CREDIT ADVISORS FOUNDATION

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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

1991

Legal Domicile

Principal Officer

ELEANOR HOHMAN

Phone

4023933100

Tax Period

2024-01-01 to 2024-12-31

CREDIT ADVISORS FOUNDATION, founded in 1991, is a community nonprofit in the Human Services sector that reported $1.9M in total revenue in fiscal year 2024. Revenue fell 27% from the prior year — a significant decline worth monitoring. Net assets of $6.2M represent 39 months of operating reserves.

Mission

OUR MISSION IS TO EMPOWER CONSUMERS TO EFFECTIVELY MANAGE THEIR FINANCES, CREATE ECONOMIC SECURITY, AND REALIZE EQUALITY OF ACCESS AND OPPORTUNITY.

Program Service Accomplishments

Program 1

Expenses: $651,487 Revenue: $65,552

HOUSING- SEE SCHEDULE O

Program 2

Expenses: $404,550 Revenue: $29,247

EDUCATION- SEE SCHEDULE O

Program 3

Expenses: $449,843 Revenue: $770,745

DEBT MANAGEMENT PLANS- SEE SCHEDULE O

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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 $922,038

Program Service Revenue $878,969

Investment Income $112,869

Other Revenue $0

TOTAL REVENUE $1,913,876

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,076,184

Fundraising Expenses $0

Program Expenses $1,657,530

Other Expenses $829,411

TOTAL EXPENSES $1,905,595

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,913,876	$2,605,907	-0.3%
Expenses	$1,905,595	$1,771,276	+0.1%
Net Income	$8,281	$834,631	-1.0%

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

$278,929

Total Directors

$220,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELEANOR HOHMAN	EXECUTIVE DIRECTOR	50.00	Officer Director	$220,000	$0	$220,000
ROBERT BUGLEWICZ	DIRECTOR	5.00	Director	$0	$0	$0
JUDY DAVIS	DIRECTOR	5.00	Director	$0	$0	$0
DAVE PHILLIPS	DIRECTOR	5.00	Director	$0	$0	$0
JUAN PICON	DIRECTOR	5.00	Director	$0	$0	$0
MELISSA PEARSON	DIRECTOR	5.00	Director	$0	$0	$0
LISA CAMERON	SECRETARY	45.00	Officer	$58,929	$0	$58,929
CARLO SKRUPA	DEVELOPMENT DIRECTOR	40.00	Highest	$160,000	$0	$160,000

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	No data	No data	No data	No data
2024	$1,913,876	$1,905,595	$6,631,606	$8,281
2023	$2,605,907	$1,771,276	$5,868,407	$834,631
2022	$1,737,632	$1,582,067	$4,661,984	$155,565
2021	$1,612,156	$1,346,587	$5,047,344	$265,569
2020	$1,375,161	$1,222,564	$4,067,167	$152,597
2019	$1,133,585	$1,156,341	$3,198,325	$-22,756
2018	$1,075,623	$1,037,640	$2,766,967	$37,983