RANCHO SANTA MARGARITA, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)AMERICAN PACIFIC FINANCIAL SERVICES CORP, founded in 2020, is a small nonprofit in the Human Services sector that reported $497K in total revenue in fiscal year 2025. Revenue decreased 17% compared to the prior year.
STATEMENT NBSP;2
CREDIT COUNSELING EDUCATION THE ORGANIZATION PROVIDES COMPREHENSIVE CREDIT COUNSELING AND FINANCIAL EDUCATION SERVICES TO LOW- AND MODERATE-INCOME INDIVIDUALS AND FAMILIES ACROSS CALIFORNIA. SERVICES...
CREDIT COUNSELING EDUCATION THE ORGANIZATION PROVIDES COMPREHENSIVE CREDIT COUNSELING AND FINANCIAL EDUCATION SERVICES TO LOW- AND MODERATE-INCOME INDIVIDUALS AND FAMILIES ACROSS CALIFORNIA. SERVICES INCLUDE ONE-ON-ONE FINANCIAL COUNSELING BUDGETING ASSISTANCE CREDIT REPORT ANALYSIS AND DEVELOPMENT OF PERSONALIZED FINANCIAL ACTION PLANS. IN 2025 PARTICIPANTS ENGAGED IN STRUCTURED COUNSELING SESSIONS AND DEMONSTRATED MEASURABLE PROGRESS TOWARD IMPROVED CREDIT PROFILES REDUCED UNSECURED DEBT AND INCREASED FINANCIAL STABILITY. GRANT FUNDING SUPPORTS THE DELIVERY OF SERVICES AT LOW OR NO COST ENSURING ACCESS FOR UNDERSERVED COMMUNITIES AND INDIVIDUALS FACING FINANCIAL HARDSHIP AND EXPANDING PARTICIPATION IN FINANCIAL EMPOWERMENT PROGRAMS.
DEBT MANAGEMENT PROGRAM THE ORGANIZATION OPERATES A DEBT MANAGEMENT PROGRAM (DMP) THAT ENABLES CLIENTS TO REPAY UNSECURED DEBT THROUGH STRUCTURED AND AFFORDABLE REPAYMENT PLANS. THE PROGRAM WORKS...
DEBT MANAGEMENT PROGRAM THE ORGANIZATION OPERATES A DEBT MANAGEMENT PROGRAM (DMP) THAT ENABLES CLIENTS TO REPAY UNSECURED DEBT THROUGH STRUCTURED AND AFFORDABLE REPAYMENT PLANS. THE PROGRAM WORKS WITH CREDITORS TO REDUCE INTEREST RATES AND FEES WHILE CONSOLIDATING MULTIPLE DEBTS INTO A SINGLE MONTHLY PAYMENT. IN 2025 PARTICIPANTS MADE CONSISTENT PROGRESS TOWARD DEBT REDUCTION AND IMPROVED FINANCIAL STABILITY THROUGH SUSTAINED REPAYMENT PERFORMANCE. THIS PROGRAM GENERATES PROGRAM SERVICE REVENUE THAT SUPPORTS LONG-TERM ORGANIZATIONAL SUSTAINABILITY WHILE DELIVERING MEASURABLE CONSUMER FINANCIAL PROTECTION OUTCOMES INCLUDING REDUCED DEBT BURDENS AND IMPROVED FINANCIAL BEHAVIORS.
BANKRUPTCY COUNSELING DEBTOR EDUCATION THE ORGANIZATION PROVIDES PRE-BANKRUPTCY COUNSELING AND POST-FILING DEBTOR EDUCATION SERVICES AS REQUIRED UNDER FEDERAL LAW. THESE SERVICES ENSURE THAT...
BANKRUPTCY COUNSELING DEBTOR EDUCATION THE ORGANIZATION PROVIDES PRE-BANKRUPTCY COUNSELING AND POST-FILING DEBTOR EDUCATION SERVICES AS REQUIRED UNDER FEDERAL LAW. THESE SERVICES ENSURE THAT INDIVIDUALS CONSIDERING OR UNDERGOING BANKRUPTCY RECEIVE FINANCIAL EDUCATION ON BUDGETING RESPONSIBLE CREDIT USE AND LONG-TERM FINANCIAL PLANNING. IN 2025 PARTICIPANTS COMPLETED REQUIRED COUNSELING SESSIONS AND DEVELOPED FINANCIAL MANAGEMENT STRATEGIES TO SUPPORT IMPROVED FINANCIAL DECISION-MAKING AND LONG-TERM FINANCIAL RECOVERY FOLLOWING BANKRUPTCY.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $496,817 | $595,427 | -0.2% |
| Expenses | $502,933 | $612,544 | -0.2% |
| Net Income | $-6,116 | $-17,117 | -0.6% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| STEPHANIE ASSALI | PRESIDENT, COO/CMO, DIRECTOR | 010.00 |
Officer
Key Emp
|
$46,700 | $0 | $46,700 |
| GEORGE ANDERSON | VICE PRESIDENT, DIRECTOR | 005.00 |
Officer
Key Emp
|
$0 | $0 | $0 |
| CINDY TANEZAKI | CFO, DIRECTOR | 005.00 |
Officer
Key Emp
|
$0 | $0 | $0 |
| CHRISTINA SHEA | CHIEF STRATEGY POLITICAL LIAISON | 002.00 |
Director
|
$0 | $0 | $0 |
| GINO CLEMENTE | DIRECTOR | 001.00 |
Director
|
$0 | $0 | $0 |
| MARY CASSEDY | VP, HOUSING | 001.00 |
Director
|
$0 | $0 | $0 |
| MICHAEL SHEA | CTO/CIO, DIRECTOR | 005.00 |
Officer
Key Emp
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $496,817 | $502,933 | $116,801 | $-6,116 |
| 2024 | $595,427 | $612,544 | $112,225 | $-17,117 |
| 2023 | $951,822 | $899,077 | $147,592 | $52,745 |
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