CONSUMER CREDIT COUNSELING SERVICE OF NORTHEASTERN IOWA INC (EIN 421236403) - 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

1984

Legal Domicile

Principal Officer

KAREN ATWOOD

Phone

3192340661

Tax Period

2019-01-01 to 2019-12-31

CONSUMER CREDIT COUNSELING SERVICE OF NORTHEASTERN IOWA INC, founded in 1984, is a small nonprofit that reported $205K in total revenue in fiscal year 2019. Revenue decreased 17% compared to the prior year.

Mission

PROVIDING CREDIT EDUCATION SERVICES TO PERSONS LIVING IN IOWA AND SURROUNDING STATES CONCERNING CREDIT AND DEBT ISSUES. DURING 2019, 602 NEW FAMILIES CAME FOR CREDIT COUNSELING. CCCS OF NE IA PRESENTS CLASSES TO HIGH SCHOOL STUDENTS AND THE GENERAL PUBLIC ON VARIOUS FINANCIAL EDUCATION SUBJECTS.

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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 (2019)

Revenue Breakdown

Contributions & Grants $48,429

Program Service Revenue $151,933

Investment Income $-863

Other Revenue $5,723

TOTAL REVENUE $205,222

Expense Breakdown

Grants Paid $0

Salaries & Benefits $132,960

Fundraising Expenses $0

Program Expenses $180,683

Other Expenses $89,531

TOTAL EXPENSES $222,491

Year-over-Year Comparison

	2019	2018	Change
Revenue	$205,222	$247,811	-0.2%
Expenses	$222,491	$281,686	-0.2%
Net Income	$-17,269	$-33,875	-0.5%

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

$12,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN ATWOOD	EXECUTIVE DI	40.00	Officer	$12,000	$0	$12,000
PAUL ANTON	TREASURER	N/A	Officer Director	$0	$0	$0
BROOKE DAHLQUIST	DIRECTOR	N/A	Director	$0	$0	$0
WADE MCDONOUGH	DIRECTOR	N/A	Director	$0	$0	$0
MIKE STOUT	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
LAURIE WATJE	PRESIDENT	N/A	Officer 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
2019	$205,222	$222,491	$148,259	$-17,269
2018	$247,811	$281,686	$149,723	$-33,875

CONSUMER CREDIT COUNSELING SERVICE OF NORTHEASTERN IOWA INC