NATIONAL FOUNDATION FOR CREDIT COUNSELING INC

EIN: 530132493 501(c)(3) Human Services

WASHINGTON, DC

Total Revenue
$9,663,493
Total Expenses
$10,982,606
Total Assets
$7,689,049
Net Assets
$4,082,893
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Financial Trends

Organization Details

Formation Year
1970
Legal Domicile
DC
Principal Officer
MICHAEL CROXSON
Phone
2026774314
Tax Period
2023-01-01 to 2023-12-31

NATIONAL FOUNDATION FOR CREDIT COUNSELING INC, founded in 1970, is a community nonprofit in the Human Services sector that reported $9.7M in total revenue in fiscal year 2023. Expenses of $11.0M exceeded revenue, resulting in a 14% operating deficit.

Mission

TO LEAD A NATIONAL MOVEMENT THAT BETTER EQUIPS AMERICANS TO MANAGE THEIR FINANCIAL FUTURES AND, IN TURN, ADVANCES THE ECONOMY AND OUR NATION AS A WHOLE. FOUNDED IN 1951, THE NATIONAL FOUNDATION FOR CREDIT COUNSELING (NFCC) IS THE OLDEST NONPROFIT DEDICATED TO IMPROVING PEOPLE'S FINANCIAL WELL-BEING. WITH 55 MEMBER AGENCIES AND OVER 1,200 NFCC CERTIFIED CREDIT COUNSELORS SERVING 50 STATES AND ALL U.S. TERRITORIES, OUR NFCC CERTIFIED CREDIT COUNSELORS ARE FINANCIAL ADVOCATES, EMPOWERING MILLIONS OF CONSUMERS TO TAKE CHARGE OF THEIR FINANCES THROUGH ONE-ON ONE FINANCIAL REVIEWS THAT ADDRESS CREDIT CARD DEBT, STUDENT LOANS, HOUSING DECISIONS, AND OVERALL MONEY MANAGEMENT.

Program Service Accomplishments

Program 1
Expenses: $4,755,461 Revenue: $4,327,336

HOUSING COUNSELING: DEVELOP AND MAINTAIN PARTNERSHIPS WITH COALITION OF HUD INTERMEDIARIES, INCLUDING MORTGAGE LENDERS AND SERVICERS, TO HELP MEMBERS ASSIST CONSUMERS WITH PRE-HOME OWNERSHIP...

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HOUSING COUNSELING: DEVELOP AND MAINTAIN PARTNERSHIPS WITH COALITION OF HUD INTERMEDIARIES, INCLUDING MORTGAGE LENDERS AND SERVICERS, TO HELP MEMBERS ASSIST CONSUMERS WITH PRE-HOME OWNERSHIP (PRE-PURCHASE) COUNSELING, POST-PURCHASE COUSENLING TO HELP ENSURE THAT NEW OWNERS CAN REMAIN IN THEIR HOMES, EVICTION (FOR RENTERS) AND FORECLOSURE PREVENTION

Program 2
Expenses: $3,101,076 Revenue: $0

MEMBERSHIP SUPPORT: FOSTER MEMBER COMMUNICATIONS; HOLD MEMBER MEETINGS AND ANNUAL CONFERENCE; PROVIDE COUNSELOR CERTIFICATION; PROVIDE A PATH TO ASSISTANCE FOR CONSUMERS VIA THE CONSUMER'S PREFERRED...

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MEMBERSHIP SUPPORT: FOSTER MEMBER COMMUNICATIONS; HOLD MEMBER MEETINGS AND ANNUAL CONFERENCE; PROVIDE COUNSELOR CERTIFICATION; PROVIDE A PATH TO ASSISTANCE FOR CONSUMERS VIA THE CONSUMER'S PREFERRED METHOD (CURRENTLY PHONE AND ONLINE FORM, WHILE BUILDING-OUT VIDEO AND DIGITAL ENTRY OPTIONS). MAINTAIN RELATIONSHIPS WITH CREDIT-GRANTING ORGANIZATIONS TO SUPPORT CLIENTS AND MEMBER ORGANIZATIONS, BUILD AWARENESS FOR MISSION THROUGH MEDIA OUTREACH.

Program 3
Expenses: $607,256 Revenue: $0

GENERAL FINANCIAL EDUCATION: DEVELOP AND SUPPORT FINANCIAL EDUCATION FOR CONSUMERS; DEVELOP PARTNERSHIPS WITH OTHER ORGANIZATIONS TO ADDRESS THE NEED FOR PERSONAL FINANCIAL LITERACY. NFCC MEMBER...

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GENERAL FINANCIAL EDUCATION: DEVELOP AND SUPPORT FINANCIAL EDUCATION FOR CONSUMERS; DEVELOP PARTNERSHIPS WITH OTHER ORGANIZATIONS TO ADDRESS THE NEED FOR PERSONAL FINANCIAL LITERACY. NFCC MEMBER AGENCIES HAVE HELPED 35 MILLION PEOPLE SINCE 2006.

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $5,396,039
Program Service Revenue $4,327,336
Investment Income $-59,882
Other Revenue $0
TOTAL REVENUE $9,663,493

Expense Breakdown

Grants Paid $3,336,321
Salaries & Benefits $3,054,746
Fundraising Expenses $188,303
Program Expenses $8,827,254
Other Expenses $4,591,539
TOTAL EXPENSES $10,982,606

Year-over-Year Comparison

2023 2022 Change
Revenue $9,663,493 $9,648,541 +0.0%
Expenses $10,982,606 $9,984,405 +0.1%
Net Income $-1,319,113 $-335,864 +2.9%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
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Governance

Voting Members
16
Independent Members
16
Employees
37
Volunteers
17

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
6
$758,514
Total Directors
17
$0
Key Employees
1
$435,506
Highest Compensated
5
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
DEBBIE BIANUCCI CHAIR 1.00
Officer Director
$0 $0 $0
GENGER CHARLES VICE CHAIR 1.00
Officer Director
$0 $0 $0
JIM TRIGGS SECRETARY 1.00
Officer Director
$0 $0 $0
JAY DESMARTEAU TREASURER 1.00
Officer Director
$0 $0 $0
GLORIA BANKS TRUSTEE 1.00
Director
$0 $0 $0
CHRISTOPHER CAMAIONE-LIND TRUSTEE 1.00
Director
$0 $0 $0
DUANE ELMER TRUSTEE 1.00
Director
$0 $0 $0
JILL FELDMAN TRUSTEE 1.00
Director
$0 $0 $0
SARAH GOLDFRANK TRUSTEE 1.00
Director
$0 $0 $0
MICHAEL GROSSBERG TRUSTEE 1.00
Director
$0 $0 $0
ELEANOR HOHMAN TRUSTEE 1.00
Director
$0 $0 $0
GEORGE JANAS TRUSTEE 1.00
Director
$0 $0 $0
SCOTT LAUGHLIN TRUSTEE - UNTIL 8/2023 1.00
Director
$0 $0 $0
HELENE RAYNAUD TRUSTEE 1.00
Director
$0 $0 $0
FAISAL UDDIN TRUSTEE 1.00
Director
$0 $0 $0
CHRISTOPHER VIALE TRUSTEE 1.00
Director
$0 $0 $0
GARY VOLLMER TRUSTEE 1.00
Director
$0 $0 $0
MICHAEL CROXSON CEO 50.00
Officer
$374,668 $154,529 $529,197
JEFFREY FAULKNER - UNTIL 52023 CFO, HEAD OF FUNDRAISING & RESEARCH 50.00
Officer
$217,687 $11,630 $229,317
JENNIFER LANDIS PIZI COO 50.00
Key Emp
$352,872 $82,634 $435,506
BRUCE MCCLARY SVP, MEDIA RELATIONS & MEMBERSHIP 50.00
Highest
$136,119 $20,356 $156,475
ELLEN GOURY VP, FINANCE & HR 50.00
Highest
$166,475 $38,103 $204,578
MATTHEW RIBE GENERAL COUNSEL 50.00
Highest
$161,625 $47,621 $209,246
JESSICA BLAIS SVP, MARKETING 50.00
Highest
$131,980 $15,715 $147,695
HERMOND PALMER VP, OUTREACH & INCLUSION 50.00
Highest
$169,710 $25,388 $195,098
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 $9,663,493 $10,982,606 $7,689,049 $-1,319,113
2022 $9,648,541 $9,984,405 $9,402,187 $-335,864
2021 $8,760,104 $9,369,612 $8,192,491 $-609,508
2020 $9,543,593 $8,664,176 $7,650,485 $879,417
2019 $9,771,544 $8,346,975 $6,410,619 $1,424,569
2018 $6,043,846 $9,740,921 $5,472,477 $-3,697,075
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