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Nonprofiteer
← CONSUMERS CREDIT COUNSELING SERVICE OF ROCHESTER INC

Form 990 for tax year 2023

Filed by CONSUMERS CREDIT COUNSELING SERVICE OF ROCHESTER INC.

Totals

Total revenue
$3,189,728
Total expenses
$4,119,248
Contributions and grants received
$1,110,759
Grants paid
$362,202
Program service revenue
$1,565,876
Investment income
$442,807
Other revenue
$70,286
Total assets, end of year
$7,547,194
Total liabilities, end of year
$1,443,695
Net assets or fund balances, end of year
$6,103,499
Program services expenses (Part IX)
$3,441,695
Management and general expenses
$677,553
Fundraising expenses
$0
Program service expenses (Part III)
$3,441,695

Program services were 83.6% 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.

  • 1e · Government grants (contributions)

    $366,692

  • 1f · All other contributions, gifts and grants

    $744,067

  • 2a · Program service revenue: Client Fees

    total $986,332 · related or exempt $986,332

  • 2b · Program service revenue: Creditor Fees

    total $487,044 · related or exempt $487,044

  • 2c · Program service revenue: Program Service Revenue

    total $92,500 · related or exempt $92,500

  • 3 · Investment income

    total $137,655 · excluded $137,655

  • 7a · Gross sales of assets other than inventory

    securities $1,236,392

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

    securities $931,240

  • 7c · Gain or loss

    securities $305,152

  • 7d · Net gain or loss

    total $305,152 · excluded $305,152

  • 11a · Other revenue: Other Income

    total $70,286 · related or exempt $70,286

  • 11e · Other revenue, total

    $70,286

Functional expenses

Part IX, the statement of functional expenses.

  • 2 · Grants to domestic individuals

    total $362,202 · program services $362,202

  • 5 · Compensation of officers, directors and key employees

    total $346,420 · program services $37,019 · management and general $309,401

  • 7 · Other salaries and wages

    total $1,500,070 · program services $1,418,903 · management and general $81,167

  • 8 · Pension plan contributions

    total $49,541 · program services $48,459 · management and general $1,082

  • 9 · Other employee benefits

    total $266,090 · program services $251,970 · management and general $14,120

  • 10 · Payroll taxes

    total $143,544 · program services $114,835 · management and general $28,709

  • 11b · Fees: legal

    total $2,731 · management and general $2,731

  • 11f · Fees: investment management

    total $22,618 · management and general $22,618

  • 11g · Fees: other

    total $76,686 · program services $12,801 · management and general $63,885

  • 12 · Advertising and promotion

    total $290,423 · program services $290,423

  • 13 · Office expenses

    total $216,447 · program services $163,282 · management and general $53,165

  • 14 · Information technology

    total $225,849 · program services $211,052 · management and general $14,797

  • 16 · Occupancy

    total $165,989 · program services $154,370 · management and general $11,619

  • 17 · Travel

    total $32,834 · program services $32,834

  • 19 · Conferences, conventions and meetings

    total $49,585 · program services $45,552 · management and general $4,033

  • 20 · Interest

    total $6,138 · management and general $6,138

  • 21 · Payments to affiliates

    total $49,299 · program services $49,299

  • 22 · Depreciation, depletion and amortization

    total $84,773 · program services $82,230 · management and general $2,543

  • 23 · Insurance

    total $41,695 · program services $38,776 · management and general $2,919

  • 24a · Other expenses: Dues

    total $88,241 · program services $88,241

  • 24b · Other expenses: Bad Debt Expense

    total $58,626 · management and general $58,626

  • 24c · Other expenses: Accreditation

    total $3,249 · program services $3,249

  • 24e · All other expenses

    total $36,198 · program services $36,198

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $114,253 · end of year $97,777

  • 2 · Savings and temporary cash investments

    beginning of year $66,126 · end of year $70,613

  • 3 · Pledges and grants receivable

    beginning of year $728,456 · end of year $218,555

  • 4 · Accounts receivable

    beginning of year $66,809 · end of year $85,489

  • 9 · Prepaid expenses and deferred charges

    beginning of year $96,711 · end of year $65,916

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

    $808,292

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

    $532,750

  • 10c · Land, buildings and equipment, net

    beginning of year $284,887 · end of year $275,542

  • 11 · Investments: publicly traded securities

    beginning of year $5,483,044 · end of year $5,517,252

  • 15 · Other assets

    beginning of year $1,302,125 · end of year $1,216,050

  • 17 · Accounts payable and accrued expenses

    beginning of year $121,094 · end of year $130,045

  • 21 · Escrow or custodial account liability

    beginning of year $507,808 · end of year $546,451

  • 25 · Other liabilities

    beginning of year $781,745 · end of year $767,199

  • 27 · Net assets without donor restrictions

    beginning of year $5,850,803 · end of year $5,857,949

  • 28 · Net assets with donor restrictions

    beginning of year $880,961 · end of year $245,550

Mission and programs · 2023

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.

Activities or mission (Part I)

Educate and empower individuals to create a realistic budget to avoid bankruptcy.

  • 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 2023, we served thousands of individuals and families across all our licensed locations with 81% of our clients meeting low to moderate income guidelines. Since February 2020, CCCS is the anchor counseling partner of the Cities for Financial Empowerment Fund's Financial Empowerment Center of Rochester. 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.

    Expenses $3,441,695 · Grants $362,202 · Revenue $1,636,162

As filed on the 2023 return.

Listed in Part VII

  • Steve Young

    Member

    Total calculated
    $0
    Hours/week
    0.5

  • Steve Phillips

    Chairman

    Total calculated
    $0
    Hours/week
    0.6

  • Edward Saresky

    Vice Chair

    Total calculated
    $0
    Hours/week
    0.6

  • Terry Allenbrandt

    Treasurer

    Total calculated
    $0
    Hours/week
    0.6

  • Amelia Blake-Dowdle

    Member

    Total calculated
    $0
    Hours/week
    0.5

  • Sara Shimmel

    Member

    Total calculated
    $0
    Hours/week
    0.5

  • Stephen LaSalle II

    Member

    Total calculated
    $0
    Hours/week
    0.5

  • Lynette Loomis

    Member

    Total calculated
    $0
    Hours/week
    0.5

  • Cherrie Mahon

    Member

    Total calculated
    $0
    Hours/week
    0.5

  • Dr Donna Haeger

    Member

    Total calculated
    $0
    Hours/week
    0.5

  • Lee Drake

    Member

    Total calculated
    $0
    Hours/week
    0.5

  • Anthony Scalia

    Member

    Total calculated
    $0
    Hours/week
    0.5

  • John Roman

    Member

    Total calculated
    $0
    Hours/week
    0.5

  • Kory Samuels

    Member

    Total calculated
    $0
    Hours/week
    0.5

  • Josh Kaplan

    Member

    Total calculated
    $0
    Hours/week
    0.5

  • Jason Tracy

    Chief Executive Officer

    Total calculated
    $198,343
    From this org
    $180,380
    From related orgs
    $0
    Other
    $17,963
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $180,380
    Bonus
    $0
    Other
    $0
    Deferred
    $6,301
    Nontaxable benefits
    $11,662
    Filer's total
    $198,343

  • Christopher Camaione-Lind

    Chief Administrative Officer

    Total calculated
    $148,077
    From this org
    $124,336
    From related orgs
    $0
    Other
    $23,741
    Hours/week
    40

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 · Form 990 of other organizations
  • 3 · Approval by the board or compensation committee

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
  • 7 · Other non-fixed payments
  • 8 · Paid under the initial-contract exception

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.

Taxable family on this return

Schedule R Parts I, III and IV, as filed. These record ownership and control, not shared board members or money moved.

Disregarded entities

Part I: entities that legally are the filer and file no return of their own.

  • 1003 W 4th Street Property LLC

    Real Estate · IA

    Directly controlled by Consumer Credit Counseling Service of Rochester Inc

Provenance

Return type
form_990
Tax year
2023
Filed
29 April 2024
IRS schema version
2023v5.0
Source object
202401279349301855

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