Consumer Credit Counseling Service of Rochester Inc
Nonprofit profile at a glance
- EIN
- 160972260
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025
- Location
- Rochester, NY, USA
- Phone
- 5855463440
- Rating
- 77
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Sector
- Financial Counseling
Reported finances
- Revenue
- $5,051,413
- Expenses
- $3,952,237
- Assets
- $9,422,681
- Liabilities
- $1,454,735
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
13 people listed
Executive titles in this filing
- Jason Tracy (Chief Executive Officer)
Highest reported compensation
- Jason Tracy (Chief Executive Officer): $210,269 total reported compensation
- Christopher Camaione-Lind (Chief Administrative Officer): $136,692 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
A nonprofit organization focused on the financial wellness of families and individuals. Our certified professionals provide confidential counseling, educational services, and other credit solutions that enable our clients to take control of their financial future.
What it reported doing in 2025
Consumer Credit Counseling Service of Rochester, Inc. (CCCS) provides a wide range of comprehensive financial literacy education, programming and counseling services that focus on improving financial wellness. In 2025, we served thousands of individuals and families across all our licensed locations with 76% of our clients meeting low to moderate income guidelines. CCCS of Rochester maintains accreditation from the Council on Accreditation is a member of the National Foundation for Credit Counseling and continues to have an A+ rating with the Better Business Bureau.
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 96% 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.
- Includes noncash contributions: Reported contributions include donated property or goods.
The verdict
SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and reported officer compensation is a large share of total spending, which may reflect staffing concentration.
Rating breakdown
- Financial Efficiency: 66
- Transparency & Controls: 79
- Accountability: 95
- Sustainability: 62
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 68.5%; rating input score 68
- Program expense ratio: 84%; rating input score 84
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Pass
- Written employment contract: Missing
- Compensation survey or study: Missing
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 100%; rating input score 100; 75th percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 8 of 9 controls in place; rating input score 89
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 21.8%; rating input score 74; 74th percentile among comparable filings
- Total-asset coverage ratio: 2.38; rating input score 63; 63rd percentile among comparable filings
- Liabilities to assets ratio: 0.15; rating input score 40; 40th percentile among comparable filings
- Officer compensation ratio: 8.8%; rating input score 37; 37th percentile among comparable filings
Growth
- Program expense growth: 4.7% per year; rating input score 100; 34th percentile among comparable filings
- Revenue growth: 3.9% per year; rating input score 100; 28th percentile among comparable filings
- Asset growth: 2.8% per year; rating input score 100; 21st percentile among comparable filings
Details
- Where the money goes: 68.5% of revenue deployed · 84% of spending went to programs
- Governance: 11 of 11 board members independent · 8 of 9 filing controls reported
- Programs: 1 filed program accomplishment · $3.3M in reported program spending
- Leadership: top reported pay $210K · 13 people listed · 2 of 6 pay-setting controls reported
- Consistency: 38 of 38 current checks pass
- Schedules: 9 filed schedules · includes major donors, grants, and executive pay
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 2 filed money-flow records
- Related organizations: 2 filed related-organization links
- 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: Form 990 shared with the board not reported.
- Moderate — Sustainability: Officer compensation ratio scored 37/100.
- Moderate — Sustainability: Liabilities to assets ratio scored 40/100.