Consumer Credit Counseling Service of Central Oklahoma, Inc.
4045 NW 64th Street
Suite 430
Oklahoma City OK 73116
Tax Exempt Status Public Supported Charity
Organization Does Business As (DBA) Name(s)
Organization DBA
GreenPath Financial Wellness
GreenPath, Inc.
CCCS of Central Oklahoma
Mission Statement

Empowering people to lead financially healthy lives.

Contact Information
Contact Name Natalie Lohrenz
Contact email
Address 4045 NW 64th Street
Suite 430
Oklahoma City, OK 73116
Phone (888) 7766735
County Oklahoma County
Alternate Address 36500 Corporate Drive
Farmington Hills MI 48331
How to Give
Donate to Endowment
Other ways to donate, support or volunteer

For more ways to support our goal of remixing the American Dream so it works for everyone, please contact

Financial Summary
Projected Revenue $43,584,597.00
Projected Expenses $43,682,991.00
History and Background
Former Names
Year Founded 1961
IRS Ruling Year 1974
State Registration Expiration Nov 2019

Empowering people to lead financially healthy lives.

On March 31, 2018, CCCS of Central Oklahoma became a part of the GreenPath family. GreenPath Financial Wellness, a nationwide non-profit financial counseling agency, is committed to “Remixing the American Dream so that it works for everyone!” Our areas of expertise include budget counseling, money management, credit counseling, housing counseling, financial education and debt management plans, all of which help empower people to lead financially healthy lives. Through our work over nearly 60 years, we have improved the lives of millions of families. We provide counseling and education services to approximately 175,000 households annually, with over 98% of clients stating they would recommend a friend or family member.
GreenPath is a member of the National Foundation for Credit Counseling (NFCC), and is accredited by the Council on Accreditation (COA). GreenPath is also approved by HUD to provide housing counseling services.
Area Served
Area Served
Geographic Area Served
Oklahoma - Statewide

Description In the financial counseling program, our nationally-certified counselors help clients determine income and assets, as well as expenses and debts in order to balance a household budget so that expenses do not exceed income.  This program also helps clients deal with negative housing issues, including delinquency and foreclosure prevention.
Population Served Adults
Description For those who need help in repaying unsecured debts, a Debt Management Plan (DMP) is a program in which creditors are paid back -- usually within 60 months -- in a structured manner.  Most credit card companies waive fees and give interest rate reductions to clients who enroll in a DMP.  This allows the client to pay off the debt more quickly, and it allows the creditor to collect what is owed to them rather than losing the money to a bankruptcy filing on the part of the client.  For some, this is a good way to pay debts that have been turned over to collection agencies or debts to medical providers.
Population Served Adults
Description While we do not encourage bankruptcy, we realize this is a reality in some situations.  Therefore, we offer this valuable program to provide counseling and education as part of navigating the bankruptcy process.  We provide a pre-discharge money management class to help clients toward success after this period in their lives.
Population Served Other Economic Level
Description Our philosophy is that the best tool we can provide is solid education on various financial topics.  To accomplish this, we make educational presentations in colleges & universities, middle & high schools, and in a variety of civic & church settings.  Our topics include, but are not limited to, student loans, how to build credit-worthiness, the wise use of credit, pre-purchase housing issues, Christmas and holiday buying, employment issues, and saving money.
Population Served Adults Poor,Economically Disadvantaged,Indigent Unemployed, Underemployed, Dislocated
CEO/Executive Director
CEO/Executive Director Kristen L Holt
Start Date Mar 2016
Number of Full-time Staff 499
Number of Part-time Staff 19
Number of Contract Staff 2
Number of Volunteers 1
Are professional development opportunities provided? Yes
Does CEO/Executive Director have formal evaluations? Yes
Management reports to board? Yes
Organizational Plans
Fundraising Plan Yes
Communication Plan Yes
Strategic Plan Yes
Management Succession Plan Yes
Organization Policies and Procedures Yes
External Assessments and Accreditations
Council on Accreditation (COA) [for Children and Family Services] - Accreditation2017
Board Chair
Name Jane Sydlowski
Company Affiliation AMI Strategies
Term Mar 2001 to Mar 2019
Board of Directors
List Current as of Jan 15, 2019
Board of Directors List
Mark DuhaimeVoting
John FrithVoting
Bruce GottschallVoting
Sanjeev HandaVoting
Chris HerbertVoting
Richard Hollis
Kristen HoltNonVoting
Rebecca MorelliNonVoting
Carey PachlaVoting
Bruce ParadisVoting
Michael PoulosVoting
William RichardsVoting
Jane SydlowskiVoting
Deierdre WeirVoting
Anthony ZambelliVoting
Current Fiscal Year
Fiscal Year Jan 01, 2019-Dec 31, 2019
Current Year Budgeted Total Income $43,584,597
Current Year Budgeted Total Expenses $43,682,991
IRS Letter of Determination
Prior Three Years' Financial History
Revenue and ExpensesHelpFinancial data for prior years is entered by foundation staff based on the documents submitted by nonprofit organizations.Foundation staff members enter this information to assure consistency in the presentation of financial data across all organizations.
Fiscal Year201720162015
Total Revenue$39,915,469$788,255$842,221
Total Expenses$38,493,776$803,234$829,539
Revenue Less Expenses$1,421,693($14,979)$12,682
Revenue SourcesHelpThe financial analysis involves a comparison of the IRS Form 990 and the audit report (when available) and revenue sources may not sum to total based on reconciliation differences. Revenue from foundations and corporations may include individual contributions when not itemized separately.
Fiscal Year201720162015
Foundation and
Corporation Contributions
Government Contributions$5,548,680$26,082$30,331
Individual Contributions------
Investment Income, Net of Losses$255,159$370$358
Unrealized Gain/Loss$123,959----
Membership Dues------
Special Events------
Revenue In-Kind------
Expense Allocation
Fiscal Year201720162015
Program Expense$33,950,336$684,329$754,880
Administration Expense$3,512,493$96,347$49,772
Fundraising Expense$1,030,947$22,558$24,887
Payments to Affiliates------
Total Revenue/Total Expenses1.040.981.02
Program Expense/Total Expenses88%85%91%
Fundraising Expense/Contributed Revenue23%6%6%
Assets and Liabilities
Fiscal Year201720162015
Total Assets$55,347,490$409,694$401,104
Current Assets$1,048,487$289,847$290,548
Long-Term Liabilities$12,822,091----
Current Liabilities$13,746,309$55,212$31,642
Total Net Assets$28,779,090$354,482$369,462
Short Term Solvency
Fiscal Year201720162015
Current Ratio: Current Assets/Current Liabilities0.085.259.18
Long Term Solvency
Fiscal Year201720162015
Long-Term Liabilities/Total Assets23%0%0%
Funding Sources
Top Funding Sources
Fiscal Year201720162015
Top Funding Source & Dollar AmountEarned Revenue $28,003,060Contributions $393,914Earned Revenue $459,008
Second Highest Funding Source & Dollar AmountGovt - Fed $5,548,680Earned Revenue $367,889Contributions $391,991
Third Highest Funding Source & Dollar AmountContributions $4,483,847Govt - Fed $26,082Govt - Fed $30,331
Endowment? Yes
Credit Line? Yes
Reserve Fund? Yes
Capital Campaign
Currently in a Capital Campaign? No
Comments on Financials
CEO/Executive Director/Board Comments

Foundation Staff Comments
All prior year financial information is from the IRS Form 990s.  However,in 2017 we used GreenPath, Inc.'s IRS Form 990, as CCCS could not provide us with their 2017 Audit or Form 990.  
Note 1: Due to recent purchase of CCCS, by Green Path, Inc. during fiscal year 2018, we have included their audited financials for fiscal years 2016 & 2017. As of 5.13.2019, we had not received CCCS Form 990 for 2017.
Note 2: In fiscal year 2017, a change in FV of Interest Rate Swap Agreement & Excess of Assets acquired over purchase price is listed on the Form 990, Part XI, Line 9.   This is listed as "Other" in the revenue section. 
Contributions may include foundations and corporations when the breakout was not available.
The financial information presented is obtained from the following sources: IRS Form 990, independent audit reports, financial statements – board approved when available, and supplemental information from the organization. We do not warrant or guarantee the timeliness, errors or inaccuracies. With respect to information regarding financial performance, nothing on this website should be interpreted as a statement or interpretation by OCCF staff.
Organizations with a GiveSmartOKC profile are responsible for updating information annually within 45 days following the end of their fiscal year.
Address 4045 NW 64th Street
Suite 430
Oklahoma City, OK 73116
Primary Phone 888 7766735
Contact Email
Give to Endowment
CEO/Executive Director Kristen L Holt
Board Chair Jane Sydlowski
Board Chair Company Affiliation AMI Strategies