Money Management International

Legal name: Money Management International Inc

Nonprofit profile at a glance

EIN
541837741
IRS 990 coverage
2010–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025, Form 990-T 2025
Location
Stafford, TX, US
Phone
866-889-9347
Rating
64
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Financial Counseling

Official website

Reported finances

Revenue
$54,349,917
Expenses
$51,339,165
Assets
$48,654,660
Liabilities
$21,157,295

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

30 people listed

Executive titles in this filing

  • JAMES S TRIGGS (PRESIDENT & CEO)
  • SCOTT HANNUM (CALLCENTERED PRESIDENT & COO)

Highest reported compensation

  • JAMES S TRIGGS (PRESIDENT & CEO): $568,201 total reported compensation
  • MICHAEL STODDARD (CHIEF TECHNOLOGY OFFICER): $348,880 total reported compensation
  • LYLE LANSDELL (CHIEF FINANCIAL OFFICER/TREASURER): $334,045 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To promote financially responsible behavior and help member organizations like MMI deliver the highest-quality financial education and counseling services.

What it reported doing in 2025

Credit counseling & debt management: money management international (mmi) provides financial counseling and education to assist individuals and families with budgeting, debt management, and financial goal setting. Certified credit counselors assess each consumer's financial situation, develop spending plans, and recommend appropriate actions.consumers may enroll in debt management plans (dmps) for structured repayment of unsecured debt. Ongoing counseling and administrative support are provided throughout the program. All counselors complete required training and maintain independent certification.mmi delivers education through in-person sessions, webinars, and self-paced modules. Program outcomes indicate that a majority of consumers completing dmps fully repay their enrolled debt, with additional consumers able to resume direct creditor payments.in 2025 mmi provided 80,620 debt & budget counseling sessions. Another 69,078 households received debt management support and repaying $287mm in unsecured debt. On average, participants experience significantly reduced interest rates, meaningful savings over time, and improved credit profiles.

Operating model

Revenue model
Earned-program. 64% 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 - A large share of available resources goes toward mission work and most voting board members are independent. The filing reports few safeguards for money sent abroad and the filing does not identify recipients for some grant dollars.

Rating breakdown

  • Financial Efficiency: 65
  • Transparency & Controls: 57
  • Accountability: 95
  • Sustainability: 41
  • Growth: 0

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 69.8%; rating input score 70
  • Program expense ratio: 70.9%; rating input score 71
  • Fundraising efficiency: $9.17 raised per $1 spent on fundraising; rating input score 24; 24th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 93.3%; rating input score 93; 18th percentile among comparable filings
  • Pay-setting controls: 4 of 6 controls in place; rating input score 67
    • Compensation committee: Pass
    • Independent consultant: Pass
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Scored; rating input score 0
  • Grant itemization coverage: Scored; rating input score 0
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 90.9%; rating input score 91; 20th percentile among comparable filings
  • Governance controls: 9 of 9 controls in place; rating input score 100
    • 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: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 5.5%; rating input score 56; 56th percentile among comparable filings
  • Total-asset coverage ratio: 0.95; rating input score 27; 27th percentile among comparable filings
  • Liabilities to assets ratio: 0.43; rating input score 46; 46th percentile among comparable filings
  • Officer compensation ratio: 8.3%; rating input score 7; 7th percentile among comparable filings

Growth

  • Program expense growth: -2% per year; rating input score 0; 8th percentile among comparable filings
  • Revenue growth: -7.1% per year; rating input score 0; 1st percentile among comparable filings
  • Asset growth: -3.5% per year; rating input score 0; 3rd percentile among comparable filings

Details

  • What they do: 9 programs and campaigns described on the official site · 1 operating location identified
  • Where the money goes: 69.8% of revenue deployed · 70.9% of spending went to programs
  • Governance: 10 of 11 board members independent · 9 of 9 filing controls reported
  • Programs: 5 filed program accomplishments · $36.4M in reported program spending
  • Leadership: top reported pay $568K · 30 people listed · 4 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $2.3M reported
  • Consistency: 34 of 36 current checks pass · 2 findings to review
  • Schedules: 7 filed schedules · includes major donors, foreign activity, and executive pay
  • Filing history: 15 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 18 filed money-flow records
  • Related organizations: 6 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.

  • High — Transparency & Controls: Foreign activity oversight scored 0/100.
  • High — Transparency & Controls: Grant itemization coverage scored 0/100.
  • High — Financial Efficiency: Fundraising efficiency scored 24/100.
  • High — Growth: Program expense growth scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Total-asset coverage ratio scored 27/100.
  • Review — Sustainability: Operating margin scored 56/100.
  • High — Growth: Asset growth scored 0/100.
  • High — Sustainability: Officer compensation ratio scored 7/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 46/100.
  • Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.
  • Review — Transparency & Controls: Schedule R controlled transactions itemized did not reconcile in the filed values.