CONSUMER CREDIT COUNSELING SERVICE OF THE SAVANNAH AREA INC (EIN 580958705) - 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

Legal Domicile

Principal Officer

JOHN WILLS

Phone

9126912227

Tax Period

2025-01-01 to 2025-12-31

CONSUMER CREDIT COUNSELING SERVICE OF THE SAVANNAH AREA INC is a small nonprofit that reported $212K in total revenue in fiscal year 2025. Revenue fell 61% from the prior year — a significant decline worth monitoring. Expenses of $958K exceeded revenue, resulting in a 352% operating deficit.

Mission

TO PROVIDE THE BEST NON-PROFIT COMMUNITY SERVICE, DEDICATED TO DELIVERING PROFESSIONAL AND CONFIDENTIAL COUNSELING, DEBT MANAGEMENT, HOUSING COUNSELING AND CONSUMER CREDIT EDUCATION TO ALL SEGMENTS OF THE COMMUNITY REGARDLESS OF ABILITY TO PAY

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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 (2025)

Revenue Breakdown

Contributions & Grants $89,978

Program Service Revenue $41,658

Investment Income $1,874

Other Revenue $78,436

TOTAL REVENUE $211,946

Expense Breakdown

Grants Paid $0

Salaries & Benefits $425,570

Fundraising Expenses $0

Program Expenses $859,447

Other Expenses $532,263

TOTAL EXPENSES $957,833

Year-over-Year Comparison

	2025	2024	Change
Revenue	$211,946	$542,507	-0.6%
Expenses	$957,833	$774,824	+0.2%
Net Income	$-745,887	$-232,317	+2.2%

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

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

$160,561

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN WILLS	EXEC DIRECTO	40.00	Officer	$160,561	$0	$160,561
DR SANDRA MCCORD BEST	SECRETARY	3.00	Officer Director	$0	$0	$0
MATTHEW BRIGMAN	BOARD MEMBER	2.00	Director	$0	$0	$0
THOMAS L COLE	BOARD MEMBER	2.00	Director	$0	$0	$0
JAMIE DURRENCE	2ND VICE CHA	3.00	Officer Director	$0	$0	$0
MARY G FULLER	VICE CHAIR	3.00	Officer Director	$0	$0	$0
ALFREDA GOLDWIRE	BOARD MEMBER	2.00	Director	$0	$0	$0
MATTHEW GUNN	BOARD MEMBER	2.00	Director	$0	$0	$0
JUDSON L HENDRY	BOARD MEMBER	2.00	Director	$0	$0	$0
TJ HILLIARD	BOARD MEMBER	2.00	Director	$0	$0	$0
DENISE HOLGUIN	BOARD MEMBER	2.00	Director	$0	$0	$0
LARRY JACKSON	BOARD MEMBER	2.00	Director	$0	$0	$0
JAMES E DAVIS JR	TREASURER	3.00	Officer Director	$0	$0	$0
CHRIS A MILTIADES	BOARD MEMBER	2.00	Director	$0	$0	$0
JESSICA PACE	BOARD MEMBER	2.00	Director	$0	$0	$0
MARSHA D SCOTT	BOARD MEMBER	2.00	Director	$0	$0	$0
ROBERT WHITMARSH	BOARD CHAIR	3.00	Officer 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	$211,946	$957,833	No data	$-745,887
2024	$542,507	$774,824	$800,648	$-232,317
2023	$543,702	$719,215	$994,289	$-175,513
2022	$637,897	$606,480	$1,189,766	$31,417
2021	$564,336	$545,608	$1,147,306	$18,728
2020	$616,798	$556,344	$1,119,994	$60,454
2019	$627,745	$577,827	$1,100,386	$49,918
2018	$682,917	$564,275	$1,002,770	$118,642

CONSUMER CREDIT COUNSELING SERVICE OF THE SAVANNAH AREA INC