Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Dec 1994.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
91 cents of each dollar spent went to programs.
Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.
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Who runs it and what they're paid
8 people listed on the 990; $721K paid to officers and key staff.
Gary a Vosick’s $263K as President is at the 96th percentile of top reported officer pay among 3868 $1–10M human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.
Compensation history total reportable pay by year · 8 named individuals · Part VII
| Name | FY2025 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Gary a Vosick | $262,913 | $265,697 | $265,225 | $271,682 | $260,682 |
| Jade Durham | $202,154 | $198,132 | $198,268 | $206,000 | $206,250 |
| Wc Shad Francis | $124,681 | — | — | — | — |
| Jennifer Jensen | $110,890 | — | — | — | — |
| Randall K Wheeler | $5,000 | $4,000 | $5,000 | $5,000 | $5,000 |
| Judy Durham | $5,000 | $4,000 | $2,500 | — | — |
| John Stevenson | $5,000 | $4,000 | $5,000 | $5,000 | — |
| Dana Moody | $5,000 | $4,000 | $2,500 | — | — |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2Yes
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Educates consumers on budgeting and financial management.
Questions for Trinity Credit Counseling INC
Your first name shows with your question. Trinity Credit Counseling INC answers here, for everyone.
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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.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2025 990, line by line.
Download 990
| Line | Start FY25 | End FY25 |
|---|---|---|
| Cash and savingsLn 1–2 | $1.3M | $1.7M |
| InvestmentsLn 11–13 | $6.9M | $8.2M |
| Land, buildings, equipmentLn 10c | $172K | $145K |
| Total assetsLn 16 | $9.9M | $11.6M |
| LiabilitiesLn 26 | $2.3M | $2.6M |
| Net assetsLn 32 | $7.6M | $9.0M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $320K | $320K | ||
| Pay of current officers, directors and key staffLn 5 | $914K | $790K | $124K | |
| Other salaries and wagesLn 7 | $1.6M | $1.3M | $229K | |
| Pension plan contributionsLn 8 | $679K | $587K | $92K | |
| Payroll taxesLn 10 | $178K | $154K | $24K | |
| Accounting feesLn 11c | $31K | $16K | $16K | |
| Investment management feesLn 11f | $35K | $35K | ||
| Other fees for servicesLn 11g | $32K | $32K | ||
| Advertising and promotionLn 12 | $2.2M | $2.2M | ||
| Office expensesLn 13 | $203K | $188K | $15K | |
| OccupancyLn 16 | $187K | $166K | $21K | |
| TravelLn 17 | $22K | $6K | $16K | |
| Conferences, conventions and meetingsLn 19 | $4K | $2K | $2K | |
| Depreciation, depletion and amortizationLn 22 | $50K | $44K | $5K | |
| InsuranceLn 23 | $27K | $24K | $3K | |
| Other expenses (24a–d)Ln 24 | $414K | $390K | $24K | |
| All other expensesLn 24e | $28K | $22K | $6K | |
| Total functional expensesLn 25 | $6.9M | $6.3M | $613K | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest Viewing | $7.7M | $6.9M | $764K | $9.0M | 990 PDF |
| FY2024 | $6.9M | $6.4M | $549K | $7.6M | 990 PDF |
| FY2023 | $5.4M | $5.4M | $27K | $7.0M | 990 PDF |
| FY2022 | $4.6M | $4.6M | −$50K | $6.7M | 990 PDF |
| FY2021 | $5.8M | $5.3M | $576K | $6.9M | 990 PDF |
| FY2020 | $6.7M | $6.1M | $664K | $6.4M | 990 PDF |
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Schedules filed Part IV
See the full FY2025 990 (6 parts)
Part I · Summary $7,679,281 revenue, 12 lines filed
Part VI · Governance 4 of 5 board members independent, 2 to look at
Part VIII · Statement of revenue $7,679,281 across 4 lines filed
Part IX · Statement of functional expenses $6,914,972 across 17 lines filed
Part X · Balance sheet $11,604,072 assets, 14 lines filed
Part XI · Reconciliation of net assets $8,980,995 net assets at year end
Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File
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