Consumer Credit Counseling Service of Central Oklahoma Inc (EIN 730766646) - 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

1967

Legal Domicile

Principal Officer

JOHN L COOPER

Phone

2485535400

Tax Period

2018-01-01 to 2018-03-31

Consumer Credit Counseling Service of Central Oklahoma Inc, founded in 1967, is a small nonprofit that reported $135K in total revenue in fiscal year 2018. Revenue fell 83% from the prior year — a significant decline worth monitoring. Expenses of $309K exceeded revenue, resulting in a 129% operating deficit.

Mission

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 (2018)

Revenue Breakdown

Contributions & Grants $21,121

Program Service Revenue $113,719

Investment Income $29

Other Revenue $0

TOTAL REVENUE $134,869

Expense Breakdown

Grants Paid $0

Salaries & Benefits $241,151

Fundraising Expenses $7,722

Program Expenses $234,227

Other Expenses $67,468

TOTAL EXPENSES $308,619

Year-over-Year Comparison

	2018	2017	Change
Revenue	$134,869	$809,335	-0.8%
Expenses	$308,619	$739,187	-0.6%
Net Income	$-173,750	$70,148	-3.5%

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

$51,227

Total Directors

$51,227

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN L COOPER	President & CEO	40.00	Officer Director	$51,227	$0	$51,227
CHARLES de COUNE	Board Chairman	1.00	Officer Director	$0	$0	$0
MELINDA LAUFFENBURGER	Vice Chairman	1.00	Officer Director	$0	$0	$0
JENNIFER BEALE	Secretary	1.00	Officer Director	$0	$0	$0
BRYAN J HALL	Treasurer	1.00	Officer Director	$0	$0	$0
DEE BLOSE	Director	1.00	Director	$0	$0	$0
SHELDON EDMOND	Director	1.00	Director	$0	$0	$0
ERIC L JOHNSON	Director	1.00	Director	$0	$0	$0
JOHN H MARSHALL	Director	1.00	Director	$0	$0	$0
DR CANDY SEBERT	Director	1.00	Director	$0	$0	$0
JERI STROUP	Director	1.00	Director	$0	$0	$0
RANDY THURMAN	Director	1.00	Director	$0	$0	$0
LUKE WIGLEY	Director	1.00	Director	$0	$0	$0
CINDY RANDOLPH	Director	1.00	Director	$0	$0	$0
RICHARD HOLLIS	CFO	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
2018	$134,869	$308,619	No data	$-173,750
2017	$809,335	$739,187	$549,903	$70,148

Consumer Credit Counseling Service of Central Oklahoma Inc