CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC Charity Report

Public IRS 990 nonprofit record

CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC

EIN 52-0846275 · Financial Counseling (P51)

What they do

to IMPROVE THE FINANCIAL LIVES of THE INDIVIDUALS and COMMUNITIES WE SERVE.CREDIT COUNSELING SERVICE of MD & DE, INC. (D/B/A CCCSMD) PROVIDES COMPREHENSIVE FINANCIAL SOLUTIONS to PEOPLE WHO NEED or WANT to IMPROVE THEIR FINANCIAL WELL-BEING. WE ARE RECOGNIZED AS ONE of THE COUNTRYS MOST REPUTABLE PROVIDERS of CREDIT COUNSELING, HOUSING COUNSELING, and FINANCIAL EDUCATION and COACHING. THROUGH A HOLISTIC, EDUCATIONAL APPROACH, CCCSMD EMPOWERS CLIENTS to MAKE INFORMED FINANCIAL DECISIONS THAT WILL HELP THEM ACHIEVE THEIR FINANCIAL GOALS.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $84.70 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 2023The report may be old. Ask for a newer one.

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

They name their leaders15 people are listed in the latest report.

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

Money made simple

98.02%of revenue went to mission work84.7% of expenses · Program services

$115.74spent for every $100 of revenueSpending was higher than revenue this year.

17.72%of revenue went to management and office costs15.3% of expenses

81.5%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.

Worth asking: Expenses exceeded revenue by $396,348 this year. Ask whether that was planned or caused by a one-time event.

Pay context: The highest compensation shown in this filing is $210,102 for HELENE RAYNAUD (PRESIDENT, CEO). 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 2023

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$2,517,980

Mission workProgram services$2,468,01698.02% of revenue84.7% of expenses

ManagementOffice and general costs$446,31117.72% of revenue15.3% of expenses

FundraisingAsking for donations0.00% of revenue0.0% of expenses

Total expenses$2,914,328115.74% of revenue

Expenses were greater than revenue, so the colored ring fills the available $100 and the total above 100% is shown below.

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

2023CurrentExpense mix: 84.7% mission · 15.3% management · 0.0% fundraisingTotal expenses: 115.74% of revenue

2022Expense mix: 90.8% mission · 9.2% management · 0.0% fundraisingTotal expenses: 141.03% of revenue

2021Expense mix: 82.1% mission · 17.9% management · 0.0% fundraisingTotal expenses: 80.89% of revenue

2020Expense mix: 82.0% mission · 18.0% management · 0.0% fundraisingTotal expenses: 116.67% of revenue

2019Expense mix: 81.5% mission · 18.5% management · 0.0% fundraisingTotal expenses: 105.01% of revenue

2018Expense mix: 58.2% mission · 41.8% management · 0.0% fundraisingTotal expenses: 148.10% of revenue

2017Expense mix: 63.1% mission · 36.9% management · 0.0% fundraisingTotal expenses: 151.30% of revenue

2016Expense mix: 69.1% mission · 28.8% management · 2.0% fundraisingTotal expenses: 162.56% of revenue

Money in and money out

Revenue$2,517,980

Expenses$2,914,328

Annual shortfall $396,348 Expenses were higher than revenue 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)$2,468,016 · 84.7% of expenses

Management and office costs$446,311 · 15.3% of expenses

See all reported dollar amounts

Revenue$2,517,980

Expenses$2,914,328

Income$3,404,455

Contributions$2,052,048

Mission work (program services)$2,468,016

Grants given$3,137,678

Average grant$108,196

Management and general$446,311

Executive compensation (total)$282,248

Stocks and bonds$7,286,790

Accounting fees$108,051

Investing fees$46,198

People

Leadership and board

Tax year 2023

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

People reported as paid

Person and titleCompensation

HELENE RAYNAUDPRESIDENT, CEO · 40 hrs/week $210,102Base $200,102 · Other $10,000

SUSAN FITZVP, COUNSELING, PROGRAM & COMPLIANCE · 40 hrs/week $121,863Base $107,843 · Other $14,020

EMILY HICKOXVP, MARKETING · 40 hrs/week $110,739Base $105,466 · Other $5,273

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 (15)

HELENE RAYNAUDPRESIDENT, CEO

SUSAN FITZVP, COUNSELING, PROGRAM & COMPLIANCE

EMILY HICKOXVP, MARKETING

BENJAMIN LOWENTHALBOARD MEMBER

BLAKE ALLISONBOARD MEMBER

BRIAN TAYLORSECRETARY

GAIL SANDERSBOARD MEMBER

JOYCE ODONGOBOARD VICE CHAIR

JUSTIN COUSINSBOARD MEMBER

LAUREN HUGHESBOARD MEMBER

LAURIE BENNERBOARD MEMBER

MILLA KRASNOPOLSKYTREASURER

RAHN BARNESBOARD MEMBER

SARAH COFFEY BOWESBOARD MEMBER

WILLIAM E MILLS IIIBOARD CHAIR

About this charity

Location: 6315 HILLSIDE CT STE B, COLUMBIA, MD 210463230
County: Howard
In care of: Lyle Lansdell
Primary officer: Lyle Lansdell, Chief Financial Officer

How to reach them

WebsiteVisit the charity’s website Phone(443) 514-0600 Officer phone(713) 394-3423

Filing and classification

Latest tax year: 2023
Tax period began: January 1, 2023
Return type: 990
NTEE classification: Financial Counseling (P51)
IRS tax category: Financial Counseling
Grant-giving organization: Yes