Consumer Credit Counseling Service of the Midwest Inc
Public records show a registered, tax-exempt organization in good standing.
What it says it does
HELPING PEOPLE IMPROVE THEIR FINANCIAL WELL-BEING THROUGH COUNSELING, COMMUNITY OUTREACH AND FINANCIAL EDUCATION.
- Income
- $3.3 million
- Spending
- $3.3 million
- Spent on programs
- 74%
- Reserves
- 13.3 months of spending
- Largest source of income
- donations and private grants, 45%
- Employees
- 27
- Volunteers
- 8
- Highest pay
- $235,209, president /
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Strong: 93 out of 100. Higher than 80% of charities in its peer group (human services, $1m to $10m).
Reserves
35 of 35Spendable reserves would cover 13.3 months of spending.
Debt
16 of 20It owes 28% of what it owns.
Living within its means
12 of 15Income exceeded spending by 0% of income.
Income trend
15 of 15Income rose 14% on the year before.
Spending floor
15 of 1574% of spending went to programs and raising each dollar of donations cost 5 cents.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 100 out of 100. Higher than 65% of charities in its peer group (human services, $1m to $10m).
Independent board
25 of 258 of 8 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (3)
- $2.1 million spent. APPRISEN PROVIDES COMPREHENSIVE FINANCIAL COUNSELING AND EDUCATION TO INDIVIDUALS AND FAMILIES LOOKING TO IMPROVE THEIR FINANCIAL HEALTH. IN 2024, WE HELD 8,137 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 INTO A DEBT MANAGEMENT PROGRAM (DMP). THE DMP IS A STRUCTURED PROGRAM THAT HELPS THE INDIVIDUALS REPAY THEIR UNSECURED DEBT. IN 2024, INDIVIDUALS IN OUR DMP PAID DOWN 23,406,903 WORTH OF DEBT & 67% OF ENROLLEES COMPLETED THEIR DMP SUCCESSFULLY.
- $46,544 spent. APPRISEN IS A HUD-CERTIFIED AGENCY, OFFERING PRE-PURCHASE COUNSELING, RENTAL COUNSELING AND FORECLOSURE PREVENTION COUNSELING. WE HELD 289 HOUSING RELATED SESSIONS IN 2024, THE MAJORITY OF WHICH FOCUSED ON DELINQUENT MORTGAGES AND FORECLOSURE PREVENTION.
- $283,466 spent. APPRISEN 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 PROGRAMING TO ADDRESS THOSE NEEDS. WE PROVIDED COMMUNITY PRESENTATIONS AND EXTENSIVE DIGITAL EDUCATION THROUGH OUR WEBINARS, BLOG, AND SOCIAL MEDIA OUTLETS. IN 2024, OUR COMMITMENT TO FINANCIAL EDUCATION REACHED OVER 555K INDIVIDUALS THROUGH OUR OUTREACH AND SOCIAL MEDIA ENDEAVORS.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated September 30, 2026.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated September 10, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since July 1968.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 7, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.