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

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.

Program Service Accomplishments

Program 1

Expenses: $708,621

THE AGENCY PROVIDES FREE FINANCIAL COUNSELING, IN PERSON OR BY PHONE. COUNSELING IS CONFIDENTIAL AND IS PROVIDED BY A CREDIT COUNSELOR CERTIFIED BY THE NATIONAL FOUNDATION FOR CREDIT COUNSELING. IN 2023, WE CONDUCTED 1,2023 COUNSELING APPOINTMENTS. DURING THE APPOINTMENT, A PERSONALIZED BUDGET IS DEVELOPED AND A COMPREHENSIVE LIST OF CREDITORS IS CREATED. BASED ON THE PERSONS SPECIFIC FINANCIAL SITUATION, POSSIBLE OPTIONS ARE DISCUSSED. CLIENTS COMPLETE A FINANCIAL EXIT EVALUATION AND IN 2023 95% OF THE CLIENTS COUNSELED SAID THEY WOULD RATE OUR SERVICES AS EXCELLENT.

Program 2

THE AGENCY PROVIDES DEBT MANAGEMENT PLANS FOR THOSE CLIENTS THAT QUALIFY FOR, AND ARE INTERESTED IN, REPAYING THEIR CREDITORS THROUGH OUR AGENCY. IN 2023 ABOUT 8% OF THE CLIENTS COUNSELED CHOSE THIS OPTION AS THE BEST OPTION FOR THEIR SITUATION. PAYMENTS TO CREDITORS ARE CALCULATED BY THE COUNSELOR ACCORDING TO CRITERIA ESTABLISHED BY THE CREDITORS. CLIENTS MAKE PAYMENTS TO THE AGENCY EVERY MONTH AND THOSE PAYMENTS ARE FORWARDED TO THEIR CREDITORS SETUP AND MONTHLY FEES ARE CHARGED, BUT CAN BE WAIVED IF THEY WOULD BE A BARRIER TO RECEIVING THE SERVICE.

Program 3

THE AGENCY PROVIDES COMMUNITY EDUCATION AND PRESENTATIONS ON BUDGETING, CREDIT, GOAL SETTING, HOUSING, AND MONEY MANAGEMENT. IN 2023, A TOTAL OF 27 COMMUNITY PRESENTATIONS TO 4,323 PERSONS WERE MADE AT THE INVITATION OF THE AGENCYS COMMUNITY PARTNERS (FOR EXAMPLE; HEAD START, ADDICTIONS RECOVERY CENTER) FOR THEIR CLIENTS. PRESENTATIONS ARE GENERALLY MADE AT THE PARTNERS LOCATION SO THAT CLIENTS CAN FEEL COMFORTABLE ATTENDING AND THE EDUCATION CAN FIT THE CLIENTS OVERALL GOALS. MOST OF THE FUNDING COMES FROM GRANTS FROM LOCAL AND REGIONAL FOUNDATIONS AND CORPORATIONS.

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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
2025	No data	No data	No data	No data
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