Community Credit Counseling
Nonprofit profile at a glance
- EIN
- 341371243
- IRS 990-EZ coverage
- 2012–2012
- Forms available
- Form 990 2011, Form 990-EZ 2012
- Location
- Cape Canaveral, FL, USA
- Phone
- 4198652333
- Rating
- 66
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Sector
- Financial Counseling
Reported finances
- Revenue
- $126,540
- Expenses
- $192,973
- Assets
- $16,208
Source: IRS Form 990-EZ. Selected filing: tax year 2012. Amounts in USD.
Leadership & pay
4 people listed
Source: IRS Form 990-EZ. Selected filing: tax year 2012. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Credit and bankruptcy counseling
What it reported doing in 2012
Bankruptcy counseling and financial education certification - pre-petition credit counseling - pre-discharge financial education course
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- 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 - A large share of available resources goes toward mission work and the filed numbers largely add up. A relatively small share of total spending goes to programs and revenue has declined or grown slowly.
Rating breakdown
- Financial Efficiency: 67
- Transparency & Controls: 82
- Sustainability: 3
- Growth: 0
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 77.2%; rating input score 77
- Program expense ratio: 50.6%; rating input score 51
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: -52.5%; rating input score 1; 1st percentile among comparable filings
- Total-asset coverage ratio: 0.08; rating input score 9; 9th percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: Limited
Growth
- Program expense growth: Limited
- Revenue growth: -62.6% per year; rating input score 0; 1st percentile among comparable filings
- Asset growth: -80.1% per year; rating input score 0; 2nd percentile among comparable filings
Details
- Where the money goes: 77.2% of revenue deployed · 50.6% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 3 filed program accomplishments · $98K in reported program spending
- Leadership: top reported pay $67K · 4 people listed
- Consistency: 6 of 6 current checks pass
- Schedules: 2 filed schedules
- Money network: 1 filed money-flow record
- 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.
Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.
- Review — Financial Efficiency: Program expense ratio scored 51/100.
- High — Growth: Revenue growth scored 0/100.
- High — Sustainability: Operating margin scored 1/100.
- High — Sustainability: Total-asset coverage ratio scored 9/100.
- High — Growth: Asset growth scored 0/100.
- High — Grant Readiness: Automatic revocation: this organization had its federal tax-exempt status automatically revoked.