.
Family Credit Counseling Service,Inc. DBA Family Credit Management exists to improve the financial well-being of individuals and families through financial education, counseling, and debt repayment assistance, with a focus on consumers experiencing financial hardship, excessive debt, or limited financial resources.
Counseling Services: Family Credit Management provided individualized financial counseling and education services through telephone, online, and in-person channels. Services were designed to assist...
Counseling Services: Family Credit Management provided individualized financial counseling and education services through telephone, online, and in-person channels. Services were designed to assist consumers in addressing financial distress, improving financial literacy, and achieving greater financial stability. Counseling services included budget analysis, spending plans, review of credit reports, evaluation of debt repayment options, housing counseling,and pre-bankruptcy counseling. Counselors worked with clients to assess income, expenses, and liabilities and develop action plans tailored to each households circumstances. Family Credit is approved by the U.S. Department of Justice to provide pre-filing bankruptcy counseling and issue certificates in accordance with federal requirements. Services were delivered by trained and supervised staff under established internal policies and procedures.
Education Services: Family Credit Management provided financial education services through workshops, seminars, digital content, and community outreach initiatives. These services were designed to...
Education Services: Family Credit Management provided financial education services through workshops, seminars, digital content, and community outreach initiatives. These services were designed to improve financial literacy and promote informed financial decision-making, particularly for individuals and families experiencing financial hardship or limited financial resources. Educational topics included budgeting, saving, credit management, responsible use of credit, debt reduction strategies, and consumer awareness. Resources were provided through in-person presentations, virtual platforms, websites, publications, and other digital channels. Additional outreach included media appearances and educational programming focused on budgeting, money management, and consumer financial education.
Debt Management Program: Family Credit Management administered debt management plans for consumers seeking structured repayment assistance with unsecured debts. Under these plans, Family Credit...
Debt Management Program: Family Credit Management administered debt management plans for consumers seeking structured repayment assistance with unsecured debts. Under these plans, Family Credit worked with participating creditors to facilitate repayment through consolidated monthly payments, which may include reduced interest rates or fees when available. Participants also received ongoing counseling, budget reviews, and financial education designed to support sustainable financial habits and long-term financial stability.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $10,056,017 | $7,901,292 | +0.3% |
| Expenses | $8,169,806 | $6,237,105 | +0.3% |
| Net Income | $1,886,211 | $1,664,187 | +0.1% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| Michael McAuliffe MS | Director & President | 60.00 |
Officer
Director
|
$447,812 | $51,991 | $499,803 |
| 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
|
$166,099 | $41,006 | $207,105 |
| Sarabeth O'Neil MS | Senior Vice President | 50.00 |
Officer
|
$198,321 | $9,004 | $207,325 |
| Erika Emanuel | Information Tech Mgr | 50.00 |
Highest
|
$138,409 | $33,107 | $171,516 |
| Alexandria Ingarra | Counseling Dept Mgr | 50.00 |
Highest
|
$103,037 | $11,141 | $114,178 |
| Christine Thorne | Assistant Vice-Pres | 50.00 |
Highest
|
$156,468 | $25,968 | $182,436 |
| Traci Walsh | Assistant Vice-Pres | 50.00 |
Highest
|
$150,805 | $16,908 | $167,713 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $10,056,017 | $8,169,806 | $12,114,882 | $1,886,211 |
| 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 |
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