Consumer Credit Counseling Service Of

Nonprofit profile at a glance

EIN
910847042
IRS 990 coverage
2010–2011
Forms available
Form 990 2011
Location
Columbus, OH, USA
Phone
5097371973
Rating confidence
Limited
Sector
Financial Counseling

Reported finances

Revenue
$249,394
Expenses
$283,024
Assets
$0
Liabilities
$0

Source: IRS Form 990. Selected filing: tax year 2011. Amounts in USD.

Leadership & pay

16 people listed

Source: IRS Form 990. Selected filing: tax year 2011. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

CONSUMER CREDIT COUNSELING SERVICES Educating the community and supporting individuals in becoming self-sufficient in their financial needs

What it reported doing in 2011

Serving southeast washington and north east oregon families with one on one budget counseling and reaching many individuals with educational presentations, providing financial counseling and other programs dedicated to changing a way of life including: One on One Budget Counseling with Certified Credit Counselors who tap into over 40 years experience to work with individuals and families to establish and live within a spending plan especially designed for their circumstances.Debt Management Program MANAGING CLIENT FUNDS and working with creditors to set up an alternative payment plan based on an individualized debt management plan. Credit Reports and Reviews offer credit reviews that include a full analysis of individual credit reports designed to provide a full understanding of what is contained and reported on an individuals credit file and history. Credit Counselors support and guide the process of correcting errors and the most effective way of boosting credit scores.CCCS has educational programs for all ages from elementary school to senior citizens. provided presentations for many local schools and offer one to twelve hour programs to suit the needs of individuals and other organizations.home buyer education, pre-qualifying and counseling program targeting low to moderate income, first-time home buyers, limited equity borrowers and other members of our community wishing to gain more knowledge in the housing market. certified counselors also provide education and counseling in reverse mortgage loans.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 100
  • Accountability: 90
  • Sustainability: 13
  • Growth: 0

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 60th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 6 of 8 controls in place; rating input score 75
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Fail
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: -13.5%; rating input score 20; 20th percentile among comparable filings
  • Total-asset coverage ratio: 0; rating input score 0; 0th percentile among comparable filings
  • Liabilities to assets ratio: Limited
  • Officer compensation ratio: 12.7%; rating input score 33; 33rd percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: -72.2% per year; rating input score 0; 3rd percentile among comparable filings
  • Asset growth: -200% per year; rating input score 0; 0th percentile among comparable filings

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 15 of 15 board members independent · 6 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $224K in reported program spending
  • Leadership: top reported pay $36K · 16 people listed
  • Consistency: 23 of 23 current checks pass
  • Schedules: 4 filed schedules
  • Filing history: 2 filing years from 2010 to 2011
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.

Key Signals

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

  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Operating margin scored 20/100.
  • Review — Accountability: Governance controls: 2 of 8 not reported.
  • High — Growth: Asset growth scored 0/100.
  • High — Sustainability: Total-asset coverage ratio scored 0/100.
  • Moderate — Sustainability: Officer compensation ratio scored 33/100.