Educational Credit Management Corporation

Minneapolis, Minnesota

CHealth Score
40C

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Below Average

How This Organization Compares

Compared to 43 peers in Public & Societal Benefit with $100M-$1B revenue

Working Capital Ratio (net assets ÷ expenses)

This Org0.11×
Peer Median1.07×
💰
$318.1M
Total Revenue
📊
$362.1M
Total Expenses
🏦
$38.5M
Net Assets
📋
$256.6M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
-12.1%
Year-over-year change (2022 → 2023)
Net Margin
-13.8%
Revenue minus expenses as % of revenue
Working Capital Ratio
0.11
Net assets divided by total expenses
Liabilities-to-Assets
87.0%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$318,087,34612%$362,056,0077%$295,093,71631%
2022$361,979,72615%$338,613,46810%$429,860,10543%
2021$424,071,75455%$374,401,99328%$748,768,66317%
2020$274,395,44515%$293,177,5438%$904,889,62314%
2019$322,133,75813%$320,180,5109%$1,053,060,87611%
2018$370,174,2329%$351,286,09319%$945,525,9076%
2017$405,151,558$435,118,9168%$888,390,9121%
2016$403,557,2006%$403,193,6482%$876,663,5389%
2015$428,120,0649%$394,886,9724%$961,783,29941%
2014$391,897,95914%$411,988,70021%$681,510,40817%
2013$455,413,4917%$523,114,7429%$583,597,15815%
2012$426,602,41311%$575,602,74595%$682,872,23515%
2011$383,140,483$295,529,395$802,387,300

Frequently Asked Questions

What does Educational Credit Management Corporation do?

Educational Credit Management Corporation is a public & societal benefit nonprofit organization based in Minnesota. It is classified under NTEE code W600 and is registered as a 501(c) tax-exempt organization with the IRS.

Is Educational Credit Management Corporation financially healthy?

Based on our 9-metric Financial Health Score model, Educational Credit Management Corporation has a score of 40/100 (Grade: C). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Educational Credit Management Corporation generate?

Educational Credit Management Corporation reports $265.0M in annual revenue and holds $209.1M in total assets, based on IRS filings.

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