CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC (EIN 930585893) - 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

1971

Legal Domicile

Phone

5417792273

Tax Period

2024-01-01 to 2024-12-31

CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC, founded in 1971, is a small nonprofit in the Human Services sector that reported $793K in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion.

Mission

TO RECOGNIZE AND ADDRESS THE FINANCIAL CHALLENGES OF OUR CLIENTS AND OUR COMMUNITY. THROUGH PROFESSIONAL COUNSELING AND EDUCATION, WE ENDEAVOR TO PROMOTE FINANCIAL STABILITY.

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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 $296,554

Program Service Revenue $489,901

Investment Income $3,298

Other Revenue $2,906

TOTAL REVENUE $792,659

Expense Breakdown

Grants Paid $0

Salaries & Benefits $422,460

Fundraising Expenses $59,029

Program Expenses $708,621

Other Expenses $397,895

TOTAL EXPENSES $820,355

Year-over-Year Comparison

	2024	2023	Change
Revenue	$792,659	$733,076	+0.1%
Expenses	$820,355	$702,390	+0.2%
Net Income	$-27,696	$30,686	-1.9%

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

$116,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL IHLE	CEO	40.00	Officer	$116,500	$0	$116,500
JOHN BLACKHURST	President	1.00	Officer Director	$0	$0	$0
JIM HAYEK	Director	1.00	Director	$0	$0	$0
ROCIO SOLIS	Director	1.00	Director	$0	$0	$0
JEFF DUNN	Director	1.00	Director	$0	$0	$0
JOSE BUGARIN	Vice President	1.00	Officer Director	$0	$0	$0
RENE L ORDONEZ	Director	1.00	Director	$0	$0	$0
ERIC MITTON	Director	1.00	Director	$0	$0	$0
KRISTI SCHOENBACHLER CPA	Director	1.00	Director	$0	$0	$0
WENDI HOUGHTON	Director	1.00	Director	$0	$0	$0
TERRILL ROPER	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
2024	$792,659	$820,355	$1,543,174	$-27,696
2023	$733,076	$702,390	$1,480,711	$30,686
2022	$724,933	$660,320	$1,270,086	$64,613
2021	$725,547	$601,225	$1,219,504	$124,322
2020	$693,898	$666,339	$492,916	$27,559
2019	$560,220	$503,469	$387,146	$56,751
2018	$376,424	$356,635	$367,935	$19,789

CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC