CONSUMER CREDIT COUNSELING SERVICE OFGREATER ATLANTA INC Charity Report

Public IRS 990 nonprofit record

CONSUMER CREDIT COUNSELING SERVICE OFGREATER ATLANTA INC

EIN 58-0942924 · Financial Counseling, Money Management

What they do

See Schedule O for Complete Description. - ClearPoint Will Help Individuals and Families Build Long-term Economic Security By Providing A Full Range of Solutions Focused Financial Education, Counseling, Coaching and Advisory Services to Low-to-moderate Income Individuals and Families.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $82.30 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 2016The 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 leaders24 people are listed in the latest report.

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

Money made simple

100.38%of revenue went to mission work82.3% of expenses · Program services

4.85%of revenue went to fundraising4.0% of expenses

$121.96spent for every $100 of revenueSpending was higher than revenue this year.

16.73%of revenue went to management and office costs13.7% of expenses

$0.34in assets for every $1 spent this yearSome assets cannot be spent right away.

70.4%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.

Worth asking: Expenses exceeded revenue by $4,576,145 this year. Ask whether that was planned or caused by a one-time event.

Pay context: The highest compensation shown in this filing is $482,099 for JAMES CRAIG (EXEC VP & COO). 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 2016

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$20,838,048

Mission workProgram services$20,917,171100.38% of revenue82.3% of expenses

ManagementOffice and general costs$3,486,56816.73% of revenue13.7% of expenses

FundraisingAsking for donations$1,010,4544.85% of revenue4.0% of expenses

Total expenses$25,414,193121.96% of revenue

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

Money in and money out

Revenue$20,838,048

Expenses$25,414,193

Annual shortfall $4,576,145 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)$20,917,171 · 82.3% of expenses

Management and office costs$3,486,568 · 13.7% of expenses

Fundraising$1,010,454 · 4.0% of expenses

See all reported dollar amounts

Revenue$20,838,048

Expenses$25,414,193

Assets$8,539,134

Income$20,888,301

Contributions$14,664,633

Mission work (program services)$20,917,171

Fundraising$1,010,454

Management and general$3,486,568

Executive compensation (total)$1,349,573

Stocks and bonds$6,939,024

Accounting fees$52,000

Investing fees$232

People

Leadership and board

Tax year 2016

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

People reported as paid

Person and titleCompensation

JAMES CRAIGEXEC VP & COO · 40 hrs/week $482,099Base $453,409 · Other $28,690

CHRISTOPHER J HONENBERGERPRESIDENT & CEO · 40 hrs/week $283,863Base $264,813 · Other $19,050

MICHELLE JONESSVP COUNSELING · 40 hrs/week $239,536Base $219,442 · Other $20,094

KEVIN KEENEYSVP OF IT · 40 hrs/week $197,345Base $185,000 · Other $12,345

GENE FITZCFO · 40 hrs/week $146,731Base $137,406 · Other $9,325

ALVINA VEREDVP,MARKETING AND COMMUNICATION · 40 hrs/week $125,809Base $119,966 · Other $5,843

RAYNER PENNIEVICE PRESIDENT OF BUSINESS DEVELOPMENT · 40 hrs/week $112,805Base $108,120 · Other $4,685

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 (24)

JAMES CRAIGEXEC VP & COO

CHRISTOPHER J HONENBERGERPRESIDENT & CEO

MICHELLE JONESSVP COUNSELING

KEVIN KEENEYSVP OF IT

GENE FITZCFO

ALVINA VEREDVP,MARKETING AND COMMUNICATION

RAYNER PENNIEVICE PRESIDENT OF BUSINESS DEVELOPMENT

FRANK FABIANODIRECTOR

WARREN CLARKDIRECTOR

RALPH PERALESDIRECTOR

MANUEL PERDOMODIRECTOR

LARRY HOSKINSTREASURER

JAMES FRANKLINDIRECTOR

GREG MCBRIDEDIRECTOR

H STANLEY MUIR IIIDIRECTOR

DWIGHT PREVODIRECTOR

DIANE WILLIAMSDIRECTOR

DAVID RUBINGERDIRECTOR

CHARLES BRUENCHAIRMAN

CHAD ZIMMERMANDIRECTOR

CATHERINE GAMBLEDIRECTOR

CAROLYN ALFORDDIRECTOR

ANN STAHLDIRECTOR

ALBERT YOUNGSECRETARY

About this charity

Location: 270 Peachtree Street NW Suite 1800, Atlanta, GA 30303
County: Fulton
In care of: Michelle Jones

How to reach them

WebsiteVisit the charity’s website Phone(877) 877-1995

Filing and classification

Latest tax year: 2016
Tax period began: January 1, 2016
Tax preparer: MAULDIN & JENKINS LLC
IRS tax category: Financial Counseling, Money Management