Credit Coalition Inc

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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

1992

Legal Domicile

Principal Officer

Rudy Reyes

Phone

7132248100

Tax Period

2024-12-01 to 2025-11-30

Credit Coalition Inc, founded in 1992, is a small nonprofit in the Human Services sector that reported $245K in total revenue in fiscal year 2024. The organization ran a surplus of $87K, a strong 36% operating margin.

Mission

The credit coalition's purpose is to empower its clients through financial and homebuyer counseling and education, to be able to make informed, reasonable and responsible decisions in regard to their financial and specific housing goals.

Program Service Accomplishments

Program 1

Expenses: $138,969

fundamentals of good credit program: provides training in understanding and developing credit. This program is recognized as an approved homebuyer counseling/education course for many houston area...

fundamentals of good credit program: provides training in understanding and developing credit. This program is recognized as an approved homebuyer counseling/education course for many houston area down payment assistance providers and meets the financial education requirement for houston area individual development account (ida) saving programs. completion of this program results in the client earning the credit coalition's financial and homebuyer education certificate. upon graduation from the series, each client will have an understanding of his/her own financial wellness and overall credit health. Clients are empowered to change their lives with financial knowledge to reach their specific financial and housing goals.The credit coalition is a hud-approved housing counseling agency and a member of the reverse mortgage education counseling fha roaster. the houston area ida program and many down payment assistance programs throughout the greater houston area accept the completion of the "fundamentals of good credit" as meeting the financial/homebuyer education requirement for their programs.in the fiscal year ended 11/30/2025, 678 clients were served between the different programs including, but not limited to, community financial and homebuyer education, reverse mortgage counseling, and foreclosure intervention 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 (2024)

Revenue Breakdown

Contributions & Grants $239,864

Program Service Revenue $0

Investment Income $4,899

Other Revenue $0

TOTAL REVENUE $244,763

Expense Breakdown

Grants Paid $0

Salaries & Benefits $129,871

Fundraising Expenses $0

Program Expenses $138,969

Other Expenses $27,700

TOTAL EXPENSES $157,571

Year-over-Year Comparison

	2024	2023	Change
Revenue	$244,763	$229,874	+0.1%
Expenses	$157,571	$157,192	+0.0%
Net Income	$87,192	$72,682	+0.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sherrie Young	Executive Director	40.00		$108,219	$0	$108,219
Rudy Reyes	President	1.00	Officer Director	$0	$0	$0
Gloria Sanderson	Vice President	1.00	Officer Director	$0	$0	$0
Michael Bailey	Secretary	1.00	Officer Director	$0	$0	$0
James Buccieri	Treasurer	1.00	Officer Director	$0	$0	$0
Walter Beard	Director	1.00	Director	$0	$0	$0
Misha Burkett	Director	1.00	Director	$0	$0	$0
Felecia Ellis	Director	1.00	Director	$0	$0	$0
Trisha Figaro	Director	1.00	Director	$0	$0	$0
Sherra House	Director	1.00	Director	$0	$0	$0
Karla Hollins	Director	1.00	Director	$0	$0	$0
Dorothy Jennings	Director	1.00	Director	$0	$0	$0
Verenice Ledbetter	Director	1.00	Director	$0	$0	$0
Mark Magee	Director	1.00	Director	$0	$0	$0
Marlon Mitchell	Director	1.00	Director	$0	$0	$0
James Powell	Director	1.00	Director	$0	$0	$0
Marcus Vasquez	Director	1.00	Director	$0	$0	$0
Sandra Yager	Director	1.00	Director	$0	$0	$0
Jonah Pedroso	Director	1.00	Director	$0	$0	$0
Harold Jasper III	Director	1.00	Director	$0	$0	$0
Joette Martin	Director	1.00	Director	$0	$0	$0
Marvett Sawer Howard	Director	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
2025	$244,763	$157,571	$394,472	$87,192
2024	$229,874	$157,192	$307,280	$72,682