Consumer Credit Nationwide
Nonprofit profile at a glance
- EIN
- 331020848
- IRS 990-EZ coverage
- 2022–2024
- Forms available
- Form 990 2021, Form 990-EZ 2024
- Location
- Bettendorf, IA, USA
- Phone
- 5633598830
- Rating
- 65
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Sector
- Financial Counseling
Reported finances
- Revenue
- $56,392
- Expenses
- $54,093
- Assets
- $15,437
- Liabilities
- $890
Source: IRS Form 990-EZ. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
6 people listed
Executive titles in this filing
- R BRIAN DELANEY (CEO)
- MARGARET O DELANEY (PRESIDENT)
People named in this filing
- R BRIAN DELANEY (CEO)
- MARGARET O DELANEY (PRESIDENT)
- BRETT BENSON (DIRECTOR)
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 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To provide counseling and education to individuals and families struggling with consumer debt so that they may obtain financial security.
What it reported doing in 2024
The organization provides education and counseling to consumers seeking budget and financial advice. During 2024, the organization provided free budget and credit counseling services to 110 individuals and families who had an average unsecured debt balance of 23,025.
Operating model
- Revenue model
- Earned-program. 100% of the money available for current operations came from fees and other program revenue.
- 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 - The filed numbers largely add up and a large share of available resources goes toward mission work. Program spending has declined or grown slowly and revenue has declined or grown slowly.
Rating breakdown
- Financial Efficiency: 61
- Transparency & Controls: 82
- Sustainability: 34
- Growth: 0
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 60.4%; rating input score 60
- Program expense ratio: 62.9%; rating input score 63
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: 4.1%; rating input score 53; 53rd percentile among comparable filings
- Total-asset coverage ratio: 0.29; rating input score 20; 20th percentile among comparable filings
- Liabilities to assets ratio: 0.06; rating input score 20; 20th percentile among comparable filings
- Officer compensation ratio: 3.6%; rating input score 11; 11th percentile among comparable filings
Growth
- Program expense growth: -16.1% per year; rating input score 0; 21st percentile among comparable filings
- Revenue growth: -16.3% per year; rating input score 0; 17th percentile among comparable filings
- Asset growth: -23.4% per year; rating input score 0; 9th percentile among comparable filings
Details
- Where the money goes: 60.4% of revenue deployed · 62.9% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 3 filed program accomplishments · $34K in reported program spending
- Leadership: top reported pay $0 · 6 people listed
- Consistency: 7 of 7 current checks pass
- Schedules: 2 filed schedules
- Filing history: 3 filing years from 2022 to 2024
- Contacts: How to reach this organization
- Money network: 2 filed money-flow records
- 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: Program expense growth scored 0/100.
- High — Growth: Revenue growth scored 0/100.
- High — Sustainability: Total-asset coverage ratio scored 20/100.
- Review — Sustainability: Operating margin scored 53/100.
- High — Growth: Asset growth scored 0/100.
- High — Sustainability: Officer compensation ratio scored 11/100.
- High — Sustainability: Liabilities to assets ratio scored 20/100.