Debt Education And Certification Foundation

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Debt Education And Certification Foundation Form 990, Revenue, CEO Pay, and IRS Filing Signals

Debt Education And Certification Foundation is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Debt Education And Certification Foundation in one place.

Is Debt Education And Certification Foundation Legit?

Some Concerns

Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →

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Turn this Form 990 profile into a donor-ready report

Request a concise report for Debt Education And Certification Foundation with revenue, expenses, executive compensation, red flags, peer context, and IRS source links. You can also request CSV exports or watchlist updates for future filings.

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Debt Education And Certification Foundation directs 85% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.

About Debt Education And Certification Foundation

Debt Education And Certification Foundation (EIN: 202870155) is a nonprofit organization based in Benbrook, TX, classified under NTEE code P51. The organization reported total revenue of $1.9M and total assets of $1.7M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Debt Education And Certification Foundation's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.

Organization Overview

Debt Education And Certification Foundation is a mid-size nonprofit that has been operating for 19 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of -9.4%.

Key Financial Metrics (2023)

From the most recent IRS 990 filing on record:

Financial Health Grade: C

In 2023, Debt Education And Certification Foundation reported a deficit of $143K with expenses exceeding revenue, holds 13.5 months of operating reserves (strong position), has a debt-to-asset ratio of 53.5% (high leverage).

Financial Trends

Over 13 years of filings (2011–2023), Debt Education And Certification Foundation's revenue has declined at a compound annual growth rate (CAGR) of -9.4%.

IRS Tax-Exempt Classification

Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.

AI Transparency Report

Mission Effectiveness Score

NonprofitSpending's AI analysis rates Debt Education And Certification Foundation with a Mission Score of 85 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.

Spending Breakdown

• admin: 10%
• programs: 85%
• fundraising: 5%

According to IRS 990 filings, Debt Education And Certification Foundation allocates its expenses as follows: admin: 10%, programs: 85%, fundraising: 5%. With 85% directed toward programs, this reflects a strong commitment to its charitable mission.

Key Financial Metrics (2023)

From the most recent IRS 990 filing on record:

• The organization reported a deficit of $143K, with expenses exceeding revenue.
• Debt-to-asset ratio: 53.5%.

Executive Compensation Analysis

The organization consistently reports 0% officer compensation across all available filings, indicating that no salaries are paid to officers, which is highly unusual for an organization of its size with revenues consistently over $1.6 million.

Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.

Red Flags

The following concerns were identified during AI analysis of Debt Education And Certification Foundation's IRS 990 filings:

• Frequent periods where expenses exceed revenue, such as in 202312 ($1,787,433 expenses vs. $1,643,959 revenue), which could indicate financial strain.
• Consistent 0% officer compensation for an organization with over $1.6 million in annual revenue, which is highly unusual and might warrant further scrutiny into how leadership is compensated or structured.

Strengths

The following positive indicators were identified for Debt Education And Certification Foundation:

• Consistent reporting of 0% officer compensation, indicating a strong commitment to directing funds away from executive salaries.
• Stable asset base over the past decade, suggesting sound financial management despite periods of deficit spending.
• Consistent revenue generation above $1.6 million annually, demonstrating a sustained ability to attract funding.

Frequently Asked Questions about Debt Education And Certification Foundation

Filing History

IRS 990 filing history for Debt Education And Certification Foundation showing financial trends over 13 years of public records:

Over 13 years of IRS 990 filings (2011–2023), Debt Education And Certification Foundation's revenue has declined by 69.3%, moving from $5.3M to $1.6M. Total assets decreased by 42.5% over the same period, from $3.5M to $2.0M. Total functional expenses fell by 68.8%, from $5.7M to $1.8M. In its most recent filing year (2023), Debt Education And Certification Foundation reported a deficit of $143K, with expenses exceeding revenue. The organization holds $1.1M in liabilities against $2.0M in assets (debt-to-asset ratio: 53.5%), resulting in net assets of $933K.

Year-by-Year Financial Summary

• 2023: Revenue of $1.6M, expenses of $1.8M, and assets of $2.0M (revenue -0.6% year-over-year).
• 2022: Revenue of $1.7M, expenses of $1.3M, and assets of $2.0M (revenue +0.8% year-over-year).
• 2021: Revenue of $1.6M, expenses of $1.8M, and assets of $2.2M (revenue -20.9% year-over-year).
• 2020: Revenue of $2.1M, expenses of $2.3M, and assets of $2.3M (revenue -13.8% year-over-year).
• 2019: Revenue of $2.4M, expenses of $2.6M, and assets of $2.1M (revenue +10.4% year-over-year).
• 2018: Revenue of $2.2M, expenses of $2.3M, and assets of $2.0M (revenue -7.8% year-over-year).
• 2017: Revenue of $2.4M, expenses of $2.3M, and assets of $2.2M (revenue +6.4% year-over-year).
• 2016: Revenue of $2.2M, expenses of $2.1M, and assets of $2.0M (revenue +13.7% year-over-year).
• 2015: Revenue of $2.0M, expenses of $2.1M, and assets of $1.8M (revenue -13.4% year-over-year).
• 2014: Revenue of $2.3M, expenses of $2.7M, and assets of $1.9M (revenue -20.4% year-over-year).
• 2013: Revenue of $2.8M, expenses of $3.7M, and assets of $2.1M (revenue -27.5% year-over-year).
• 2012: Revenue of $3.9M, expenses of $4.5M, and assets of $2.8M (revenue -26.9% year-over-year).
• 2011: Revenue of $5.3M, expenses of $5.7M, and assets of $3.5M.

View Individual Filing Years

Explore detailed financial data from each IRS 990 filing year for Debt Education And Certification Foundation:

Data Sources and Methodology

This transparency report for Debt Education And Certification Foundation is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.

IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.

Disclaimer

AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.