CREDITGUARD OF AMERICA INC (EIN 650273573) - 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

1991

Legal Domicile

Principal Officer

SHON LEES

Phone

5619487961

Tax Period

2025-01-01 to 2025-12-31

CREDITGUARD OF AMERICA INC, founded in 1991, is a small nonprofit that reported $266K in total revenue in fiscal year 2025. Revenue fell 95% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $82K, a strong 31% operating margin.

Mission

CREDIT COUNSELING AND DEBT MANAGEMENT ALONG WITH FREE FINANCIAL EDUCATION TO CONSUMERS

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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 $79,266

Program Service Revenue $187,398

Investment Income $-197

Other Revenue $0

TOTAL REVENUE $266,467

Expense Breakdown

Grants Paid $0

Salaries & Benefits $75,455

Fundraising Expenses $0

Program Expenses $165,285

Other Expenses $108,954

TOTAL EXPENSES $184,409

Year-over-Year Comparison

	2025	2024	Change
Revenue	$266,467	$5,087,783	-0.9%
Expenses	$184,409	$5,195,726	-1.0%
Net Income	$82,058	$-107,943	-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

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

$43,692

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROGER COSTA	OFFICERS/DIR	40.00	Officer	$16,032	$0	$16,032
JUAN VALLADARES	TREASURER	40.00	Officer	$15,660	$0	$15,660
SHON LEES	CEO	40.00	Officer	$12,000	$0	$12,000
DAN DUCHARME	DIRECTOR	N/A	Director	$0	$0	$0
TIM HILL	DIRECTOR	N/A	Director	$0	$0	$0
DOUG LINDSTROM	DIRECTOR	N/A	Director	$0	$0	$0
STEVE MYERS	DIRECTOR	N/A	Director	$0	$0	$0
WILLIAM PATERSON	DIRECTOR	N/A	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	$266,467	$184,409	No data	$82,058
2024	$5,087,783	$5,195,726	$41,680	$-107,943
2023	$5,116,524	$6,230,096	$1,746,293	$-1,113,572
2022	$5,979,099	$7,017,723	$2,325,188	$-1,038,624
2021	$7,102,054	$6,957,868	$3,308,944	$144,186
2020	$7,936,814	$7,887,751	$3,940,388	$49,063
2019	$9,450,125	$8,748,815	$3,610,011	$701,310
2018	$9,344,787	$9,108,772	$3,511,126	$236,015

CREDITGUARD OF AMERICA INC