TEXAS CONSUMER CREDIT COALITION (EIN 823427968) - 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

2017

Legal Domicile

Principal Officer

AUSTIN CLANCY

Phone

5124150502

Tax Period

2025-01-01 to 2025-12-31

TEXAS CONSUMER CREDIT COALITION, founded in 2017, is a small nonprofit in the Community Improvement sector that reported $231K in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion.

Mission

PROVIDE CONSUMER EDUCATION AND OUTREACH, STATE REGULATORY ADVOCACY AND STATE LEGISLATIVE ADVOCACY.

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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 $231,000

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $231,000

Expense Breakdown

Grants Paid $10,000

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $235,567

TOTAL EXPENSES $245,567

Year-over-Year Comparison

	2025	2024	Change
Revenue	$231,000	$202,300	+0.1%
Expenses	$245,567	$156,943	+0.6%
Net Income	$-14,567	$45,357	-1.3%

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

N/A

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
AUSTIN CLANCY	Director	5.00	Director	$0	$0	$0
DAVID KORN	Director	5.00	Director	$0	$0	$0
ELIZABETH HAMMOND	Director	5.00	Director	$0	$0	$0
CHRIS MCKINLEY	Director	5.00	Director	$0	$0	$0
KYLE FENTON	Director	5.00	Director	$0	$0	$0
DAVID MORGAN	Director	5.00	Director	$0	$0	$0
EZRA GARRETT	Director	5.00	Director	$0	$0	$0
DAVID PETTY	Director	5.00	Director	$0	$0	$0
AMANDA JABLONSKI	Executive Dir.	5.00	Director	$0	$0	$0
AUSTIN CLANCY	President	0.00	Officer	$0	$0	$0
DAVID KORN	Vice President	0.00	Officer	$0	$0	$0
ELIZABETH HAMMOND	Secretary/Treas	0.00	Officer	$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	$231,000	$245,567	$84,028	$-14,567
2024	$202,300	$156,943	$98,595	$45,357

TEXAS CONSUMER CREDIT COALITION