CONSUMER CREDIT COUNSELING SERVICE… - Form 990 Financial Data

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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

1972

Legal Domicile

Phone

7023640344

Tax Period

2018-01-01 to 2018-02-28

CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN NEVADA, founded in 1972, is a small nonprofit that reported $291K in total revenue in fiscal year 2018. Revenue fell 93% from the prior year — a significant decline worth monitoring. Expenses of $967K exceeded revenue, resulting in a 232% operating deficit.

Mission

THE MISSION OF THE AGENCY IS TO PROMOTE ECONOMIC SECURITY THROUGH FINANCIALY RESPONSIBLE BEHAVIOR TO ALL CONSUMERS. REGARDLESS OF THE ABILITY TO PAY.

Program Service Accomplishments

Program 1

Expenses: $258,586 Revenue: $125,463

HOUSING PROGRAM: AS A HUD APPROVED COMPREHENSIVE HOUSING COUNSELING AGENCY, THE FOLLOWING SERVICES ARE PROVIDED: REVERSE MORTGAGE COUNSELING; LOSS MITIGATION AND DEFAULT/DELIQUENCY COUNSELING; PRE...

HOUSING PROGRAM: AS A HUD APPROVED COMPREHENSIVE HOUSING COUNSELING AGENCY, THE FOLLOWING SERVICES ARE PROVIDED: REVERSE MORTGAGE COUNSELING; LOSS MITIGATION AND DEFAULT/DELIQUENCY COUNSELING; PRE AND POST PURCHASE EDUCATION; DOWN PAYMENT ASSISTANCE PROGRAMS INCLUDING IDA/WISH/JURISDICTIONAL SPECIFIC PROGRAMS

Program 2

Expenses: $38,836 Revenue: $145

FINANCIAL LITERACY PROGRAM: FINANCIAL LITERACY IS THE CORNERSTONE OF THE AGENCY AND GROUP FINANCIAL LITERACY CLASSES ARE PRESENTED BOTH AT THE AGENCY SITES AND AT THE SITES OF COMMUNITY PARTNERS...

FINANCIAL LITERACY PROGRAM: FINANCIAL LITERACY IS THE CORNERSTONE OF THE AGENCY AND GROUP FINANCIAL LITERACY CLASSES ARE PRESENTED BOTH AT THE AGENCY SITES AND AT THE SITES OF COMMUNITY PARTNERS THOUGHOUT THE STATES SERVED. CLASSES AND ALL COLLATERAL MATERIALS ARE PROVIDED IN ENGLISH AND SPANISH. CLASSES INCLUDE 8 HOUR PRE PURCHASE FINANCIAL LITERACY CLASS, BUDGETING, CREDIT, CAR PURCHASE, APARTMENT LEASING, MINIMAL INCOME BUDGETING, SURVIVING LAYOFFS, AND A VARIETY OF OTHER TOPICS. FINANCIAL LITERACY IS ALSO PROVIDED ONE ON ONE DURING EACH INDIVIDUAL COUNSELING SESSION PROVIDED.

Program 3

Expenses: $203,383 Revenue: $0

NEVADA 211: 2-1-1 IS A 24X7X365 CALL CENTER DESIGNED TO PROVIDE IMMEDIATE ASSISTANCE TO NEVADANS IN NEED OF SOCIAL SERVICES OR OTHER RESOURCES. A COMPREHENSIVE DATABASE IS THE CORE OF THE SERVICE...

NEVADA 211: 2-1-1 IS A 24X7X365 CALL CENTER DESIGNED TO PROVIDE IMMEDIATE ASSISTANCE TO NEVADANS IN NEED OF SOCIAL SERVICES OR OTHER RESOURCES. A COMPREHENSIVE DATABASE IS THE CORE OF THE SERVICE DELIVERY. THE NEVADA 2-1-1 PROGRAM RESPONDS TO AN AVERAGE OF MORE THAN 10,000 PHONE CALLS EACH MONTH.

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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 $241,195

Program Service Revenue $56,112

Investment Income $-6,336

Other Revenue $0

TOTAL REVENUE $290,971

Expense Breakdown

Grants Paid $69,638

Salaries & Benefits $683,069

Fundraising Expenses $0

Program Expenses $544,620

Other Expenses $213,866

TOTAL EXPENSES $966,573

Year-over-Year Comparison

	2018	2017	Change
Revenue	$290,971	$3,962,936	-0.9%
Expenses	$966,573	$3,934,195	-0.8%
Net Income	$-675,602	$28,741	-24.5%

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

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

$380,342

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
F GEORGE HAMMOND	CHAIR	3.00	Officer Director	$0	$0	$0
DAVID WINDLE	TREASURER	3.00	Officer Director	$0	$0	$0
MAREL GERMAIN	SECRETARY	2.00	Officer Director	$0	$0	$0
JUSTICE MICHAEL DOUGLAS	DIRECTOR	1.00	Director	$0	$0	$0
ALISA MANN	DIRECTOR	1.00	Director	$0	$0	$0
PAUL AIZLEY	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL GIRALDO	DIRECTOR	1.00	Director	$0	$0	$0
NELSON ARAUJO	DIRECTOR	1.00	Director	$0	$0	$0
MICHELE JOHNSON	PRESIDENT/CEO	70.00	Officer	$377,374	$2,968	$380,342

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	$290,971	$966,573	No data	$-675,602

CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN NEVADA