Consumer Credit Counseling Service Inc (EIN 480995970) - 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

1985

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

Consumer Credit Counseling Service Inc, founded in 1985, is a small nonprofit that reported $262K in total revenue in fiscal year 2023. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $430K exceeded revenue, resulting in a 64% operating deficit.

Mission

To empower individuals through education and counseling to make sound financial decisions.

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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 (2023)

Revenue Breakdown

Contributions & Grants $154,139

Program Service Revenue $107,483

Investment Income $600

Other Revenue $0

TOTAL REVENUE $262,222

Expense Breakdown

Grants Paid $0

Salaries & Benefits $293,052

Fundraising Expenses $4,290

Program Expenses $364,774

Other Expenses $136,565

TOTAL EXPENSES $429,617

Year-over-Year Comparison

	2023	2022	Change
Revenue	$262,222	$348,964	-0.2%
Expenses	$429,617	$420,194	+0.0%
Net Income	$-167,395	$-71,230	+1.4%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Raven Dickson	Executive Director	40.00	Highest	$52,784	$0	$52,784
Jacob Burrow	Board Member	1.00	Director	$0	$0	$0
Mona Martin	Board Member	1.00	Director	$0	$0	$0
Doug Cranmer	Board Member	1.00	Director	$0	$0	$0
Nathan Sander	Board Member	1.00	Director	$0	$0	$0
Leyanne Oller	Secretary	1.00	Officer Director	$0	$0	$0
Kevin Wilmoth	Vice President	1.00	Officer Director	$0	$0	$0
Chris Taylor	President	1.00	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
2024	No data	No data	No data	No data
2023	$262,222	$429,617	$59,581	$-167,395
2022	$348,964	$420,194	$256,030	$-71,230
2021	$376,593	$517,932	$360,345	$-141,339
2020	$486,347	$478,637	$420,545	$7,710

Consumer Credit Counseling Service Inc