CONSUMER CREDIT COUNSELING SERVICES OF WEST FLORIDA INC (EIN 521242143) - 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

1975

Legal Domicile

Principal Officer

JERRY MAYGARDEN

Phone

8505728419

Tax Period

2018-01-01 to 2018-12-31

CONSUMER CREDIT COUNSELING SERVICES OF WEST FLORIDA INC, founded in 1975, is a micro nonprofit that reported $16K in total revenue in fiscal year 2018. Revenue fell 98% from the prior year — a significant decline worth monitoring. Expenses of $727K exceeded revenue, resulting in a 4399% operating deficit.

Mission

TO PROVIDE FINANCIAL COUNSELING TO THE PUBLIC.

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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 (2018)

Revenue Breakdown

Contributions & Grants $28

Program Service Revenue $0

Investment Income $3,180

Other Revenue $12,943

TOTAL REVENUE $16,151

Expense Breakdown

Grants Paid $715,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $715,000

Other Expenses $11,640

TOTAL EXPENSES $726,640

Year-over-Year Comparison

	2018	2017	Change
Revenue	$16,151	$886,399	-1.0%
Expenses	$726,640	$97,915	+6.4%
Net Income	$-710,489	$788,484	-1.9%

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

N/A

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
JERRY MAYGARDEN	CHAIRMAN	1.00	Officer Director	$0	$0	$0
ERIN RAMOS-LUTTRELL	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
PAUL YOUNG	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
PAMELA HATT	DIRECTOR	1.00	Director	$0	$0	$0
KRISTINE RUSHING	DIRECTOR	1.00	Director	$0	$0	$0
MARK HARDEN	DIRECTOR	1.00	Director	$0	$0	$0
NATALIE SHEARLOCK	DIRECTOR	1.00	Director	$0	$0	$0
EDWARD RANELLI	DIRECTOR	1.00	Director	$0	$0	$0
JOHN CLARK	DIRECTOR	1.00	Director	$0	$0	$0
WALTER WALLACE	DIRECTOR	1.00	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
2018	$16,151	$726,640	$120,940	$-710,489

CONSUMER CREDIT COUNSELING SERVICES OF WEST FLORIDA INC