2026-07-28T11:34:11-05:00 2025-12-31 351476702 BRADY WARE & SCHOENFELD INC 3601 RIGBY ROAD SUITE 400 DAYTON OH 45342 990 2025-01-01 311410758 TRINITY CREDIT COUNSELING INC TRIN 5137690621 11229 READING ROAD CINCINNATI OH 45241 GARY A VOSICK EXECUTIVE DIRECTOR 5137690621 2026-07-22 1 MATTHEW T DICKERT CPA P01461081 9372235247 2026-07-22 2025 2025-03-06 01:10:19Z GARY A VOSICK 11229 READING ROAD CINCINNATI OH 45241 9856379 0 X TRINITYCREDIT.ORG X 1994 OH EDUCATION AND BUDGETING FOR CONSUMERS. 5 4 0 0 0 0 0 0 6533624 7390420 395857 288861 0 0 6929481 7679281 233173 319970 0 0 3386531 3330845 0 0 0 2760682 3264157 6380386 6914972 549095 764309 9934936 11604072 2287444 2623077 7647492 8980995 X TRINITY IS COMMITTED TO ADDRESSING THE UNDERLYING CAUSES OF DEBT AND FINANCIAL DISTRESS FOR INDIVIDUALS AND FAMILIES. AS A CREDIT COUNSELING AGENCY, WE BELIEVE FINANCIAL EDUCATION PROVIDES A REMEDY FOR ADDRESSING DEBT, THE MISUSE OF CREDIT, BANKRUPTCY, AND POOR FINANCIAL PLANNING. TRINITY'S MISSION IS TO HELP THOSE EXPERIENCING FINANCIAL DISTRESS IMPROVE THEIR FINANCIAL SITUATION THROUGH COUNSELING AND EDUCATION. 0 0 6301773 319970 7390420 TRINITY PROVIDES CREDIT COUNSELING, DEBT MANAGEMENT, AND DEBT COUNSELING FOR INDIVIDUALS AND FAMILIES WHO ARE EXPERIENCING DEBT PROBLEMS OR NEED GUIDANCE TO FORMULATE A MONTHLY BUDGET. BEING A NON-PROFIT 501(C)(3) ORGANIZATION, MANY OF THESE SERVICES ARE OFFERED AT NO COST TO OUR CLIENTS. THOSE WHO INQUIRE ABOUT OUR SERVICE ARE GIVEN ACCESS TO A CERTIFIED CREDIT COUNSELOR. TO START, COUNSELORS PROVIDE AN EXPLANTION OF ALL THE SERVICES OFFERED. THROUGH CONVERSATION, COUNSELORS WILL FACILITATE A SERIES OF QUESTIONS TO OBTAIN INSIGHT REGARDING THE CALLER'S OVERALL SITUATION. ONCE ENOUGH INFORMATION IS COLLECTED, COUNSELORS USE THEIR EXPERTISE TO DECIDE WHAT OPTIONS ARE AVAILABLE THAT CAN TARGET AND RESOLVE THE CALLER'S SPECIFIC NEEDS. FOR THOSE IN NEED OF FINANCIAL COUNSELING, THE FIRST STEP IS THE DREE DEBT ANALYSIS. THIS CRITICAL STEP ALLOWS THE COUNSELOR TO REVIEW THE CLIENT'S INCOME, EXPENSES, AND IDENTIFY POTENTIAL PROBLEM AREAS. COUNSELORS GIVE SUGGESTIONS ON WAYS IN WHICH THE CLIENT CAN IMPROVE THEIR BUDGET AND FINANCIAL SITUATION. DETAILS PERTAINING TO DEBTS OWED ARE ALSO REVIEWED. RECOMMENDATIONS ARE EXPLAINED ABOUT AVAILABLE OPTIONS THAT WOULD ASSIST WITH REPAYING DEBTS. THE COUNSELOR WILL WORK TO IDENTIFY THE ROOT CAUSE OF THE CLIENT'S SITUATION SO THAT PROPER CORRECTIVE ACTION CAN TAKE PLACE. COUNSELORS WILL PROVIDE FOLLOW UP COUNSELING AT VARIOUS INTERVALS BASED ON EACH INDIVIDUAL'S NEEDS. WEEKLY, TRINITY RECEIVES AS MANY AS 450 INQUIRIES VIA THE TELEPHONE, INTERNET, OR IN PERSON. ANNUALLY, THIS AMOUNTS TO MORE THAN 23,000 PEOPLE WHO CONTACT TRINITY SEEKING OUR ASSISTANCE. ALL ARE GIVEN ACCESS TO A CERTIFIED CREDIT COUNSELOR. APPROXIMATELY 43% OF THESE INQUIRERS GO ON TO COMPLETE AN APPLICATION. OF THE APPLICATIONS RECEIVED, ABOUT 42% ARE ADVISED TO ENTER INTO A DMP. THE REMAINING 58% ARE OFFERED ALTERNATIVE SOLUTIONS SUCH AS WORKING WITH CREDITORS DIRECTLY, BANKRUPTCY, OR AN APPLICABLE REFERRAL TO AN OUTSIDE RESOURCE FOR HELP PERTAINING TO AUTO LOANS, MORTGAGE LOANS, OR STUDENT LOAN RELIEF. TRINITY'S EDUCATION AND OUTREACH EFFORTS ARE INTENDED TO INFORM THE COMMUNITY OF PERSONAL FINANCIAL MANAGEMENT SKILLS AND TECHNIQUES. TRINITY'S EDUCATION AND OUTREACH EFFORTS FOCUS ON SEVERAL TARGETED AUDIENCES: YOUTH AND ADULT FINANCIAL EDUCATION, COMMUNITY COLLEGES AND WORKFORCE DEVELOPMENT AND HOUSING EDUCATION. EDUCATION AND OUTREACH EFFORTS ARE COLLABORATIVE SUCH AS WORKING WITH PUBLIC SCHOOLS, COMMUNITY ORGANIZATIONS, GOVERNMENTAL AGENCIES, CREDIT UNIONS AND PRIVATE BUSINESSES. TRINITY STRIVES TO BUILD AND SUSTAIN COMMUNITY PARTNERSHIPS TO EXPAND ORGANIZATIONAL CAPACITY AND SERVES THE COMMUNITY THROUGH FINANCIAL EDUCATION PRESENTATIONS, WORKSHOPS, OR SEMINARS. IN 2025, 5,827 INDIVIDUALS WERE REACHED BY TRINITY'S EDUCATION PROGRAMS. 6301773 1 0 0 0 0 0 0 0 1 0 1 1 0 1 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 1 6 0 1 0 0 0 0 0 0 0 0 0 0 0 X 5 4 1 0 0 0 0 0 0 1 1 0 0 1 1 1 1 0 1 1 1 0 AZ CA CO CT DE ID IL IN KY MI MS MN NJ NY NC OH OR PA SC TN TX VA WI X GARY A VOSICK 5137690621 11229 READING ROAD CINCINNATI OH 45241 RANDALL K WHEELER DIRECTOR 1.00 X 5000 0 0 JUDY DURHAM DIRECTOR 1.00 X 5000 0 0 JOHN STEVENSON DIRECTOR 1.00 X 5000 0 0 DANA MOODY DIRECTOR 1.00 X 5000 0 0 GARY A VOSICK PRESIDENT 40.00 X 262913 0 66475 JADE DURHAM VICE PRESIDENT 40.00 X 202154 0 83081 WC SHAD FRANCIS DIRECTOR OF OUTREACH 40.00 X 124681 0 31947 JENNIFER JENSEN CERTIFIED CREDIT COUNSELOR 40.00 X 110890 0 31703 720638 0 213206 4 0 1 0 0 CLIENT FEES 541900 4292364 4292364 FAIRSHARE CREDITORS 525990 3098056 3098056 7390420 291347 291347 2174612 2177098 -2486 -2486 -2486 7679281 7390420 0 288861 319970 319970 913844 789634 124210 1559719 1330439 229280 679341 587004 92337 177941 153755 24186 31150 15575 15575 35333 35333 32029 32029 2231138 2231138 203115 187936 15179 186739 166198 20541 22123 6163 15960 3594 1797 1797 49821 44340 5481 27326 24320 3006 CLIENT BENEFIT PROGRAM 211704 211704 OUTSIDE SERVICES 137327 118661 18666 EQUIPMENT RENTAL AND MA 48946 43562 5384 CREDIT REPORT FEES 15597 15597 28215 21951 6264 6914972 6301773 613199 0 1332902 50000 1682261 71200 63000 35255 39574 656792 511295 171760 145497 5600988 6579886 1269714 1572590 1453117 1471264 9934936 11604072 834328 1151813 999747 1141472 453369 329792 2287444 2623077 X 0 0 0 0 7647492 8980995 7647492 8980995 9934936 11604072 764309 569194 0 X 0 1 X 0 0 X 5613907 4774122 5272954 6533626 7390420 29585029 5613907 4774122 5272954 6533626 7390420 29585029 0 0 0 29585029 218222 -188552 170131 395856 288861 884518 218222 -188552 170131 395856 288861 884518 5832129 4585570 5443085 6929482 7679281 30469547 0.97100 0.97850 0.02900 0.02150 X 0 1 X 181677 128216 53461 475115 383079 92036 145497 ANNUITY CONTRACTS 806071 F GOLD 766519 F 1572590 TRUST ACCOUNT 1141472 RIGHT OF USE ASSET 329792 1471264 LEASE OBLIGATIONS - LONG-TERM 201293 LEASE OBLIGATIONS - SHORT-TERM 128499 329792 X 8213144 569196 569196 7643948 35333 35333 7679281 6879639 0 6879639 35333 35333 6914972 PART IV, LINE 2B: THE ORGANIZATION HAS TRUST BANK ACCOUNTS. THE PURPOSE OF THESE ACCOUNTS IS TO DEPOSIT THE PAYMENTS MADE BY CLIENTS AND HOLD THEM UNTIL THE CLIENT PAYMENTS ARE REMITTED TO THE CREDITORS. CERTAIN STATES REQUIRE THE ORGANIZATION TO MAINTAIN BANK ACCOUNTS AT A FINANCIAL INSTITUTION WITH A PHYSICAL PRESENCE IN THAT STATE. THE BALANCE IN THE ACCOUNTS AT DECEMBER 31, 2025 AND 2024 WAS $1,141,472 AND $999,747. THE ORGANIZATION ALSO RECOGNIZED A TRUST LIABILITY FOR THE SAME AMOUNTS AS OF DECEMBER 31, 2025 AND 2024. THE ORGANIZATION REMITS THE FUNDS TO THE CREDITORS WEEKLY. CLIENT PAYMENTS PAID WITH MONEY ORDERS OR CASHIER'S CHECKS ARE REMITTED IN THE NEXT CHECK RUN. PERSONAL CHECKS AND ACH RECEIPTS ARE REMITTED APPROXIMATELY SEVEN DAYS AFTER THE DEPOSIT TO GIVE THE ITEMS ADEQUATE TIME TO CLEAR THE BANK. THE FAIRSHARE AMOUNTS DEDUCTED DO NOT AGREE TO THE AMOUNTS ON THE STATEMENTS OF ACTIVITIES AS NOT ALL AMOUNTS ARE DEDUCTED FROM CREDITOR PAYMENTS. SOME CREDITORS PAY THE ORGANIZATION DIRECTLY OR REQUIRE THEM TO BILL THE FAIRSHARE AMOUNT VERSUS DEDUCTING THE AMOUNT FROM THE REMITTANCES. PART X, LINE 2: ACCOUNTING STANDARDS REQUIRE THE EVALUATION OF TAX POSITIONS TAKEN, OR EXPECTED TO BE TAKEN, IN THE COURSE OF PREPARING THE ORGANIZATION'S TAX RETURNS, TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE-LIKELY-THAN-NOT" OF BEING SUSTAINED BY THE APPLICABLE TAX AUTHORITY. THIS STATEMENT PROVIDES THAT A TAX BENEFIT FROM AN UNCERTAIN TAX POSITION MAY BE RECOGNIZED IN THE FINANCIAL STATEMENTS ONLY WHEN IT IS "MORE-LIKELY-THAN-NOT" THE POSITION WILL BE SUSTAINED UPON EXAMINATION, INCLUDING RESOLUTION OF ANY RELATED APPEALS OR LITIGATION PROCESSES, BASED UPON THE TECHNICAL MERITS AND CONSIDERATION OF ALL AVAILABLE INFORMATION. ONCE THE RECOGNITION THRESHOLD IS MET, THE PORTION OF THE TAX BENEFIT THAT IS RECORDED REPRESENTS THE LARGEST AMOUNT OF TAX BENEFIT THAT IS GREATER THAN 50 PERCENT LIKELY TO BE REALIZED UPON SETTLEMENT WITH A TAXING AUTHORITY. NO SIGNIFICANT UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2025 AND 2024. 0 ST JUDES 262 DANNY THOMAS PLACE MEMPHIS TN 38105 620646012 8500 0 GENERAL SUPPORT OF THE ORGANIZATION IFCJ 330 EAST WACKER DR CHICAGO IL 60601 363256096 10500 0 GENERAL SUPPORT OF THE ORGANIZATION SHRINER HOSPITAL 3229 BURNETT AVE CINCINNATI OH 45229 362193608 5252 0 GENERAL SUPPORT OF THE ORGANIZATION OPERATION SMILE INC 3641 FACULTY BLVD VIRGINIA BEACH VA 23453 541960147 5282 0 GENERAL SUPPORT OF THE ORGANIZATION CITIZENS FOR COMMUNITY VALUES P O BOX 2945 COLUMBUS OH 43216 311075684 20363 0 GENERAL SUPPORT OF THE ORGANIZATION CURRAHEE CENTER 1236 CENTRAL AVE MIDDLETOWN OH 45044 455469534 15000 0 GENERAL SUPPORT OF THE ORGANIZATION DRAGON FLY 9275 GOVERNORS WAY CINCINNATI OH 45249 273183929 10363 0 GENERAL SUPPORT OF THE ORGANIZATION BETHEL WORSHIP CENTER 634 N MAIN STREET UHRICHSVILLE OH 44683 341204775 15000 0 GENERAL SUPPORT OF THE ORGANIZATION THE UNIVERSITY OF CINCINNATI FOUNDATION PO BOX 19970 CINCINNATI OH 452190970 310896555 6300 0 GENERAL SUPPORT OF THE ORGANIZATION BRANCHES CHURCH 6541 ARBORCREST RD LOVELAND OH 45140 455104002 7500 0 GENERAL SUPPORT OF THE ORGANIZATION COTTINGHAM HOSPICE 1600 MARION STREET COLUMBIA SC 29201 570725699 7000 0 GENERAL SUPPORT OF THE ORGANIZATION NICKLAUS CHILDREN'S HOSPITAL 3100 SW 62 AVENUE MIAMI FL 33155 590638499 5327 0 GENERAL SUPPORT OF THE ORGANIZATION STAR 933 PO BOX 24126 CINCINNATI OH 45224 257075340 5201 0 GENERAL SUPPORT OF THE ORGANIZATION OCONEE HOSPITAL 390 KEOWEE SCHOOL ROAD SENECA SC 29672 562141740 7000 0 GENERAL SUPPORT OF THE ORGANIZATION X X X 0 0 0 0 0 0 0 0 0 GARY A VOSICK PRESIDENT 148913 0 114000 0 0 0 35820 0 30655 0 329388 0 0 0 JADE DURHAM VICE PRESIDENT 56404 0 145750 0 0 0 52995 0 30086 0 285235 0 0 0 WC SHAD FRANCIS DIRECTOR OF OUTREACH 96581 0 28100 0 0 0 21583 0 10364 0 156628 0 0 0 SCHEDULE J SUPPLEMENTAL INFORMATION THE ORGANIZATION UTILIZES AN EMPLOYEE LEASING COMPANY TO PROVIDE PAYROLL AND BENEFITS. UNDER FEDERAL LAW, THE ORGANIZATION IS TREATED AS THE COMMON LAW EMPLOYER. HOWEVER, BY USING THE PEO, THE ORGANIZATION DID NOT FILE W-2S AND A W-3 IN ITS NAME. AS A RESULT, THE ANSWERS REGARDING NUMBER OF EMPLOYEES ON FORM W-3 IS ZERO. HOWEVER, ALL OTHER WAGE RESPONSES HAVE BEEN REPORTED AS THOUGH THE ORGANIZATION INCURRED THE WAGES. VOSICK ENTERPRISES LLC GARY VOSICK IS A BOARD MEMBER AND 100% OWNER OF LLC. 132000 LLC LEASES OFFICE BUILDING TO THE ORGANIZATION. 0 FORM 990, PART VI, SECTION A, LINE 2 GARY VOSICK IS MARRIED TO EMPLOYEE, SANDRA VOSICK. JADE DURHAM, VICE PRESIDENT, IS AN OFFICER OF THE ORGANIZATION AND IS ALSO THE DAUGHTER OF GARY AND SANDRA VOSICK. JUDY DURHAM IS THE MOTHER-IN-LAW OF JADE DURHAM. FORM 990, PART VI, SECTION B, LINE 11B A COPY OF THE 990 WAS REVIEWED BY THE ORGANIZATION'S BOARD OF DIRECTORS BEFORE IT WAS FILED. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION HAS SIGNED STATEMENTS ON FILE TO VERIFY THAT THERE IS NO CONFLICT OF INTEREST. VENDOR LISTINGS ARE PROVIDED ANNUALLY THAT ARE REVIEWED AND SIGNED BY THE INDIVIDUALS. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD OF DIRECTORS USES COMPARABLE DATA FROM CEO'S IN OTHER NON-PROFIT ORGANIZATIONS (AS PROVIDED IN THE 990'S) IN DETERMINING THE AMOUNT OF COMPENSATION THAT IS APPROPRIATE FOR THE ORGANIZATION'S KEY EMPLOYEES AND PRESIDENT. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, COPIES OF FORM 990, FINANCIAL STATEMENTS, ETC AVAILABLE TO INTERESTED PARTIES UPON REQUEST. A COPY FEE OF $25 IS CHARGED AND THEY ARE MAILED WITHIN ONE WEEK TO THE INTERESTED PARTY. PART V, LINE 2A - EMPLOYEES OF THE ORGANIZATION THE ORGANIZATION LEASES ALL OF ITS EMPLOYEES FROM AN UNRELATED THIRD PARTY LEASING COMPANY. THE ORGANIZATION HAS INCLUDED THE TOTAL AMOUNT OF LEASED EMPLOYEES DURING THE YEAR.