CONSUMER CREDIT COUNSELING SERVICES OF PUERTO RICO INC (EIN 660471799) - 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

1990

Legal Domicile

Phone

7877228835

Tax Period

2023-01-01 to 2023-12-31

CONSUMER CREDIT COUNSELING SERVICES OF PUERTO RICO INC, founded in 1990, is a small nonprofit that reported $748K in total revenue in fiscal year 2023. Expenses of $947K exceeded revenue, resulting in a 27% operating deficit.

Mission

COMMUNITY-BASED MISSION-DRIVEN ORGANIZATION ENGAGED IN PROVIDING FINANCIAL COUNSELING.

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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 $569,144

Program Service Revenue $154,902

Investment Income $15,635

Other Revenue $8,393

TOTAL REVENUE $748,074

Expense Breakdown

Grants Paid $0

Salaries & Benefits $540,052

Fundraising Expenses $97,113

Program Expenses $612,094

Other Expenses $407,118

TOTAL EXPENSES $947,170

Year-over-Year Comparison

	2023	2022	Change
Revenue	$748,074	$751,580	0.0%
Expenses	$947,170	$969,027	0.0%
Net Income	$-199,096	$-217,447	-0.1%

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

$452,028

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARLOS PADIN BIBILONI	VOCAL	1.00	Director	$0	$0	$0
PEDRO GONZALEZ	VOCAL	1.00	Director	$0	$0	$0
ARTURO CARRION	TREASURER	1.00	Officer Director	$0	$0	$0
EUGENIO M ALONSO	EMPLOYEE	40.00	Officer	$132,500	$6,625	$139,125
RAFAEL LLOMPART TODD	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
JORGE RIVERA NIEVES	VOCAL	1.00	Director	$0	$0	$0
RICHARD T HOLLIS	CHIEF FINANCIAL OFFICER	3.00	Officer	$0	$28,779	$312,903
DAVID FLORES	DIRECTOR OF CLIENT SERVICES AND PROGRAM PERFORMANCE	4.00	Highest	$0	$25,933	$255,892
MICHAEL SHINKONIS	DIRECTOR OF FINANCE AND ACCOUNTING	2.00	Highest	$0	$23,368	$201,820

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	No data	No data	No data	No data
2023	$748,074	$947,170	$509,536	$-199,096
2022	$751,580	$969,027	$689,028	$-217,447
2021	$1,023,666	$1,044,897	$1,006,489	$-21,231
2020	$941,287	$1,151,427	$1,036,318	$-210,140

CONSUMER CREDIT COUNSELING SERVICES OF PUERTO RICO INC