CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC

EIN: 520846275 501(c)(3)

COLUMBIA, MD

Total Revenue
$2,517,980
Total Expenses
$2,914,328
Total Assets
N/A
Net Assets
N/A
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1966
Legal Domicile
MD
Principal Officer
HELENE RAYNAUD
Phone
4435140600
Tax Period
2023-01-01 to 2023-12-31

CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC, founded in 1966, is a community nonprofit that reported $2.5M in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year. Expenses of $2.9M exceeded revenue, resulting in a 16% operating deficit.

Mission

TO HELP STABILIZE COMMUNITIES BY CREATING HOPE AND PROMOTING ECONOMIC SELF-SUFFICIENCY.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $2,052,048
Program Service Revenue $331,509
Investment Income $134,423
Other Revenue $0
TOTAL REVENUE $2,517,980

Expense Breakdown

Grants Paid $1,026,163
Salaries & Benefits $1,295,875
Fundraising Expenses $0
Program Expenses $2,468,016
Other Expenses $592,290
TOTAL EXPENSES $2,914,328

Year-over-Year Comparison

2023 2022 Change
Revenue $2,517,980 $2,793,129 -0.1%
Expenses $2,914,328 $3,939,021 -0.3%
Net Income $-396,348 $-1,145,892 -0.7%
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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Governance

Voting Members
12
Independent Members
12
Employees
N/A
Volunteers
10

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
5
$228,111
Total Directors
12
$0
Key Employees
0
$0
Highest Compensated
2
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
HELENE RAYNAUD PRESIDENT, CEO 40
Officer
$200,102 $10,000 $228,111
SUSAN FITZ VP, COUNSELING, PROGRAM & COMPLIANCE 40
Highest
$107,843 $14,020 $121,863
EMILY HICKOX VP, MARKETING 40
Highest
$105,466 $5,273 $110,739
BRIAN TAYLOR SECRETARY 0.5
Officer Director
$0 $0 $0
WILLIAM E MILLS III BOARD CHAIR 0.5
Officer Director
$0 $0 $0
MILLA KRASNOPOLSKY TREASURER 0.5
Officer Director
$0 $0 $0
LAURIE BENNER BOARD MEMBER 0.5
Director
$0 $0 $0
BLAKE ALLISON BOARD MEMBER 0.5
Director
$0 $0 $0
RAHN BARNES BOARD MEMBER 0.5
Director
$0 $0 $0
JUSTIN COUSINS BOARD MEMBER 0.5
Director
$0 $0 $0
LAUREN HUGHES BOARD MEMBER 0.5
Director
$0 $0 $0
BENJAMIN LOWENTHAL BOARD MEMBER 0.5
Director
$0 $0 $0
JOYCE ODONGO BOARD VICE CHAIR 0.5
Officer Director
$0 $0 $0
GAIL SANDERS BOARD MEMBER 0.5
Director
$0 $0 $0
SARAH COFFEY BOWES BOARD MEMBER 0.5
Director
$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
2023 $2,517,980 $2,914,328 No data $-396,348
2022 $2,793,129 $3,939,021 $9,200,973 $-1,145,892
2021 $2,872,253 $2,323,228 $10,074,197 $549,025
2020 $2,233,827 $2,606,283 $9,406,278 $-372,456
2019 $2,319,362 $2,435,554 $9,172,638 $-116,192
2018 $2,541,023 $3,763,337 $8,739,741 $-1,222,314
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