Oregon · Nonprofit
CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC
CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC (Oregon) receives grants from 18 organizations whose IRS filings report $834,541 to it, the largest being THE OREGON COMMUNITY FOUNDATION ($173,386). 12 of them have funded it in more than one year.
- Revenue FY2024
- $793k
- Funders on record
- 18
- Grants received
- $835k
- Net assets
- $572k
What Consumer Credit Counseling Service of Southern Oregon Inc does
Mission
To recognize and address the financial challenges of our clients and our community. Through professional counseling and education, we endeavor to promote financial stability.
As stated on its FY2024 Form 990.
Programs
The agency provides free financial counseling, in person or by phone. Counseling is confidential and is provided by a credit counselor certified by the national foundation for credit counseling. In 2023, we conducted 1,2023 counseling appointments. During the appointment, a personalized budget is developed and a comprehensive list of creditors is created. Based on the persons specific financial situation, possible options are discussed. Clients complete a financial exit evaluation and in 2023 95% of the clients counseled said they would rate our services as excellent.
$738,931 spent100% of program spendingThe agency provides debt management plans for those clients that qualify for, and are interested in, repaying their creditors through our agency. In 2023 about 8% of the clients counseled chose this option as the best option for their situation. Payments to creditors are calculated by the counselor according to criteria established by the creditors. Clients make payments to the agency every month and those payments are forwarded to their creditors setup and monthly fees are charged, but can be waived if they would be a barrier to receiving the service.
The agency provides community education and presentations on budgeting, credit, goal setting, housing, and money management. In 2023, a total of 27 community presentations to 4,323 persons were made at the invitation of the agencys community partners (for example; head start, addictions recovery center) for their clients. Presentations are generally made at the partners location so that clients can feel comfortable attending and the education can fit the clients overall goals. Most of the funding comes from grants from local and regional foundations and corporations.
The 3 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $738,931.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2020 to 2021, from $493k to $1.2M (+147%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
37% of CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC’s revenue is contributions — more earned-revenue than three-quarters of its peers (91% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 2 of the last 8 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Bill Ihle
CEO
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 4 funders to 10 funders, grant income rose $49k → $112k.
2 of 18 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 21% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC has a broad base — no single funder exceeds 21% of grant income, and it takes 3 funders to reach half.
the vertical line marks half of all grant income — 3 funders to its left
48% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC.
Largest funder’s share by year: 2017 41% · 2018 35% · 2019 38% · 2020 38% · 2021 21% · 2022 29% · 2023 21% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
60% of CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC's funders are still giving 3 years after their first grant; 67% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
54% of CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC's grant income comes from Oregon funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $173k arriving through sponsors registered in 2 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC is better cushioned than half of the 21,616 human services nonprofits its size.
this organization peer median middle 50% of peers· 21,616 human services nonprofits $100k–$1M, FY2024
Organizations like CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Oregon
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
86% of spending goes to programs.
Governance
Public support
100%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Screen this organization
A dated, signed PDF of the compliance screen for CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC?
- CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC (Oregon) receives grants from 18 organizations whose IRS filings report $834,541 to it, the largest being THE OREGON COMMUNITY FOUNDATION ($173,386). 12 of them have funded it in more than one year.
- How many funders does CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC have?
- IRS filings report 18 organizations giving $834,541 in grants to CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC, 12 of which have funded it in more than one year.
- Who is the largest funder of CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC?
- THE OREGON COMMUNITY FOUNDATION is the largest funder on record, with $173,386 in grants. The full list of funders is on this page.
- How can an organization like CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Oregon. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Consumer Credit Counseling Service of Southern Oregon →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2024 (financials across 2017–2024), and the filings of 18 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing