Consumer Credit Counseling Service of Greater San Antonio

Nonprofit profile at a glance

EIN
741882935
IRS 990 coverage
2010–2013
Forms available
Form 990 2013
Location
San Antonio, TX, USA
Phone
2109794300
Rating
76
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Financial Counseling

Reported finances

Revenue
$1,076,042
Expenses
$1,066,713
Assets
$1,882,954
Liabilities
$68,021

Source: IRS Form 990. Selected filing: tax year 2013. Amounts in USD.

Leadership & pay

13 people listed

Executive titles in this filing

  • GLORIA DELGADO (PRESIDENT & CEO)

Highest reported compensation

  • GLORIA DELGADO (PRESIDENT & CEO): $88,975 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2013. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Debt education and counseling

What it reported doing in 2013

Provided personal financial counseling and education to over 4,625 people in the south Texas area providing assistance with budgeting and debt management by telephone, internet, and face to face. Certified credit counselors helped the consumer assess their financial situation, develop a plan and set financial goals. Also provided counseling in the following areas: bankruptcy, housing including foreclosure and reverse mortgage; student loan; identity theft resolution; credit score analysis and credit report review. Educational activities are accredited by the council on accreditation as an acknowledgement of the agency's commitment to quality service. All counselors are certified through the national foundation for credit counseling's certification program.

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. Revenue has declined or grown slowly and assets have declined or grown slowly.

Rating breakdown

  • Financial Efficiency: 70
  • Transparency & Controls: 92
  • Accountability: 90
  • Sustainability: 51
  • Growth: 0

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 80.1%; rating input score 80
  • Program expense ratio: 77.7%; rating input score 78
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • 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: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 0.9%; rating input score 42; 42nd percentile among comparable filings
  • Total-asset coverage ratio: 1.77; rating input score 63; 63rd percentile among comparable filings
  • Liabilities to assets ratio: 0.04; rating input score 68; 68th percentile among comparable filings
  • Officer compensation ratio: 8.3%; rating input score 42; 42nd percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: -14.8% per year; rating input score 0; 7th percentile among comparable filings
  • Asset growth: -2% per year; rating input score 0; 28th percentile among comparable filings

Details

  • Where the money goes: 80.1% of revenue deployed · 77.7% of spending went to programs
  • Governance: 12 of 12 board members independent · 6 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $829K in reported program spending
  • Leadership: top reported pay $89K · 13 people listed
  • Consistency: 26 of 26 current checks pass
  • Schedules: 4 filed schedules · includes major donors
  • Filing history: 4 filing years from 2010 to 2013
  • Contacts: How to reach this organization
  • 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.

  • High — Growth: Revenue growth scored 0/100.
  • High — Growth: Asset growth scored 0/100.
  • Moderate — Sustainability: Operating margin scored 42/100.
  • Review — Accountability: Governance controls: Independent financial-statement audit not reported.
  • Moderate — Sustainability: Officer compensation ratio scored 42/100.