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← CONSUMER CREDIT COUNSELING SERVICE OF THE MIDWEST INC

Form 990 for tax year 2025

Filed by CONSUMER CREDIT COUNSELING SERVICE OF THE MIDWEST INC.

What the amendment changed

Compared with the return it replaced , filed 27 July 2026. matched by us Only the return's totals, a 990-PF's accounting method and the names listed in Part VII (Part VIII on a 990-PF) are compared. We relate returns by organization, tax year and form, and order them by each return's own timestamp; the filer's own "amended return" checkbox is a separate fact.

Listed only on the later return

  • Redonna Thompson

Totals

Total revenue
$3,515,785
Total expenses
$3,346,254
Contributions and grants received
$1,612,697
Grants paid
$0
Program service revenue
$1,588,770
Investment income
$311,266
Other revenue
$3,052
Total assets, end of year
$5,446,807
Total liabilities, end of year
$1,161,287
Net assets or fund balances, end of year
$4,285,520
Program services expenses (Part IX)
$2,709,808
Management and general expenses
$586,228
Fundraising expenses
$50,218
Program service expenses (Part III)
$2,709,808

Program services were 81.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

  • 1a · Federated campaigns

    $10,170

  • 1e · Government grants (contributions)

    $147,536

  • 1f · All other contributions, gifts and grants

    $1,454,991

  • 1g · Noncash contributions included above

    $45,684

  • 2a · Program service revenue: DEBT MANAGEMENT PROGRAM FEES

    total $1,554,766 · related or exempt $1,554,766

  • 2b · Program service revenue: FINANCIAL EDUCATION PROGRAM

    total $21,119 · related or exempt $21,119

  • 2c · Program service revenue: HOUSING EDUCATION

    total $12,885 · related or exempt $12,885

  • 3 · Investment income

    total $313,037 · excluded $313,037

  • 7a · Gross sales of assets other than inventory

    securities $5,321,393

  • 7b · Less cost or other basis and sales expenses

    securities $5,323,164

  • 7c · Gain or loss

    securities -$1,771

  • 7d · Net gain or loss

    total -$1,771 · related or exempt -$1,771

  • 11a · Other revenue: OTHER REVENUE

    total $3,052 · excluded $3,052

  • 11e · Other revenue, total

    $3,052

Functional expenses

Part IX, the statement of functional expenses.

  • 5 · Compensation of officers, directors and key employees

    total $636,266 · program services $281,658 · management and general $303,209 · fundraising $51,399

  • 7 · Other salaries and wages

    total $1,179,403 · program services $1,188,976 · management and general -$5,548 · fundraising -$4,025

  • 8 · Pension plan contributions

    total $45,848 · program services $45,794 · management and general $46 · fundraising $8

  • 9 · Other employee benefits

    total $165,175 · program services $165,175

  • 10 · Payroll taxes

    total $149,172 · program services $128,984 · management and general $17,352 · fundraising $2,836

  • 11b · Fees: legal

    total $2,369 · management and general $2,369

  • 11c · Fees: accounting

    total $22,300 · management and general $22,300

  • 11d · Fees: lobbying

    total $1,500 · management and general $1,500

  • 11f · Fees: investment management

    total $24,311 · management and general $24,311

  • 11g · Fees: other

    total $141,314 · program services $103,543 · management and general $37,771

  • 12 · Advertising and promotion

    total $203,125 · program services $154,658 · management and general $48,467

  • 13 · Office expenses

    total $7,891 · program services $7,570 · management and general $321

  • 14 · Information technology

    total $213,386 · program services $180,275 · management and general $33,111

  • 16 · Occupancy

    total $60,169 · program services $60,169

  • 17 · Travel

    total $12,492 · program services $8,135 · management and general $4,357

  • 20 · Interest

    total $18,873 · management and general $18,873

  • 22 · Depreciation, depletion and amortization

    total $80,193 · program services $78,003 · management and general $2,190

  • 23 · Insurance

    total $74,030 · program services $32,742 · management and general $41,288

  • 24a · Other expenses: BANK CHARGES

    total $101,209 · program services $79,470 · management and general $21,739

  • 24b · Other expenses: MEMBERSHIP DUES

    total $52,937 · program services $52,057 · management and general $880

  • 24c · Other expenses: TAXES AND LICENSES

    total $39,941 · program services $32,143 · management and general $7,798

  • 24d · Other expenses: DIRECT ASSISTANCE TO CLIE

    total $36,538 · program services $36,538

  • 24e · All other expenses

    total $77,812 · program services $73,918 · management and general $3,894

Balance sheet

Part X, book values.

  • 2 · Savings and temporary cash investments

    beginning of year $545,617 · end of year $620,298

  • 3 · Pledges and grants receivable

    beginning of year $70,480 · end of year $58,261

  • 4 · Accounts receivable

    beginning of year $579,540 · end of year $29,247

  • 9 · Prepaid expenses and deferred charges

    beginning of year $119,019 · end of year $120,405

  • 10a · Land, buildings and equipment: cost or other basis

    $5,262,587

  • 10b · Land, buildings and equipment: accumulated depreciation

    $4,877,733

  • 10c · Land, buildings and equipment, net

    beginning of year $187,999 · end of year $384,854

  • 11 · Investments: publicly traded securities

    beginning of year $3,664,614 · end of year $4,027,404

  • 14 · Intangible assets

    beginning of year $126,048 · end of year $126,048

  • 15 · Other assets

    beginning of year $104,588 · end of year $80,290

  • 17 · Accounts payable and accrued expenses

    beginning of year $467,290 · end of year $470,749

  • 19 · Deferred revenue

    beginning of year $5,495 · end of year $512

  • 21 · Escrow or custodial account liability

    beginning of year $369,163 · end of year $450,105

  • 23 · Secured mortgages and notes payable

    beginning of year $53,412 · end of year $25,974

  • 25 · Other liabilities

    beginning of year $620,074 · end of year $213,947

  • 27 · Net assets without donor restrictions

    beginning of year $3,841,267 · end of year $4,257,578

  • 28 · Net assets with donor restrictions

    beginning of year $41,204 · end of year $27,942

Mission and programs · 2025

Mission

HELPING PEOPLE IMPROVE THEIR FINANCIAL WELL-BEING THROUGH COUNSELING, COMMUNITY OUTREACH AND FINANCIAL EDUCATION.

Activities or mission (Part I)

APPRISEN IS A 501 (C)(3) NONPROFIT DEDICATED TO BUILDING THE FINANCIAL HEALTH OF THE COMMUNITIES WE SERVE. WE ARE A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING, ACCREDITED BY COUNCIL ON ACCREDITATION, APPROVED BY THE EXECUTIVE OFFICE OF THE U.S. TRUSTEES, APPROVED BY HOUSING AND URBAN DEVELOPMENT AND HAVE AN A+ BBB RATING. APPRISEN HAS BEEN IN BUSINESS SINCE 1955 AND HAS HELPED MILLIONS OF INDIVIDUALS AND FAMILIES LEARN MONEY MANAGEMENT SKILLS, BALANCE THEIR BUDGET, BUILD CREDIT AND GET OUT OF DEBT. OUR TRUSTED FINANCIAL EXPERTS PROVIDE CUSTOMIZED ONE- ON-ONE GUIDANCE THAT IS CONFIDENTIAL & CONVENIENT. WE FIND SOLUTIONS TO INDIVIDUALS UNIQUE FINANCIAL CONCERNS IN AN ATMOSPHERE OF TRUST, CREATIVITY AND NON-JUDGEMENT. OUR PROGRAMS INCLUDE COMPREHENSIVE FINANCIAL REVIEW SESSIONS; FINANCIAL COACHING; HUD-APPROVED HOUSING COUNSELING; DEBT MANAGEMENT PROGRAM; EOUST-APPROVED BANKRUPTCY COUNSELING AND EDUCATION; STUDENT LOAN COUNSELING; SMALL BUSINESS FINANCIAL COUNSELING; CREDIT H

  • APPRISEN PROVIDES COMPREHENSIVE FINANCIAL COUNSELING AND EDUCATION TO INDIVIDUALS AND FAMILIES LOOKING TO IMPROVE THEIR FINANCIAL HEALTH. IN 2025, WE HELD 8,966 CONFIDENTIAL COUNSELING SESSIONS WITH PREDOMINATELY LOW-TO-MODERATE INCOME CONSUMERS. OUR CERTIFIED COUNSELORS REVIEW INCOME, MONTHLY EXPENSES, AND DEBT. THEY WORK WITH THE CLIENT TO SET FINANCIAL GOALS AND CREATE A PLAN TO ACHIEVE THEM. THE CLIENT RECEIVES A CUSTOMIZED PLAN OF ACTION TO IMPROVE THEIR FINANCIAL HEALTH. 21% OF THOSE COUNSELED ENTER A DEBT MANAGEMENT PROGRAM (DMP). THE DMP IS A STRUCTURED PROGRAM THAT HELPS THE INDIVIDUALS REPAY THEIR UNSECURED DEBT. IN 2025, INDIVIDUALS IN OUR DMP PAID DOWN 27,660,859 WORTH OF DEBT & 68% OF ENROLLEES COMPLETED THEIR DMP SUCCESSFULLY.

    Expenses $2,389,607 · Revenue $1,554,766

  • APPRISEN IS A HUD-CERTIFIED AGENCY, OFFERING PRE-PURCHASE COUNSELING, RENTAL COUNSELING, AND FORECLOSURE PREVENTION COUNSELING. WE HELD 138 HOUSING RELATED SESSIONS IN 2025, THE MAJORITY OF WHICH FOCUSED ON DELINQUENT MORTGAGES AND FORECLOSURE PREVENTION.

    Expenses $24,023 · Revenue $12,885

  • APPRISEN PROVIDES COMMUNITY FINANCIAL EDUCATION AND OUTREACH PROGRAMS AIMED AT EMPOWERING INDIVIDUALS TO BUILD THEIR FINANCIAL HEALTH. WE WORK CLOSELY WITH COMMUNITY ORGANIZATIONS AND BUSINESSES TO DETERMINE EXISTING AND EMERGING PERSONAL FINANCE ISSUES AND DEVELOP PROGRAMMING TO ADDRESS THOSE NEEDS. WE PROVIDED COMMUNITY PRESENTATIONS AND EXTENSIVE DIGITAL EDUCATION THROUGH OUR WEBINARS, BLOG, AND SOCIAL MEDIA OUTLETS. IN 2025, OUR COMMITMENT TO FINANCIAL EDUCATION REACHED OVER 897K INDIVIDUALS THROUGH OUR OUTREACH AND SOCIAL MEDIA ENDEAVORS.

    Expenses $296,178 · Revenue $21,119

As filed on the 2025 return.

Listed in Part VII

  • Jonathan M Cantrell

    PRESIDENT /

    Total calculated
    $256,993
    From this org
    $220,892
    From related orgs
    $0
    Other
    $36,101
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $200,000
    Bonus
    $20,000
    Other
    $892
    Deferred
    $11,000
    Nontaxable benefits
    $25,101
    Filer's total
    $256,993

  • Christopher J Kallay

    VP/TREASURER

    Total calculated
    $237,647
    From this org
    $190,930
    From related orgs
    $0
    Other
    $46,717
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $175,148
    Bonus
    $15,000
    Other
    $782
    Deferred
    $9,672
    Nontaxable benefits
    $37,045
    Filer's total
    $237,647

  • Brian Yoder

    SECRETARY/ D

    Total calculated
    $141,625
    From this org
    $100,869
    From related orgs
    $0
    Other
    $40,756
    Hours/week
    40

  • Redonna Thompson

    COO

    Total calculated
    $127,952
    From this org
    $110,535
    From related orgs
    $0
    Other
    $17,417
    Hours/week
    40

  • Josh Curtis

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Michael Harding

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Frederick H Heyse

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Jay E Michael

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Teresa Holland Rich

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Kayla Selhorst

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Stacy Toki

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    4

  • Steve Weiker

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

  • 3 · Compensation committee
  • 3 · Form 990 of other organizations
  • 3 · Compensation survey or study
  • 3 · Approval by the board or compensation committee
  • 7 · Other non-fixed payments

Answered no

  • 4a · Severance or change-of-control payment
  • 4b · Supplemental nonqualified retirement plan
  • 4c · Equity-based compensation arrangement
  • 5a · Pay contingent on this organization's revenues
  • 5b · Pay contingent on a related organization's revenues
  • 6a · Pay contingent on this organization's net earnings
  • 6b · Pay contingent on a related organization's net earnings
  • 8 · Paid under the initial-contract exception

The filer's explanations (Part III)

SCHEDULE J, PAGE 1, PART I, LINE 7
THE CEO PRESENTS BONUS COMPENSATION RECOMMENDATIONS TO THE BOARD COMPENSATION COMMITTEE. THE COMMITTEE REVIEWS AND APPROVES ALL BONUS COMPENSATION WHICH IS BASED ON A REFLECTION OF THE INDIVIDUAL'S PERFORMANCE IN RESPONSE TO CHALLENGING PROJECTS.

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

No itemized grants to organizations on this return.

Provenance

Return type
form_990
Tax year
2025
Filed
19 August 2026
IRS schema version
2025v4.0
Source object
202622599349300142

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