Consumer Credit Counseling Service of Western North Carolina Inc (EIN 561056077) - 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

1973

Legal Domicile

Principal Officer

Matt Belitsos

Phone

8282555166

Tax Period

2024-07-01 to 2025-06-30

Consumer Credit Counseling Service of Western North Carolina Inc, founded in 1973, is a community nonprofit in the Human Services sector that reported $1.2M in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. Expenses of $1.1M left a modest 6% surplus.

Mission

OnTrack WNC helps people achieve their money and housing goals through financial education, counseling and support so that they can overcome crises, afford basic needs, improve money management skills and make sound financial choices rooted in their values.

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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 $983,056

Program Service Revenue $142,834

Investment Income $53,422

Other Revenue $0

TOTAL REVENUE $1,179,312

Expense Breakdown

Grants Paid $87,360

Salaries & Benefits $767,280

Fundraising Expenses $77,018

Program Expenses $866,314

Other Expenses $250,205

TOTAL EXPENSES $1,104,845

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,179,312	$1,288,005	-0.1%
Expenses	$1,104,845	$1,385,723	-0.2%
Net Income	$74,467	$-97,718	-1.8%

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

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

$193,391

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Melinda Bullen	Departing Executive Director	40.00	Officer	$103,483	$10,387	$113,870
Peter Wrublewski	Finance Director / Interim Exec Director	40.00	Officer	$69,710	$9,811	$79,521
April Brown	President	2.00	Officer Director	$0	$0	$0
Mark Anthony McGruder	Vice-President	2.00	Officer Director	$0	$0	$0
Matthew Belitsos	Treasurer	2.00	Officer Director	$0	$0	$0
Emily Wheeler	Secretary	2.00	Officer Director	$0	$0	$0
David Werle	Immediate Past President	2.00	Director	$0	$0	$0
Kathey Avery	Director	1.00	Director	$0	$0	$0
Tara Abshire	Director	1.00	Director	$0	$0	$0
Michael Bean	Director	1.00	Director	$0	$0	$0
Tara Brown	Director	1.00	Director	$0	$0	$0
Elaine Deppe	Director	1.00	Director	$0	$0	$0
Jenny Forero	Director	1.00	Director	$0	$0	$0
Terrance McNight	Director	1.00	Director	$0	$0	$0
Kathy Minter	Director	1.00	Director	$0	$0	$0
Mike Peterson	Director	1.00	Director	$0	$0	$0
Tangela Robinson	Director	1.00	Director	$0	$0	$0
Allison Rollison	Director	1.00	Director	$0	$0	$0
Rob Sacasa	Director	1.00	Director	$0	$0	$0
Sallie Williams	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
2025	$1,179,312	$1,104,845	$1,328,038	$74,467
2024	$1,288,005	$1,385,723	$1,197,023	$-97,718
2023	$1,322,406	$1,392,355	$1,594,599	$-69,949
2022	$1,072,793	$1,188,418	$2,015,987	$-115,625
2021	$949,390	$1,064,006	$2,247,692	$-114,616
2020	$1,582,109	$1,232,911	$1,682,438	$349,198
2019	$1,149,421	$1,258,973	$1,322,639	$-109,552
2018	$1,282,173	$1,102,833	$1,537,627	$179,340

Consumer Credit Counseling Service of Western North Carolina Inc