CONSUMER DEBT COUNSELORS INC (EIN 593548266) - 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

1998

Legal Domicile

Principal Officer

GEORGE JANAS

Phone

4075990057

Tax Period

2023-10-01 to 2024-09-30

CONSUMER DEBT COUNSELORS INC, founded in 1998, is a community nonprofit in the Human Services sector that reported $1.5M in total revenue in fiscal year 2023.

Mission

FINANCIAL CRISIS COUNSELING AND FINANCIAL LITERACY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $277,198

Program Service Revenue $1,230,518

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,507,716

Expense Breakdown

Grants Paid $0

Salaries & Benefits $862,354

Fundraising Expenses $0

Program Expenses $1,414,384

Other Expenses $641,216

TOTAL EXPENSES $1,503,570

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,507,716	$1,468,794	+0.0%
Expenses	$1,503,570	$1,473,129	+0.0%
Net Income	$4,146	$-4,335	-2.0%

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

$13,368

Total Directors

$13,368

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GEORGE JANAS CLU CHFC FICF	PRESIDENT	40.00	Officer Director	$0	$13,368	$13,368
JAY GEWOLB MD	SECRETARY/TRUSTEE	0.50	Officer Director	$0	$0	$0
JAMES H SULLIVAN CPA MAS CSA AFC	TREASURER/TRUSTEE	0.50	Officer Director	$0	$0	$0
LAYNE HALL	TRUSTEE	0.50	Director	$0	$0	$0
JOE BOURKE	TRUSTEE	0.50	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
2024	$1,507,716	$1,503,570	$530,288	$4,146
2023	$1,468,794	$1,473,129	$1,786,005	$-4,335
2022	$1,408,358	$1,429,193	$1,784,736	$-20,835
2021	$1,793,369	$1,423,208	$1,532,219	$370,161
2020	$1,526,327	$1,389,732	$1,380,049	$136,595
2019	$1,388,888	$1,358,527	$1,309,258	$30,361
2018	$1,432,416	$1,361,010	$1,302,093	$71,406

CONSUMER DEBT COUNSELORS INC