North Carolina · Nonprofit
Consumer Credit Counseling Service of Western North Carolina Inc
Consumer Credit Counseling Service of Western North Carolina Inc (North Carolina) receives grants from 21 organizations whose IRS filings report $3,219,423 to it, the largest being THE COMMUNITY FOUNDATION OF WESTERN NORTH CAROLINA INC ($765,000). 16 of them have funded it in more than one year.
- Revenue FY2025
- $1.2M
- Funders on record
- 21
- Grants received
- $3.2M
- Net assets
- $1.1M
What Consumer Credit Counseling Service of Western North Carolina Inc does
Mission
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.
As stated on its FY2025 Form 990.
Programs
OnTracks Financial Capabilities Program is a financial empowerment program supporting community members as they create sustainable household budgets, reduce debt, build or establish credit, avoid foreclosure, and access affordable housing through individual counseling and group workshops. Counselors and educators are certified by HUD and the National Foundation for Credit Counseling. Financial Capabilities services support various projects, including the Secure Matched Savings Program, as well as local employer- assisted matched savings programs to assist their employees with homebuying. This organization is a HUD certified housing counseling agency.
$866,314 spentof which $87,360 as grants$142,834 earned by the program100% of program spendingOnTrack provides free tax preparation to low-to-moderate-income (LMI) households across Western North Carolina. Staffed by around 25 volunteers, the Free Tax Preparation services routinely connect LMI households with tax refunds equal to 2% - 5% of their annual gross income, while saving each family tax preparation fees. This organization is an IRS approved VITA site.
The 2 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $866,314.
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 $1.7M to $2.2M (+34%).
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.
Government-grant reliance: 2017 31% · 2018 25% · 2019 21% · 2020 15% · 2021 39% · 2022 54% · 2023 15% · 2024 21% · 2025 7%. Grants only. Government contracts and fees sit inside program revenue.
83% of Consumer Credit Counseling Service of Western North Carolina Inc’s revenue is contributions — more donation-reliant than the typical peer (81% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 6 of the last 9 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.
The chief executive listed changed between the FY2023 and FY2024 filings.
Who funds it, year by year
2017 → 2023: the base broadened from 5 funders to 12 funders, grant income rose $310k → $619k.
6 of 21 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 27% 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 Western North Carolina 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 Western North Carolina Inc has a broad base — no single funder exceeds 24% 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
74% 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 Western North Carolina Inc.
Largest funder’s share by year: 2017 32% · 2018 48% · 2019 48% · 2020 30% · 2021 32% · 2022 42% · 2023 47% — growing more concentrated.
“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
70% of Consumer Credit Counseling Service of Western North Carolina Inc's funders are still giving 3 years after their first grant; 76% 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
86% of Consumer Credit Counseling Service of Western North Carolina Inc's grant income comes from North Carolina funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $869k arriving through sponsors registered in 5 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 Western North Carolina Inc holds deeper cash reserves than three-quarters of the 7,349 human services nonprofits its size.
this organization peer median middle 50% of peers· 7,349 human services nonprofits $1M–$10M, FY2025
Organizations like Consumer Credit Counseling Service of Western North Carolina 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 North Carolina
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
78% of spending goes to programs.
Governance
Public support
79%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Screen this organization
A dated, signed PDF of the compliance screen for Consumer Credit Counseling Service of Western North Carolina 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 Western North Carolina Inc?
- Consumer Credit Counseling Service of Western North Carolina Inc (North Carolina) receives grants from 21 organizations whose IRS filings report $3,219,423 to it, the largest being THE COMMUNITY FOUNDATION OF WESTERN NORTH CAROLINA INC ($765,000). 16 of them have funded it in more than one year.
- How many funders does Consumer Credit Counseling Service of Western North Carolina Inc have?
- IRS filings report 21 organizations giving $3,219,423 in grants to Consumer Credit Counseling Service of Western North Carolina Inc, 16 of which have funded it in more than one year.
- Who is the largest funder of Consumer Credit Counseling Service of Western North Carolina Inc?
- THE COMMUNITY FOUNDATION OF WESTERN NORTH CAROLINA INC is the largest funder on record, with $765,000 in grants. The full list of funders is on this page.
- How can an organization like Consumer Credit Counseling Service of Western North Carolina Inc find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in North Carolina. 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 Western North Carolina →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 21 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 22, 2026. What this page cannot tell you · view filing