ALLIANCE CREDIT COUNSELING INC (EIN 562196261) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2000

Legal Domicile

Principal Officer

KEVIN PORTER

Phone

7045402477

Tax Period

2019-07-01 to 2020-06-30

ALLIANCE CREDIT COUNSELING INC, founded in 2000, is a small nonprofit that reported $283K in total revenue in fiscal year 2019. Revenue fell 52% from the prior year — a significant decline worth monitoring. Expenses of $448K exceeded revenue, resulting in a 58% operating deficit.

Mission

CHARITABLE ASSISTANCE FOR THE POOR AND DISTRESSED AND FINANCIAL EDUCATION FOR THE PUBLIC.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2019)

Revenue Breakdown

Contributions & Grants $141,654

Program Service Revenue $141,824

Investment Income $0

Other Revenue $0

TOTAL REVENUE $283,478

Expense Breakdown

Grants Paid $0

Salaries & Benefits $172,460

Fundraising Expenses $1,619

Program Expenses $428,355

Other Expenses $275,641

TOTAL EXPENSES $448,101

Year-over-Year Comparison

	2019	2018	Change
Revenue	$283,478	$595,060	-0.5%
Expenses	$448,101	$801,444	-0.4%
Net Income	$-164,623	$-206,384	-0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$63,329

Total Directors

$63,329

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN PORTER	PRESIDENT/ S	40.00	Officer Director	$41,787	$0	$41,787
KERRY P PORTER	TREASURER	20.00	Officer Director	$21,542	$0	$21,542
CHARLES E OLIPHANT CPA	BOARD MEMBER	1.00	Director	$0	$0	$0
JOE CARLSON	BOARD MEMBER	1.00	Director	$0	$0	$0
DOUGLASS C COLBERT JR MBA	BOARD MEMBER	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
2020	$283,478	$448,101	$217,743	$-164,623
2018	$762,375	$866,266	$714,939	$-103,891

ALLIANCE CREDIT COUNSELING INC