Human Services
(P51)
990 on File
ABACUS CREDIT COUNSELING
Financial strength (30%)
88/100
Reliability (20%)
50/100
Effectiveness (25%)
68/100
Impact (25%)
No data yet
CharityAI™ Score
Not yet evaluated
Financial Overview — FY 2025
$3.0M
Total Revenue
$2.5M
Total Expenses
$9.2M
Net Assets
37
Employees
Revenue Sources
Expense Breakdown
Program Expense Ratio
69.3%
Fundraising Efficiency
N/A
Operating Reserve
44.00x
Liability-to-Asset
1.6%
Revenue Diversification
80.1%
Executive Compensation
$542K
Compared with Peers
FY 2025
Compared with 3,979 similar organizations
(United States, Human Services, $1M–$10M in expenses), FY 2025.
This organization
Middle half of peers (P25–P75)
Peer median
| Ratio | This org | Peer median | Position (P10 → P90) | |
|---|---|---|---|---|
|
Program expense ratio
Program expenses / total expenses
· higher is better
|
69.3% | 85.4% |
P10P90
|
Bottom quarter |
|
Admin expense ratio
Management and general / total expenses
· lower is better
|
30.7% | 11.5% |
P10P90
|
Bottom quarter |
|
Fundraising expense ratio
Fundraising expenses / total expenses
· lower is better
|
0.0% | 0.5% |
P10P90
|
Top quarter |
|
Operating reserve
Months of expenses covered by net assets
· higher is better
|
44.0 mo | 9.3 mo |
P10P90
|
Top quarter |
|
Liabilities to assets
Total liabilities / total assets
· lower is better
|
1.6% | 12.0% |
P10P90
|
Top quarter |
|
Revenue concentration
Share of revenue from the largest source
· lower is better
|
80.1% | 92.3% |
P10P90
|
Above median |
|
Revenue growth
Year over year revenue growth
|
24.3% | 5.5% |
P10P90
|
|
|
Expense growth
Year over year expense growth
|
12.9% | 5.6% |
P10P90
|
|
|
Surplus margin
Surplus as a share of revenue
|
15.8% | 2.7% |
P10P90
|
Financial History
| Year | Revenue | Expenses | Net Assets | Program % | Staff |
|---|---|---|---|---|---|
| 2025 | $3.0M | $2.5M | $9.2M | 69.3% | 37 |
| 2024 | $2.4M | $2.2M | $7.8M | 69.9% | 37 |
| 2023 | $2.8M | $2.1M | $7.3M | 66.8% | 38 |
| 2022 | $2.6M | $2.1M | $6.6M | 66.6% | 33 |
| 2021 | $2.0M | $2.2M | N/A | — | 38 |
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