American Consumer Credit Counseling Inc

Nonprofit profile at a glance

EIN
043166982
IRS 990 coverage
2020–2025
Forms available
Form 990 2025
Location
Auburndale, MA, USA
Phone
6175595700
Rating
77
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Financial Counseling

Official website

Reported finances

Revenue
$23,610,031
Expenses
$18,720,163
Assets
$26,311,974
Liabilities
$2,537,763

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

18 people listed

Executive titles in this filing

  • ALLEN AMADIN (PRESIDENT &)

Highest reported compensation

  • ALLEN AMADIN (PRESIDENT &): $427,832 total reported compensation
  • TRACEY R MACOMBER (VP GOVERNANC): $246,571 total reported compensation
  • KATHERINE H ROSS (EXECUTIVE VP): $226,970 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

See attachment page 1 & 2

Operating model

Revenue model
Other-operating. 86% of the money available for current operations came from other operating revenue.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

SUPPORTED - The filed numbers largely add up and a large share of available resources goes toward mission work. Some filing-based governance responses are negative or unanswered and total assets are small relative to annual expenses; liquid coverage is unknown.

Rating breakdown

  • Financial Efficiency: 63
  • Transparency & Controls: 89
  • Accountability: 84
  • Sustainability: 59
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 65%; rating input score 65
  • Program expense ratio: 80.4%; rating input score 80
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 5 of 6 controls in place; rating input score 83
    • Compensation committee: Pass
    • Independent consultant: Pass
    • Other Form 990s reviewed: Pass
    • Written employment contract: Missing
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 88.9%; rating input score 89; 17th percentile among comparable filings
  • Governance controls: 7 of 9 controls in place; rating input score 78
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Fail
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 20.7%; rating input score 77; 77th percentile among comparable filings
  • Total-asset coverage ratio: 1.41; rating input score 40; 40th percentile among comparable filings
  • Liabilities to assets ratio: 0.1; rating input score 67; 67th percentile among comparable filings
  • Officer compensation ratio: 9.9%; rating input score 25; 25th percentile among comparable filings

Growth

  • Program expense growth: 13.9% per year; rating input score 100; 79th percentile among comparable filings
  • Revenue growth: 13.5% per year; rating input score 100; 84th percentile among comparable filings
  • Asset growth: 8.3% per year; rating input score 100; 58th percentile among comparable filings

Details

  • Where the money goes: 65% of revenue deployed · 80.4% of spending went to programs
  • Governance: 8 of 9 board members independent · 7 of 9 filing controls reported
  • Programs: 2 filed program accomplishments · $15.1M in reported program spending
  • Leadership: top reported pay $428K · 18 people listed · 5 of 6 pay-setting controls reported
  • Highest-paid contractors: 1 contractor listed · $296K reported
  • Consistency: 30 of 30 current checks pass
  • Schedules: 6 filed schedules · includes major donors and executive pay
  • Filing history: 6 filing years from 2020 to 2025
  • Contacts: How to reach this organization
  • Money network: 18 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Accountability: Governance controls: 2 of 9 not reported.
  • Moderate — Sustainability: Total-asset coverage ratio scored 40/100.
  • High — Sustainability: Officer compensation ratio scored 25/100.