CHRISTIAN CREDIT COUNSELORS INC

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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

1992

Legal Domicile

Principal Officer

GREGORY MCTAGGART

Phone

7608048515

Tax Period

2025-01-01 to 2025-12-31

CHRISTIAN CREDIT COUNSELORS INC, founded in 1992, is a community nonprofit in the Human Services sector that reported $4.9M in total revenue in fiscal year 2025. Revenue surged 26% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2.2M, a strong 45% operating margin.

Mission

HELP INDIVIDUALS AND FAMILIES BURDENED WITH FINANCIAL PRESSURES LEARN HOW TO BECOME DEBT FREE AND ATTAIN FINANCIAL FREEDOM.

Program Service Accomplishments

Program 1

Expenses: $977,698

PROVIDE THE PUBLIC WITH ASSISTANCE IN THEIR FINANCIAL DECISIONS ACCORDING TO BIBLICAL PRINCIPLES BY PROVIDING THE PROPER TOOLS AND RESOURCES THROUGH EDUCATION PROGRAMS, CREDIT COUNSELING, AND...

PROVIDE THE PUBLIC WITH ASSISTANCE IN THEIR FINANCIAL DECISIONS ACCORDING TO BIBLICAL PRINCIPLES BY PROVIDING THE PROPER TOOLS AND RESOURCES THROUGH EDUCATION PROGRAMS, CREDIT COUNSELING, AND COMMUNITY OUTREACH.

Program 2

Expenses: $744,298

PROVIDE DEBT RELIEF TO THOSE ENROLLED IN THE PROGRAM BY WORKING WITH CREDITORS TO REDUCE MONTHLY PAYMENTS AND INTEREST RATES AND WAIVE OR REDUCE PENALTIES.

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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 $434,863

Program Service Revenue $4,057,255

Investment Income $368,867

Other Revenue $15,478

TOTAL REVENUE $4,876,463

Expense Breakdown

Grants Paid $97,003

Salaries & Benefits $1,597,507

Fundraising Expenses $0

Program Expenses $1,721,996

Other Expenses $1,007,783

TOTAL EXPENSES $2,702,293

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,876,463	$3,872,579	+0.3%
Expenses	$2,702,293	$2,515,693	+0.1%
Net Income	$2,174,170	$1,356,886	+0.6%

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

$670,727

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREGORY MCTAGGART	Pres/DIRECTOR	40.00	Officer	$214,920	$30,298	$245,218
KARLA MCTAGGART	Secretary	40.00	Officer	$223,338	$21,146	$244,484
KELLEY MCTAGGART	Vice President	40.00	Officer	$136,587	$44,438	$181,025
RICHARD SAYEN	Director	3.00	Director	$0	$0	$0
GREGORY GILLUM JR	Director	3.00	Director	$0	$0	$0
JOHN WHITE	Director	3.00	Director	$0	$0	$0
DAN MURINCSAK	Director	3.00	Director	$0	$0	$0
BRAD WOOD	Director	3.00	Director	$0	$0	$0
MELINDA WENSTRUP	Director	3.00	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	$4,876,463	$2,702,293	$17,698,668	$2,174,170
2024	$3,872,579	$2,515,693	$13,378,987	$1,356,886
2023	$2,997,488	$2,272,062	$9,847,151	$725,426
2022	$2,790,959	$2,226,443	$6,458,952	$564,516
2021	$3,449,716	$2,591,738	$10,984,910	$857,978
2020	$4,872,250	$2,403,603	$8,219,064	$2,468,647
2019	$2,611,134	$2,338,386	$8,072,795	$272,748
2018	$2,083,458	$2,500,763	$7,549,042	$-417,305