CONSUMER CREDIT COUNSELING SERVICE OF WESTERN NORTH CAROLINA INC Charity Report

Public IRS 990 nonprofit record

CONSUMER CREDIT COUNSELING SERVICE OF WESTERN NORTH CAROLINA INC

EIN 56-1056077 · Financial Counseling (P51)

What they do

OnTrack WNC Helps People Achieve Their Money and Housing Goals Through Financial Education, Counseling and Support So That They Can Overcome Crises, Afford Basic Needs, Improve Money Management Skills and Make Sound Financial Choices Rooted In Their Values.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $78.40 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 leaders20 people are listed in the latest report.

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

Money made simple

73.46%of revenue went to mission work78.4% of expenses · Program services

6.53%of revenue went to fundraising7.0% of expenses

$93.69spent for every $100 of revenueRevenue covered expenses this year.

13.70%of revenue went to management and office costs14.6% of expenses

$1.20in assets for every $1 spent this yearSome assets cannot be spent right away.

83.4%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 $113,870 for MELINDA BULLEN (DEPARTING EXECUTIVE DIRECTOR). 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$1,179,312

Mission workProgram services$866,31473.46% of revenue78.4% of expenses

ManagementOffice and general costs$161,51313.70% of revenue14.6% of expenses

FundraisingAsking for donations$77,0186.53% of revenue7.0% of expenses

Revenue left after expensesReported annual surplus$74,4676.31% of revenueShown in gray on the chart

Total expenses$1,104,84593.69% 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: 78.4% mission · 14.6% management · 7.0% fundraisingTotal expenses: 93.69% of revenue

2023Expense mix: 77.6% mission · 16.4% management · 5.9% fundraisingTotal expenses: 107.59% of revenue

2022Expense mix: 78.9% mission · 17.6% management · 3.5% fundraisingTotal expenses: 105.29% of revenue

2021Expense mix: 83.8% mission · 11.6% management · 4.6% fundraisingTotal expenses: 110.78% of revenue

2020Expense mix: 83.3% mission · 13.5% management · 3.3% fundraisingTotal expenses: 112.07% of revenue

2019Expense mix: 83.1% mission · 13.3% management · 3.5% fundraisingTotal expenses: 77.93% of revenue

2018Expense mix: 88.2% mission · 9.1% management · 2.8% fundraisingTotal expenses: 109.53% of revenue

2017Expense mix: 87.1% mission · 9.7% management · 3.2% fundraisingTotal expenses: 86.01% of revenue

Money in and money out

Revenue$1,179,312

Expenses$1,104,845

Annual surplus $74,467 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)$866,314 · 78.4% of expenses

Management and office costs$161,513 · 14.6% of expenses

Fundraising$77,018 · 7.0% of expenses

See all reported dollar amounts

Revenue$1,179,312

Expenses$1,104,845

Assets$1,328,038

Income$1,179,312

Contributions$983,056

Mission work (program services)$866,314

Fundraising$77,018

Management and general$161,513

Executive compensation (total)$110,165

Stocks and bonds$319,156

Accounting fees$22,580

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

MELINDA BULLENDEPARTING EXECUTIVE DIRECTOR · 40 hrs/week $113,870Base $103,483 · Other $10,387

PETER WRUBLEWSKIFINANCE DIRECTOR / INTERIM EXEC DIRECTOR · 40 hrs/week $79,521Base $69,710 · Other $9,811

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 (20)

MELINDA BULLENDEPARTING EXECUTIVE DIRECTOR

PETER WRUBLEWSKIFINANCE DIRECTOR / INTERIM EXEC DIRECTOR

TERRANCE MCNIGHTDIRECTOR

ALLISON ROLLISONDIRECTOR

TARA BROWNDIRECTOR

TARA ABSHIREDIRECTOR

TANGELA ROBINSONDIRECTOR

SALLIE WILLIAMSDIRECTOR

ROB SACASADIRECTOR

MIKE PETERSONDIRECTOR

MICHAEL BEANDIRECTOR

MATTHEW BELITSOSTREASURER

MARK ANTHONY MCGRUDERVICE-PRESIDENT

KATHY MINTERDIRECTOR

KATHEY AVERYDIRECTOR

JENNY FORERODIRECTOR

EMILY WHEELERSECRETARY

ELAINE DEPPEDIRECTOR

DAVID WERLEIMMEDIATE PAST PRESIDENT

APRIL BROWNPRESIDENT

About this charity

Location: 50 S FRENCH BROAD AVE, ASHEVILLE, NC 28801-3218
County: Buncombe
In care of: Matthew Belitsos
Primary officer: Matthew Belitsos, Treasurer

How to reach them

WebsiteVisit the charity’s website Emailinfo@ontrackwnc.org Phone(828) 255-5166

Filing and classification

Latest tax year: 2024
Tax period began: July 1, 2024
Return type: 990
Tax preparer: CORLISS & SOLOMON PLLC
NTEE classification: Financial Counseling (P51)
IRS tax category: Financial Counseling