American Consumer Credit Education Support Services Inc
Nonprofit profile at a glance
- EIN
- 470826426
- IRS 990-EZ coverage
- 2021–2025
- Forms available
- Form 990-EZ 2025
- Location
- Fremont, NE, USA
- Phone
- 4027212107
- Rating
- 91
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Research Institutes and/or Public Policy Analysis
Reported finances
- Revenue
- $50,369
- Expenses
- $59,175
- Assets
- $45,459
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
3 people listed
People named in this filing
- ROXANNE KRACL (Director)
- DEBORAH WRIGHT (Secretary)
- J MALMBERG (Executive Dir.)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
American consumer credit education support services, inc. (access) is a nonprofit organization dedicated to providing educational resources on credit and personal finance to the general public, including both consumers and credit grantors. Access fulfills its mission by researching and analyzing current trends, events and issues within the credit industry and assessing their impact on individuals and the broader economy. This information is made accessible to the public through our website and related educational platforms to promote informed financial decision making.
What it reported doing in 2025
In 2025, access continued to advance its mission of promoting credit and financial literacy by delivering timely and relevant information to consumers. Key activities and accomplishments include: published 3 press releases on writing contest, published 89 articles on the website, distributed 12 monthly newsletters to a subscriber base of 824 recipients, and maintained a total of 1,091 registered users on our platform.ongoing development on our website www.masteringmoneybasics.org remained a key initiative, focusing on educating children on money management, personal finance and credit. The site also promotes our annual writing contest. A key initiative of this platform is our annual writing contest, which in 2025 was offered to Nebraska elementary students (grades k-5). Plans are underway to expand this contest to middle and high school students in future years. Long-term objectives include the development and distribution of educational books designed to teach children financial literacy in an engaging and age-appropriate manner. In addition, plans for 2026 include expanding fundraising efforts and hosting community-based educational events centered on the organization's writing contests to encourage community involvement.
Operating model
- Revenue model
- Cannot be determined from the filing. The filing does not provide enough consistent revenue detail to tell how this nonprofit funds its work.
- 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
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and program spending has declined or grown slowly.
Rating breakdown
- Financial Efficiency: 100
- Transparency & Controls: 100
- Sustainability: 29
- Growth: 0
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 100%; rating input score 100
- Program expense ratio: 100%; rating input score 100
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
Sustainability
- Operating margin: -17.5%; rating input score 23; 23rd percentile among comparable filings
- Total-asset coverage ratio: 0.77; rating input score 41; 41st percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: 0%; rating input score 56; 56th percentile among comparable filings
Growth
- Program expense growth: -7.1% per year; rating input score 0; 32nd percentile among comparable filings
- Revenue growth: -20.3% per year; rating input score 0; 15th percentile among comparable filings
- Asset growth: -15.4% per year; rating input score 0; 13th percentile among comparable filings
Details
- Where the money goes: 100% of revenue deployed · 100% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 1 filed program accomplishment · $59K in reported program spending
- Leadership: top reported pay $0 · 3 people listed
- Consistency: 6 of 6 current checks pass
- Schedules: 3 filed schedules
- Filing history: 5 filing years from 2021 to 2025
- Contacts: How to reach this organization
- 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.
- High — Sustainability: Operating margin scored 23/100.
- High — Growth: Program expense growth scored 0/100.
- High — Growth: Revenue growth scored 0/100.
- High — Growth: Asset growth scored 0/100.
- Moderate — Sustainability: Total-asset coverage ratio scored 41/100.
- Review — Sustainability: Officer compensation ratio scored 56/100.