Nonprofit · EIN 31-1410758
TRINITY CREDIT COUNSELING INC
Tax-exempt · CINCINNATI, OH 45241
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $7,679,281 | $6,914,972 | $764,309 | $11,604,072 | $2,623,077 | $8,980,995 |
| December 31, 2024 | 990 | $6,929,481 | $6,380,386 | $549,095 | $9,934,936 | $2,287,444 | $7,647,492 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $7,390,420
- Investment income
- $288,861
- Net gain from sales of assets
- -$2,486
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $319,970
- Compensation of officers, directors and key employees
- $913,844
- Other salaries and wages
- $1,559,719
- Salaries, compensation and benefits (total)
- $3,330,845
- Professional fundraising fees
- $0
- Accounting fees
- $31,150
- Occupancy
- $186,739
- Travel
- $22,123
- Depreciation
- $49,821
- Program services (functional)
- $6,301,773
- Management and general (functional)
- $613,199
Balance sheet and other
- Total assets, start of year
- $9,934,936
- Total assets, end of year
- $11,604,072
- Total liabilities, end of year
- $2,623,077
- Net assets, end of year
- $8,980,995
- Land, buildings and equipment
- $145,497
- Publicly traded securities
- $6,579,886
- Gross receipts
- $9,856,379
- Employees
- 0
- Volunteers
- 0
- Year formed
- 1994
- State of legal domicile
- OH
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GARY A VOSICK | PRESIDENT Officer | 40 | $262,913 | $66,475 |
| JADE DURHAM | VICE PRESIDENT Officer | 40 | $202,154 | $83,081 |
| WC SHAD FRANCIS | DIRECTOR OF OUTREACH Highest-paid employee | 40 | $124,681 | $31,947 |
| JENNIFER JENSEN | CERTIFIED CREDIT COUNSELOR Highest-paid employee | 40 | $110,890 | $31,703 |
| RANDALL K WHEELER | DIRECTOR Trustee or director | 1 | $5,000 | $0 |
| JUDY DURHAM | DIRECTOR Trustee or director | 1 | $5,000 | $0 |
| JOHN STEVENSON | DIRECTOR Trustee or director | 1 | $5,000 | $0 |
| DANA MOODY | DIRECTOR Trustee or director | 1 | $5,000 | $0 |
990 for the year ended December 31, 2024: 6 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GARY A VOSICK | PRESIDENT Officer | 40 | $267,995 | $72,006 |
| JADE DURHAM | OPERATIONS MANAGER Highest-paid employee | 40 | $192,424 | $87,006 |
| RANDALL K WHEELER | DIRECTOR Trustee or director | 1 | $5,000 | $0 |
| JUDY DURHAM | DIRECTOR Trustee or director | 1 | $5,000 | $0 |
| JOHN STEVENSON | DIRECTOR Trustee or director | 1 | $5,000 | $0 |
| DANA MOODY | DIRECTOR Trustee or director | 1 | $5,000 | $0 |
Address and contacts
- Address (IRS master file)
- 11229 READING RD, CINCINNATI, OH 45241-2238
- Principal officer (990 for 2025)
- GARY A VOSICK, 11229 READING ROAD, CINCINNATI, OH 45241
- Signed the 990
- GARY A VOSICK, EXECUTIVE DIRECTOR
- Phone
- (513) 769-0621
- Return prepared by
- BRADY WARE & SCHOENFELD INC
Mission
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.
Program accomplishments
- 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.Expenses $6,301,773 · grants $319,970 · revenue $7,390,420
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 31-1410758
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (509(a)(2))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 1994
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $11,604,072
- Income (IRS master file)
- $9,856,379
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | – | – | – | IRS |
| 990-T | December 2025 | – | – | – | IRS |
| 990 | December 2024 | – | – | – | IRS |
| 990-T | December 2024 | – | – | – | IRS |
| 990 | December 2023 | $5,447,785 | $5,420,862 | $8,808,422 | IRS |
| 990-T | December 2023 | – | – | – | IRS |
| 990 | December 2022 | $4,585,570 | $4,635,682 | $8,530,388 | IRS |
| 990-T | December 2022 | – | – | – | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990-T | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990-T | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS publishes only the latest e-Postcard per organization; earlier years appear here as 990.tax collects the monthly files. 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS.
Questions about TRINITY CREDIT COUNSELING INC
- What is the EIN of TRINITY CREDIT COUNSELING INC?
- The employer identification number (EIN) of TRINITY CREDIT COUNSELING INC is 31-1410758.
- Is TRINITY CREDIT COUNSELING INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1994.
- Are donations to TRINITY CREDIT COUNSELING INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does TRINITY CREDIT COUNSELING INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of TRINITY CREDIT COUNSELING INC due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did TRINITY CREDIT COUNSELING INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of TRINITY CREDIT COUNSELING INC?
- The 990 for the year ended December 31, 2025 names GARY A VOSICK.
- Who are the officers and directors of TRINITY CREDIT COUNSELING INC?
- The 990 for the year ended December 31, 2025 lists 8 people; 8 received compensation from the organization, the highest $262,913 (GARY A VOSICK, PRESIDENT).
- How much revenue does TRINITY CREDIT COUNSELING INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $7,679,281, expenses of $6,914,972 and total assets of $11,604,072 at year end.
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