CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC Charity Report

Public IRS 990 nonprofit record

CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC

EIN 31-0731111 · Financial Counseling (P51)

What they do

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 for OVER 69 YEARS 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; C

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $74.10 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2024The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders11 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

73.94%of revenue went to mission work74.1% of expenses · Program services

2.52%of revenue went to fundraising2.5% of expenses

$94.06spent for every $100 of revenueRevenue covered expenses this year.

23.30%of revenue went to management and office costs23.4% of expenses

$1.65in assets for every $1 spent this yearSome assets cannot be spent right away.

48.4%of its money came from giftsOther money may come from services or investments.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $235,209 for JONATHAN M CANTRELL (PRESIDENT /). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2024

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$3,314,982

Mission workProgram services$2,451,24573.94% of revenue74.1% of expenses

ManagementOffice and general costs$772,45023.30% of revenue23.4% of expenses

FundraisingAsking for donations$83,4002.52% of revenue2.5% of expenses

Revenue left after expensesReported annual surplus$7,8870.24% of revenueShown in gray on the chart

Total expenses$3,307,09599.76% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2024CurrentExpense mix: 74.1% mission · 23.4% management · 2.5% fundraisingTotal expenses: 99.76% of revenue

2023Expense mix: 74.7% mission · 21.7% management · 3.6% fundraisingTotal expenses: 119.05% of revenue

2022Expense mix: 72.5% mission · 23.9% management · 3.6% fundraisingTotal expenses: 111.74% of revenue

2021Expense mix: 74.6% mission · 21.9% management · 3.5% fundraisingTotal expenses: 76.48% of revenue

2020Expense mix: 75.2% mission · 21.8% management · 3.1% fundraisingTotal expenses: 99.01% of revenue

2019Expense mix: 78.9% mission · 18.8% management · 2.3% fundraisingTotal expenses: 102.65% of revenue

2018Expense mix: 81.7% mission · 16.6% management · 1.8% fundraisingTotal expenses: 127.53% of revenue

2017Expense mix: 79.4% mission · 19.0% management · 1.6% fundraisingTotal expenses: 149.87% of revenue

Money in and money out

Revenue$3,515,785

Expenses$3,307,095

Annual surplus $208,690 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$2,451,245 · 74.1% of expenses

Management and office costs$772,450 · 23.4% of expenses

Fundraising$83,400 · 2.5% of expenses

See all reported dollar amounts

Revenue$3,515,785

Expenses$3,307,095

Assets$5,446,807

Income$8,838,949

Contributions$1,701,718

Mission work (program services)$2,451,245

Fundraising$83,400

Management and general$772,450

Executive compensation (total)$569,647

Stocks and bonds$3,664,614

Accounting fees$21,000

Investing fees$23,053

People

Leadership and board

Tax year 2024

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

JONATHAN M CANTRELLPRESIDENT / · 50 hrs/week $235,209Base $200,892 · Other $34,317

CHRISTOPHER J KALLAYVP/TREASURER · 50 hrs/week $226,452Base $181,450 · Other $45,002

BRIAN YODERSECRETARY/ D · 40 hrs/week $132,277Base $93,828 · Other $38,449

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (11)

JONATHAN M CANTRELLPRESIDENT /

CHRISTOPHER J KALLAYVP/TREASURER

BRIAN YODERSECRETARY/ D

FREDERICK H HEYSEDIRECTOR

JAY E MICHAELDIRECTOR

JOSH CURTISDIRECTOR

KAYLA SELHORSTCHAIRPERSON

MICHAEL HARDINGDIRECTOR

STACY TOKIDIRECTOR

STEVE WEIKERDIRECTOR

TERESA HOLLAND RICHDIRECTOR

About this charity

Recognized since: January 1968
Location: 700 TAYLOR ROAD, GAHANNA, OH 43230-3318
County: Franklin
In care of: % BRENDA HAMMOND
Primary officer: JONATHAN M CANTRELL, PRESIDENT / CEO

How to reach them

WebsiteVisit the charity’s website EmailNatasha.bishop@apprisen.com Phone(800) 355-2227

Filing and classification

Latest tax year: 2024
Tax period began: January 1, 2024
Return type: 990
Tax preparer: BHM CPA GROUP INC
NTEE classification: Financial Counseling (P51)
IRS tax category: Financial Counseling