CONSUMER CREDIT OF DES MOINES (EIN 421301505) - 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

1987

Legal Domicile

Principal Officer

THOMAS COATES

Phone

5152876428

Tax Period

2025-01-01 to 2025-12-31

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.

Mission

ASSIST AND EDUCATE CLIENTS IN DEVELOPING PLANS TO REPAY & REDUCE EXCESSIVE PERSONAL INDEBTEDNESS.

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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 $177,141

Program Service Revenue $1,497,987

Investment Income $39,708

Other Revenue $0

TOTAL REVENUE $1,714,836

Expense Breakdown

Grants Paid $0

Salaries & Benefits $733,112

Fundraising Expenses $0

Program Expenses $780,128

Other Expenses $521,351

TOTAL EXPENSES $1,254,463

Year-over-Year Comparison

	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%

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

$307,302

Total Directors

$307,302

Key Employees

Highest Compensated

reported

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

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	$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

CONSUMER CREDIT OF DES MOINES