Consumer Credit Counseling Service of Springfield (EIN 431483251) - 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

1988

Legal Domicile

Phone

4178897474

Tax Period

2024-07-01 to 2025-06-30

Consumer Credit Counseling Service of Springfield, founded in 1988, is a small nonprofit that reported $938K in total revenue in fiscal year 2024. Revenue surged 92% from the prior year, signaling strong growth momentum.

Mission

Improving economic security through financial education and coaching. Organization vision statement: Financial Freedom for All.

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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 (2024)

Revenue Breakdown

Contributions & Grants $256,407

Program Service Revenue $305,750

Investment Income $375,869

Other Revenue $75

TOTAL REVENUE $938,101

Expense Breakdown

Grants Paid $0

Salaries & Benefits $663,548

Fundraising Expenses $146

Program Expenses $746,666

Other Expenses $328,176

TOTAL EXPENSES $991,724

Year-over-Year Comparison

	2024	2023	Change
Revenue	$938,101	$488,246	+0.9%
Expenses	$991,724	$778,534	+0.3%
Net Income	$-53,623	$-290,288	-0.8%

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

Total Directors

Key Employees

$65,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Holly Wilson	Executive Director	40.00	Key Emp	$65,000	$0	$65,000
Riley Daniels	Board Member	0.00	Director	$0	$0	$0
Joyce Wong	Board Member	0.00	Director	$0	$0	$0
Katy Velasquez	Board Member	0.00	Director	$0	$0	$0
Jeff Witherspoon	Board Member	0.00	Director	$0	$0	$0
Stephen Evans	Vice President	0.00	Officer	$0	$0	$0
Alexandra Graham	Secretary	0.00	Officer	$0	$0	$0
Kris Keller	Treasurer	0.00	Officer	$0	$0	$0
Jon Gold	President	0.00	Officer	$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	$938,101	$991,724	$466,622	$-53,623
2024	$488,246	$778,534	$523,573	$-290,288
2023	$3,564,237	$3,755,167	$728,029	$-190,930
2022	$4,157,049	$4,048,324	$1,737,284	$108,725
2021	$241,091	$309,749	$863,804	$-68,658
2019	$440,293	$508,852	$957,678	$-68,559
2018	$363,158	$434,239	$998,449	$-71,081

Consumer Credit Counseling Service of Springfield