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American Pacific Financial Services Corp Apfsc

EIN 82-2895115 · Rcho Sta Marg, CA

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthFair58 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

STATEMENT NBSP;2

Income
$496,817
Spending
$502,933
Spent on programs
76%
Reserves
2.7 months of spending
Largest source of income
fees for its services, 65%
Employees
5
Volunteers
7
Highest pay
$46,700, president, coo/cmo, director

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Fair: 58 out of 100. Higher than 26% of charities in its peer group (human services, $250k to $1m).

  • Reserves

    10 of 35

    Spendable reserves would cover 2.7 months of spending.

  • Debt

    20 of 20

    It owes 3% of what it owns.

  • Living within its means

    8 of 15

    Spending exceeded income by 1% of income.

  • Income trend

    5 of 15

    Income fell 17% on the year before.

  • Spending floor

    15 of 15

    76% of spending went to programs and raising each dollar of donations cost 8 cents.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100. Higher than 94% of charities in its peer group (human services, $250k to $1m).

  • Independent board

    25 of 25

    6 of 6 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2025, 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)
  1. $210,000 spent. CREDIT COUNSELING EDUCATION THE ORGANIZATION PROVIDES COMPREHENSIVE CREDIT COUNSELING AND FINANCIAL EDUCATION SERVICES TO LOW- AND MODERATE-INCOME INDIVIDUALS AND FAMILIES ACROSS CALIFORNIA. SERVICES INCLUDE ONE-ON-ONE FINANCIAL COUNSELING BUDGETING ASSISTANCE CREDIT REPORT ANALYSIS AND DEVELOPMENT OF PERSONALIZED FINANCIAL ACTION PLANS. IN 2025 PARTICIPANTS ENGAGED IN STRUCTURED COUNSELING SESSIONS AND DEMONSTRATED MEASURABLE PROGRESS TOWARD IMPROVED CREDIT PROFILES REDUCED UNSECURED DEBT AND INCREASED FINANCIAL STABILITY. GRANT FUNDING SUPPORTS THE DELIVERY OF SERVICES AT LOW OR NO COST ENSURING ACCESS FOR UNDERSERVED COMMUNITIES AND INDIVIDUALS FACING FINANCIAL HARDSHIP AND EXPANDING PARTICIPATION IN FINANCIAL EMPOWERMENT PROGRAMS.
  2. $130,000 spent. DEBT MANAGEMENT PROGRAM THE ORGANIZATION OPERATES A DEBT MANAGEMENT PROGRAM (DMP) THAT ENABLES CLIENTS TO REPAY UNSECURED DEBT THROUGH STRUCTURED AND AFFORDABLE REPAYMENT PLANS. THE PROGRAM WORKS WITH CREDITORS TO REDUCE INTEREST RATES AND FEES WHILE CONSOLIDATING MULTIPLE DEBTS INTO A SINGLE MONTHLY PAYMENT. IN 2025 PARTICIPANTS MADE CONSISTENT PROGRESS TOWARD DEBT REDUCTION AND IMPROVED FINANCIAL STABILITY THROUGH SUSTAINED REPAYMENT PERFORMANCE. THIS PROGRAM GENERATES PROGRAM SERVICE REVENUE THAT SUPPORTS LONG-TERM ORGANIZATIONAL SUSTAINABILITY WHILE DELIVERING MEASURABLE CONSUMER FINANCIAL PROTECTION OUTCOMES INCLUDING REDUCED DEBT BURDENS AND IMPROVED FINANCIAL BEHAVIORS.
  3. $25,000 spent. BANKRUPTCY COUNSELING DEBTOR EDUCATION THE ORGANIZATION PROVIDES PRE-BANKRUPTCY COUNSELING AND POST-FILING DEBTOR EDUCATION SERVICES AS REQUIRED UNDER FEDERAL LAW. THESE SERVICES ENSURE THAT INDIVIDUALS CONSIDERING OR UNDERGOING BANKRUPTCY RECEIVE FINANCIAL EDUCATION ON BUDGETING RESPONSIBLE CREDIT USE AND LONG-TERM FINANCIAL PLANNING. IN 2025 PARTICIPANTS COMPLETED REQUIRED COUNSELING SESSIONS AND DEVELOPED FINANCIAL MANAGEMENT STRATEGIES TO SUPPORT IMPROVED FINANCIAL DECISION-MAKING AND LONG-TERM FINANCIAL RECOVERY FOLLOWING BANKRUPTCY.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. 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 October 13, 2026.

  2. 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 October 13, 2026.

  3. 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 October 13, 2026.

  4. 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 October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since March 2020.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. 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 21, 2026.

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