Ohio · Nonprofit
CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC
CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC (Ohio) receives grants from 14 organizations whose IRS filings report $1,429,419 to it, the largest being NATIONAL FOUNDATION FOR CREDIT COUNSELING INC ($804,579). 8 of them have funded it in more than one year.
- Revenue FY2025
- $3.5M
- Funders on record
- 14
- Grants received
- $1.4M
- Net assets
- $4.3M
What Consumer Credit Counseling Services of the Midwest Inc does
Mission
Helping people improve their financial well-being through counseling, community outreach and financial education.
As stated on its FY2025 Form 990.
Programs
Apprisen provides comprehensive financial counseling and education to individuals and families looking to improve their financial health. In 2025, we held 8,966 confidential counseling sessions with predominately low-to-moderate income consumers. Our certified counselors review income, monthly expenses, and debt. They work with the client to set financial goals and create a plan to achieve them. The client receives a customized plan of action to improve their financial health. 21% of those counseled enter a debt management program (dmp). The dmp is a structured program that helps the individuals repay their unsecured debt. In 2025, individuals in our dmp paid down 27,660,859 worth of debt & 68% of enrollees completed their dmp successfully.
$2,389,607 spent$1,554,766 earned by the program88% of program spendingApprisen is a hud-certified agency, offering pre-purchase counseling, rental counseling, and foreclosure prevention counseling. We held 138 housing related sessions in 2025, the majority of which focused on delinquent mortgages and foreclosure prevention.
$24,023 spent$12,885 earned by the program1% of program spendingApprisen provides community financial education and outreach programs aimed at empowering individuals to build their financial health. We work closely with community organizations and businesses to determine existing and emerging personal finance issues and develop programming to address those needs. We provided community presentations and extensive digital education through our webinars, blog, and social media outlets. In 2025, our commitment to financial education reached over 897k individuals through our outreach and social media endeavors.
$296,178 spent$21,119 earned by the program11% of program spending
The 3 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $2,709,808.
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 2017 to 2018, from $5.4M to $3.8M (−30%).
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 6% · 2018 3% · 2019 1% · 2020 14% · 2021 22% · 2022 14% · 2023 9% · 2024 6% · 2025 4%. Grants only. Government contracts and fees sit inside program revenue.
46% of CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC’s revenue is contributions — about as donation-reliant as the typical peer (81% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 5 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.
Board chair
Stacy Toki
Chairperson
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base held at 4 funders, grant income fell $203k → $106k.
4 of 14 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 12% 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 SERVICES OF THE MIDWEST 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 SERVICES OF THE MIDWEST INC leans on a few funders — its largest provides 56% of grant income and the top three 75%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
96% 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 SERVICES OF THE MIDWEST INC.
Largest funder’s share by year: 2017 72% · 2018 51% · 2019 67% · 2020 53% · 2021 76% · 2022 66% · 2023 73% — broadly stable.
“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
50% of CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC's funders are still giving 3 years after their first grant; 57% 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
CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC draws 90% of its grant income from funders outside Ohio, across 4 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $170k arriving through sponsors registered in 4 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 SERVICES OF THE MIDWEST INC runs a healthier operating margin than half of the 6,891 human services nonprofits its size.
this organization peer median middle 50% of peers· 6,891 human services nonprofits $1M–$10M, FY2025
Organizations like CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST 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 Ohio
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
81% of spending goes to programs.
Governance
Public support
34%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 35 states
Screen this organization
A dated, signed PDF of the compliance screen for CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST 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 SERVICES OF THE MIDWEST INC?
- CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC (Ohio) receives grants from 14 organizations whose IRS filings report $1,429,419 to it, the largest being NATIONAL FOUNDATION FOR CREDIT COUNSELING INC ($804,579). 8 of them have funded it in more than one year.
- How many funders does CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC have?
- IRS filings report 14 organizations giving $1,429,419 in grants to CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC, 8 of which have funded it in more than one year.
- Who is the largest funder of CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC?
- NATIONAL FOUNDATION FOR CREDIT COUNSELING INC is the largest funder on record, with $804,579 in grants. The full list of funders is on this page.
- How can an organization like CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Ohio. 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 Services of the Midwest →
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 14 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