DES MOINES, IA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)CONSUMER CREDIT OF DES MOINES, founded in 1987, is a community nonprofit in the Human Services sector that reported $1.7M in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $460K, a strong 27% operating margin.
ASSIST AND EDUCATE CLIENTS IN DEVELOPING PLANS TO REPAY & REDUCE EXCESSIVE PERSONAL INDEBTEDNESS.
THE ORGANIZATION PROVIDES ASSISTANCE TO CONSUMERS SEEKING CREDIT COUNSELING, BUDGET AND FINANCIAL ADVICE, AND OFFERS A DEBT MANAGEMENT PROGRAM WHERE APPROPRIATE. THE ORGANIZATION FOLLOWS THE REQUIRED...
THE ORGANIZATION PROVIDES ASSISTANCE TO CONSUMERS SEEKING CREDIT COUNSELING, BUDGET AND FINANCIAL ADVICE, AND OFFERS A DEBT MANAGEMENT PROGRAM WHERE APPROPRIATE. THE ORGANIZATION FOLLOWS THE REQUIRED CRITERIA FOR EXEMPTION UNDER INTERNAL REVENUE CODE SECTION 501(Q). DURING 2025, THE ORGANIZATION PROVIDED FREE BUDGET AND CREDIT COUNSELING TO OVER TWO THOUSAND INDIVIDUALS AND FAMILIES WITH APPROXIMATELY 876 ELECTING TO ENTER INTO A DEBT MANAGEMENT PLAN AGREEMENT WITH THE ORGANIZATION. DURING 2025, 301 INDIVIDUALS SUCCESSFULLY COMPLETED THEIR DEBT MANAGEMENT PLANS ADMINISTERED BY THE ORGANIZATION, PAYING OFF ALL THEIR UNSECURED DEBTS IN FULL.
THE ORGANIZATION PROVIDES PRE-BANKRUPTCY COUNSELING TO INDIVIDUAL PARTICIPATING IN THE UNITED STATES TRUSTEE'S PROGRAM.THE ORGANIZATION IS AN APPROVED NONPROFIT BUDGET AND CREDIT COUNSELING AGENCY...
THE ORGANIZATION PROVIDES PRE-BANKRUPTCY COUNSELING TO INDIVIDUAL PARTICIPATING IN THE UNITED STATES TRUSTEE'S PROGRAM.THE ORGANIZATION IS AN APPROVED NONPROFIT BUDGET AND CREDIT COUNSELING AGENCY, HAVING RECEIVED ITS INITIAL APPROVAL AS SUCH FROM THE U.S. DEPARTMENT OF JUSTICE, EXECUTIVE OFFICE FOR UNITED STATES TRUSTEES, IN 2006. IN 2025, THE ORGANIZATION CONDUCTED 99 PRE-BANKRUPTCY COUNSELING SESSIONS, AND THE ORGANIZATION WAIVED OR REDUCED THE ALLOWABLE STATUTORY FEES FOR PRE-BANKRUPTCY COUNSELING IN 23% OF ALL CASES DUE TO CLIENT'S LIMITED RESOURCES OR FINANCIAL HARDSHIP.THE ORGANIZATION ALSO PROVIDES POST-BANKRUPTCY DEBTOR EDUCATION.
THE ORGANIZATION PRESENTS FREE EDUCATIONAL SEMINARS CONCERNING CREDIT COUNSELING, BUDGETING AND FINANCIAL PLANNING TO THE GENERAL PUBLIC THROUGHOUT THE YEAR.THE ORGANIZATION CONTINUED ITS LONG...
THE ORGANIZATION PRESENTS FREE EDUCATIONAL SEMINARS CONCERNING CREDIT COUNSELING, BUDGETING AND FINANCIAL PLANNING TO THE GENERAL PUBLIC THROUGHOUT THE YEAR.THE ORGANIZATION CONTINUED ITS LONG HISTORY OF PROVIDING FREE EDUCATION PROGRAMS TO THE GENERAL PUBLIC DURING 2025. THE ORGANIZATION CONDUCTED IN-PERSON PRESENTATIONS ON VARIOUS CONSUMER CREDIT, BUDGETING AND PERSONAL FINANCE SUBJECTS TO NUMEROUS GROUPS.IN ADDITION, THE ORGANIZATION MAINTAINS A VAST ELECTRONIC EDUCATION LIBRARY ON ITS WEBSITE, WHERE INDIVIDUALS CAN ACCESS INFORMATIONAL MATERIALS COVERING TOPICS ADDRESSING PERSONAL FINANCE AND FINANCIAL LITERACY.
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 | $1,714,836 | $1,462,736 | +0.2% |
| Expenses | $1,254,463 | $1,300,327 | 0.0% |
| Net Income | $460,373 | $162,409 | +1.8% |
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 |
|---|---|---|---|---|---|---|
| THOMAS COATES | PRESIDENT | 40.00 |
Officer
Director
|
$75,235 | $3,526 | $78,761 |
| LEE ANN COATES | SECRETARY | 5.00 |
Officer
Director
|
$18,656 | $0 | $18,656 |
| KATIE OCHANPAUGH | TREASURER | 32.00 |
Officer
Director
|
$72,903 | $22,556 | $95,459 |
| DAVID SHELLEDY | CHAIRMAN | 1.00 |
Director
|
$0 | $0 | $0 |
| RICHARD PIATT | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| MARK KIRKLAND | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| LINDA JACOB | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| LISA OHNEMUS | EXECUTIVE DIRECTOR | 30.00 |
Officer
Director
|
$91,276 | $23,150 | $114,426 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $1,714,836 | $1,254,463 | $3,004,053 | $460,373 |
| 2024 | No data | No data | No data | No data |
| 2023 | $1,098,266 | $1,298,532 | $2,147,599 | $-200,266 |
| 2022 | $1,123,302 | $1,296,170 | $2,208,561 | $-172,868 |
| 2021 | $1,382,576 | $1,376,068 | $2,361,855 | $6,508 |
| 2020 | $1,621,873 | $1,402,616 | $2,214,596 | $219,257 |
| 2019 | $1,495,727 | $1,429,458 | $2,161,947 | $66,269 |
| 2018 | $1,416,434 | $1,510,230 | $2,032,304 | $-93,796 |
Compare CONSUMER CREDIT OF DES MOINES with other nonprofits in Iowa and across the country.