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Iowa · Nonprofit

CONSUMER CREDIT OF DES MOINES

CONSUMER CREDIT OF DES MOINES (Iowa) receives grants from 1 organization whose IRS filings report $16,500 to it, the largest being AMERICAN ONLINE GIVING FOUNDATION INC ($16,500). 0 of them have funded it in more than one year, and 100% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.

Revenue FY2025
$1.7M
Funders on record
1
Grants received
$17k
Net assets
$2.7M
0/1 repeat funderspeak grant-dependency 1%
01What it does

What Consumer Credit of Des Moines does

Mission

Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.

As stated on its FY2025 Form 990.

Programs

  1. The organization provides assistance to consumers seeking credit counseling, budget and financial advice, and offers a debt management program where appropriate. The organization follows the required criteria for exemption under internal revenue code section 501(q). During 2025, the organization provided free budget and credit counseling to over two thousand individuals and families with approximately 876 electing to enter into a debt management plan agreement with the organization. During 2025, 301 individuals successfully completed their debt management plans administered by the organization, paying off all their unsecured debts in full.

    $720,128 spent$1,495,491 earned by the program
    92% of program spending

  2. The organization provides pre-bankruptcy counseling to individual participating in the united states trustee's program.the organization is an approved nonprofit budget and credit counseling agency, having received its initial approval as such from the u.s. Department of justice, executive office for united states trustees, in 2006. In 2025, the organization conducted 99 pre-bankruptcy counseling sessions, and the organization waived or reduced the allowable statutory fees for pre-bankruptcy counseling in 23% of all cases due to client's limited resources or financial hardship.the organization also provides post-bankruptcy debtor education.

    $2,496 earned by the program

  3. The organization presents free educational seminars concerning credit counseling, budgeting and financial planning to the general public throughout the year.the organization continued its long history of providing free education programs to the general public during 2025. The organization conducted in-person presentations on various consumer credit, budgeting and personal finance subjects to numerous groups.in addition, the organization maintains a vast electronic education library on its website, where individuals can access informational materials covering topics addressing personal finance and financial literacy.

    $60,000 spent
    8% of program spending

The 3 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $780,128.

02The organization over time

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.

100 = 20172017 Revenue 100 ($1.3M) Expenses 100 ($1.6M) Net assets 100 ($1.8M)2018 Revenue 107 ($1.4M) Expenses 96 ($1.5M) Net assets 95 ($1.8M)2019 Revenue 113 ($1.5M) Expenses 91 ($1.4M) Net assets 100 ($1.8M)2020 Revenue 123 ($1.6M) Expenses 89 ($1.4M) Net assets 115 ($2.1M)2021 Revenue 105 ($1.4M) Expenses 87 ($1.4M) Net assets 114 ($2.1M)2022 Revenue 85 ($1.1M) Expenses 82 ($1.3M) Net assets 105 ($1.9M)2023 Revenue 83 ($1.1M) Expenses 82 ($1.3M) Net assets 94 ($1.7M)2024 Revenue 111 ($1.5M) Expenses 82 ($1.3M) Net assets 105 ($1.9M)2025 Revenue 130 ($1.7M) Expenses 79 ($1.3M) Net assets 146 ($2.7M)
'17'18'19'20'21'22'23'24'25
Revenue (130)Expenses (79)Net assets (146)Peer revenue range

Balance sheet

Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2024 to 2025, from $2.3M to $3.0M (+28%).

$2.1M
$2.0M
$2.2M
$2.2M
$2.4M
$2.2M
$2.1M
$2.3M
$3.0M
'17'18'19'20'21'22'23'24'25
Total assetsTotal liabilities

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.

2017
2018
2019
2020
2021
2022
2023
2024
2025
ContributionsProgram revenueInvestmentOther

Government-grant reliance: 2020 8%. Grants only. Government contracts and fees sit inside program revenue.

10% of CONSUMER CREDIT OF DES MOINES’s revenue is contributions — more earned-revenue than three-quarters of its peers (81% for the typical peer).

This organization
Typical peer · 11,793 orgs

Surplus & reserves

Operating surplus or deficit each year, and months of liquidity in hand. 4 of the last 9 reported years ran a deficit.

−$261k
’17
−$94k
’18
$66k
’19
$219k
’20
$7k
’21
−$173k
’22
−$200k
’23
$162k
’24
$460k
’25
22
months of
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

Lisa Ohnemus

Executive director

Board chair

David Shelledy

Chairman

As listed on its FY2025 Form 990.

'17'18'19'20'21'22'23'24'25
Listed887666778
Joined·+0+0+0+1+1+1+0+1
No longer listed·01111000
03Who funds it

Who funds it, year by year

Grant support over time, funder by funder — shade shows the grant size each year.

Funder
'22
total
funders
1

1 of 1 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 100% 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 OF DES MOINES’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.

Where its funders are

100% of CONSUMER CREDIT OF DES MOINES's grant income arrives through donor-advised or pass-through sponsors, whose addresses record where the money is held rather than where the donor is. Too little is directly attributable to place on a map.

Funder states come from each funder’s own filing. $17k arriving through sponsors registered in 1 state 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.

04Its place in the field

Against its field

CONSUMER CREDIT OF DES MOINES runs a healthier operating margin than three-quarters of the 6,891 human services nonprofits its size.

Operating margin27% · top quartile
Months of reserve22.4mo · top quartile
Revenue growth (annualized)3% · below the median

this organization peer median middle 50% of peers· 6,891 human services nonprofits $1M–$10M, FY2025

Organizations like CONSUMER CREDIT OF DES MOINES

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 Iowa

Iowa Council of Foundations82%Consumer Credit Counseling Service of Northeastern Iowa Inc82%Iowa Credit Union Foundation81%Lead Dsm80%Helping Services for Youth and Families Inc80%Des Moines Christian Schools79%Iowa Health Foundation79%Catholic Council for Social Concern Inc Catholic Charities79%

Nationally

Consumer Credit Counseling Services of the Midwest Inc84%Credit Advisors Foundation83%Incharge Debt Solutions82%Iowa Council of Foundations82%Consumer Credit Counseling Service of Northeastern Iowa Inc82%Advantage Credit Counseling Service Inc82%Consumer Credit Counseling Service of Southern Oregon Inc82%Consumer Debt Counselors Inc82%
05Profile & governance

Read directly from this organization’s own Form 990, as neutral context.

Where the money goes

62% of spending goes to programs.

Program 62%Management 38%Fundraising 0%

Governance

7
board members
57%
independent
✓Conflict-of-interest policy✓Whistleblower policy✓Document retention✓Board reviewed the 990✓Audited financials

Public support

88%

Share of support from the public (Schedule A) — the basis for its public-charity status.

Footprint & structure

Files a return copy in 8 states

MN
IL
WI
OR
IA
AZ
MS
AL

Screen this organization

A dated, signed PDF of the compliance screen for CONSUMER CREDIT OF DES MOINES: 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.

A paid feature, included from the $75 plan up. Sign in to download.

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 OF DES MOINES?
CONSUMER CREDIT OF DES MOINES (Iowa) receives grants from 1 organization whose IRS filings report $16,500 to it, the largest being AMERICAN ONLINE GIVING FOUNDATION INC ($16,500). 0 of them have funded it in more than one year, and 100% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
How many funders does CONSUMER CREDIT OF DES MOINES have?
IRS filings report 1 organization giving $16,500 in grants to CONSUMER CREDIT OF DES MOINES.
Who is the largest funder of CONSUMER CREDIT OF DES MOINES?
AMERICAN ONLINE GIVING FOUNDATION INC is the largest funder on record, with $16,500 in grants. The full list of funders is on this page.
How can an organization like CONSUMER CREDIT OF DES MOINES find more funders?
Start with the funders already giving here, then look at the foundations that back similar organizations in Iowa. 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 of Des Moines →

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 1 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