Nonprofit · EIN 93-0585893
CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC
Also known as SOUTHERN OREGON
Tax-exempt · MEDFORD, OR 97504
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $922,800 | $832,328 | $90,472 | $1,729,509 | $1,067,234 | $662,275 |
| December 31, 2024 | 990 | $792,659 | $820,355 | -$27,696 | $1,543,174 | $971,371 | $571,803 |
| December 31, 2023 | 990 | $733,076 | $702,390 | $30,686 | $1,480,711 | $881,212 | $599,499 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $389,137
- Program service revenue
- $521,912
- Investment income
- $11,719
- Other revenue
- $32
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $112,500
- Other salaries and wages
- $238,165
- Salaries, compensation and benefits (total)
- $432,693
- Professional fundraising fees
- $0
- Occupancy
- $32,505
- Travel
- $6,395
- Depreciation
- $7,263
- Program services (functional)
- $738,931
- Management and general (functional)
- $55,809
- Fundraising (functional)
- $37,588
Balance sheet and other
- Total assets, start of year
- $1,543,174
- Total assets, end of year
- $1,729,509
- Total liabilities, end of year
- $1,067,234
- Net assets, end of year
- $662,275
- Land, buildings and equipment
- $21,454
- Net assets without donor restrictions
- $662,275
- Gross receipts
- $922,800
- Employees
- 7
- Volunteers
- 5
- Year formed
- 1971
- State of legal domicile
- OR
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 |
|---|---|---|---|
| BILL IHLE | CEO Officer | 45 | $112,500 |
| JOHN BLACKHURST | President Trustee or director, Officer | 1 | $0 |
| JIM HAYEK | Director Trustee or director | 1 | $0 |
| ROCIO SOLIS | Director Trustee or director | 1 | $0 |
| JEFF DUNN | Director Trustee or director | 1 | $0 |
| JOSE BUGARIN | Vice President Trustee or director, Officer | 1 | $0 |
| RENE L ORDONEZ | Director Trustee or director | 1 | $0 |
| ERIC MITTON | Director Trustee or director | 1 | $0 |
| KRISTI SCHOENBACHLER CPA | Director Trustee or director | 1 | $0 |
| WENDI HOUGHTON | Director Trustee or director | 1 | $0 |
| TERRILL ROPER | Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 11 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| BILL IHLE | CEO Officer | 40 | $116,500 |
| JOHN BLACKHURST | President Trustee or director, Officer | 1 | $0 |
| JIM HAYEK | Director Trustee or director | 1 | $0 |
| ROCIO SOLIS | Director Trustee or director | 1 | $0 |
| JEFF DUNN | Director Trustee or director | 1 | $0 |
| JOSE BUGARIN | Vice President Trustee or director, Officer | 1 | $0 |
| RENE L ORDONEZ | Director Trustee or director | 1 | $0 |
| ERIC MITTON | Director Trustee or director | 1 | $0 |
| KRISTI SCHOENBACHLER CPA | Director Trustee or director | 1 | $0 |
| WENDI HOUGHTON | Director Trustee or director | 1 | $0 |
| TERRILL ROPER | Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 10 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| BILL IHLE | CEO Officer | 40 | $92,334 |
| JOHN BLACKHURST | Director Trustee or director | 1 | $0 |
| JIM HAYEK | Director Trustee or director | 1 | $0 |
| FERNANDO MEDRANO | Secretary Trustee or director, Officer | 4 | $0 |
| JOSE BUGARIN | Vice President Trustee or director, Officer | 1 | $0 |
| RENE L ORDONEZ | Director Trustee or director | 0 | $0 |
| MARY BETH RILEY | Director Trustee or director | 1 | $0 |
| JERI RENO | Secretary Trustee or director, Officer | 1 | $0 |
| BEN KALINA | President Trustee or director, Officer | 1 | $0 |
| TERRILL ROPER | Director Trustee or director | 1 | $0 |
Address and contacts
- Address (IRS master file)
- 820 CRATER LAKE AVE STE 202, MEDFORD, OR 97504-6581
- Signed the 990
- BILL IHLE, CEO
- Phone
- (541) 779-2273
- Website
- www.improvedcredit.org
- Return prepared by
- RWB AND CO
Mission
TO RECOGNIZE AND ADDRESS THE FINANCIAL CHALLENGES OF OUR CLIENTS AND OUR COMMUNITY. THROUGH PROFESSIONAL COUNSELING AND EDUCATION, WE ENDEAVOR TO PROMOTE FINANCIAL STABILITY.
Program accomplishments
- THE AGENCY PROVIDES FREE FINANCIAL COUNSELING, IN PERSON OR BY PHONE. COUNSELING IS CONFIDENTIAL AND IS PROVIDED BY A CREDIT COUNSELOR CERTIFIED BY THE NATIONAL FOUNDATION FOR CREDIT COUNSELING. IN 2023, WE CONDUCTED 1,2023 COUNSELING APPOINTMENTS. DURING THE APPOINTMENT, A PERSONALIZED BUDGET IS DEVELOPED AND A COMPREHENSIVE LIST OF CREDITORS IS CREATED. BASED ON THE PERSONS SPECIFIC FINANCIAL SITUATION, POSSIBLE OPTIONS ARE DISCUSSED. CLIENTS COMPLETE A FINANCIAL EXIT EVALUATION AND IN 2023 95% OF THE CLIENTS COUNSELED SAID THEY WOULD RATE OUR SERVICES AS EXCELLENT.Expenses $738,931
- THE AGENCY PROVIDES DEBT MANAGEMENT PLANS FOR THOSE CLIENTS THAT QUALIFY FOR, AND ARE INTERESTED IN, REPAYING THEIR CREDITORS THROUGH OUR AGENCY. IN 2023 ABOUT 8% OF THE CLIENTS COUNSELED CHOSE THIS OPTION AS THE BEST OPTION FOR THEIR SITUATION. PAYMENTS TO CREDITORS ARE CALCULATED BY THE COUNSELOR ACCORDING TO CRITERIA ESTABLISHED BY THE CREDITORS. CLIENTS MAKE PAYMENTS TO THE AGENCY EVERY MONTH AND THOSE PAYMENTS ARE FORWARDED TO THEIR CREDITORS SETUP AND MONTHLY FEES ARE CHARGED, BUT CAN BE WAIVED IF THEY WOULD BE A BARRIER TO RECEIVING THE SERVICE.
- THE AGENCY PROVIDES COMMUNITY EDUCATION AND PRESENTATIONS ON BUDGETING, CREDIT, GOAL SETTING, HOUSING, AND MONEY MANAGEMENT. IN 2023, A TOTAL OF 27 COMMUNITY PRESENTATIONS TO 4,323 PERSONS WERE MADE AT THE INVITATION OF THE AGENCYS COMMUNITY PARTNERS (FOR EXAMPLE; HEAD START, ADDICTIONS RECOVERY CENTER) FOR THEIR CLIENTS. PRESENTATIONS ARE GENERALLY MADE AT THE PARTNERS LOCATION SO THAT CLIENTS CAN FEEL COMFORTABLE ATTENDING AND THE EDUCATION CAN FIT THE CLIENTS OVERALL GOALS. MOST OF THE FUNDING COMES FROM GRANTS FROM LOCAL AND REGIONAL FOUNDATIONS AND CORPORATIONS.
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
- 93-0585893
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 1996
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $1,729,509
- Income (IRS master file)
- $922,800
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $922,800 | $832,328 | $1,729,509 | XML |
| 990 | December 2024 | $792,659 | $820,355 | $1,543,174 | XML |
| 990 | December 2023 | $733,076 | $702,390 | $1,480,711 | XML |
| 990 | December 2022 | $724,933 | $660,320 | $1,270,086 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 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 (search EIN 93-0585893).
Questions about CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC
- What is the EIN of CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC?
- The employer identification number (EIN) of CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC is 93-0585893.
- Is CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1996.
- Are donations to CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON 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 CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON 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 CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who are the officers and directors of CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC?
- The 990 for the year ended December 31, 2025 lists 11 people; 1 received compensation from the organization, the highest $112,500 (BILL IHLE, CEO).
- How much revenue does CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $922,800, expenses of $832,328 and total assets of $1,729,509 at year end.
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