Civic Intelligence

Consumer Credit Counseling

EIN 04-3638828 • 501(c)3 • Livermore, CA

Profile

Mission statement attached

2150 Portola Ave D D-186Livermore, CA 94551

www.cccfusa.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

82nd percentile

0.48x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

66th percentile

0.21x

Higher debt load relative to revenue than 66% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

61st percentile

10%

Higher net margin than 61% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

79th percentile

20%

Faster asset growth than 79% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

90th percentile

82%

Faster revenue growth than 90% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$1,908,469

Up $323,649 (+20%) from 2023

Liabilities

Down

$923,011

Down $139,135 (-13%) from 2023

Net Assets

Up

$985,458

Up $462,784 (+89%) from 2023

Operations
Liabilities / Revenue66th percentileNet Margin61st percentile

Revenue

Up

$4,499,587

Up $2,020,958 (+82%) from 2023

Expenses

Up

$4,036,803

Up $1,441,582 (+56%) from 2023

Net Income

Up

$462,784

Up $579,376 (+497%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth79th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0M$1.5M$1.0M$500K$0Assets 2011: $19,995Liabilities 2011: $10,0002011Assets 2012: $44,913Liabilities 2012: $19,634Net Assets 2012: $25,2792012Assets 2013: $135,368Liabilities 2013: $64,209Net Assets 2013: $71,1592013Assets 2014: $248,663Liabilities 2014: $32,251Net Assets 2014: $216,4122014Assets 2015: $231,737Liabilities 2015: $13,772Net Assets 2015: $217,9652015Assets 2016: $297,002Liabilities 2016: $36,888Net Assets 2016: $260,1142016Assets 2017: $223,869Liabilities 2017: $31,483Net Assets 2017: $192,3862017Assets 2018: $168,641Liabilities 2018: $38,790Net Assets 2018: $129,8512018Assets 2019: $234,626Liabilities 2019: $20,940Net Assets 2019: $213,6862019Assets 2020: $713,188Liabilities 2020: $275,139Net Assets 2020: $438,0492020Assets 2021: $1,222,431Liabilities 2021: $315,036Net Assets 2021: $907,3952021Assets 2022: $1,475,842Liabilities 2022: $911,576Net Assets 2022: $564,2662022Assets 2023: $1,584,820Liabilities 2023: $1,062,146Net Assets 2023: $522,6742023Assets 2024: $1,908,469Liabilities 2024: $923,011Net Assets 2024: $985,4582024

Highlighted filing

2024

Assets$1,908,469
Liabilities$923,011
Net Assets$985,458
Open 2024 Filing

Operations Trend

Revenue Growth90th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2011: $16,484Expenses 2011: $10,236Net Income 2011: $6,2482011Revenue 2012: $253,355Expenses 2012: $238,071Net Income 2012: $15,2842012Revenue 2013: $882,901Expenses 2013: $837,021Net Income 2013: $45,8802013Revenue 2014: $1,210,071Expenses 2014: $1,064,818Net Income 2014: $145,2532014Revenue 2015: $826,814Expenses 2015: $825,261Net Income 2015: $1,5532015Revenue 2016: $813,018Expenses 2016: $770,869Net Income 2016: $42,1492016Revenue 2017: $754,805Expenses 2017: $822,533Net Income 2017: -$67,7282017Revenue 2018: $875,035Expenses 2018: $937,569Net Income 2018: -$62,5342018Revenue 2019: $698,006Expenses 2019: $614,171Net Income 2019: $83,8352019Revenue 2020: $1,228,883Expenses 2020: $1,004,520Net Income 2020: $224,3632020Revenue 2021: $1,541,681Expenses 2021: $1,072,335Net Income 2021: $469,3462021Revenue 2022: $1,227,872Expenses 2022: $1,571,001Net Income 2022: -$343,1292022Revenue 2023: $2,478,629Expenses 2023: $2,595,221Net Income 2023: -$116,5922023Revenue 2024: $4,499,587Expenses 2024: $4,036,803Net Income 2024: $462,7842024

Highlighted filing

2024

Revenue$4,499,587
Expenses$4,036,803
Net Income$462,784
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,908,469
Liabilities
$923,011
Net assets
$985,458
Revenue
$4,499,587
Expenses
$4,036,803
Net income
$462,784
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.91$0.92$0.99$4.50$4.04$0.46
2023Detailed filing. Detailed filing data is available for this year.$1.58$1.06$0.52$2.48$2.60$0.12
2022Detailed filing. Detailed filing data is available for this year.$1.48$0.91$0.56$1.23$1.57$0.34
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.22$0.32$0.91$1.54$1.07$0.47
2020Detailed filing. Detailed filing data is available for this year.$0.71$0.28$0.44$1.23$1.00$0.22
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.23$0.02$0.21$0.70$0.61$0.08
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.17$0.04$0.13$0.88$0.94$0.06
2017Detailed filing. Detailed filing data is available for this year.$0.22$0.03$0.19$0.75$0.82$0.07
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.30$0.04$0.26$0.81$0.77$0.04
2015Detailed filing. Detailed filing data is available for this year.$0.23$0.01$0.22$0.83$0.83$0.00
2014Detailed filing. Detailed filing data is available for this year.$0.25$0.03$0.22$1.21$1.06$0.15
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$0.14$0.06$0.07$0.88$0.84$0.05
2012Summary only. Only limited summary data is available for this year.$0.04$0.02$0.03$0.25$0.24$0.02
2011Summary only. Only limited summary data is available for this year.$0.02$0.01$0.02$0.01$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.0
Gross Receipts
$4,499,587
Mission and Program Overview

Mission

Mission statement attached

To provide free credit counseling and financial education to all people living under the pressures of debt, and to provide consumers in need with free or low-cost debt management services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,122,140$1,567,135▲ $444,995
Intangible Assets$241,052$186,821▼ $54,231
Accounts Receivable$150,459$84,897▼ $65,562
Pledges and Grants Receivable$28,554$36,021▲ $7,467
Prepaid Expenses and Deferred Charges$42,615$33,595▼ $9,020
Total Assets$1,584,820$1,908,469▲ $323,649
Liabilities
Accounts Payable and Accrued Expenses$383,841$489,436▲ $105,595
Other Liabilities$241,052$186,821▼ $54,231
Mortgage Notes Payable Secured by Investment Property$144,475$140,719▼ $3,756
Escrow Account Liability$292,778$106,035▼ $186,743
Total Liabilities$1,062,146$923,011▼ $139,135
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$494,120$949,437▲ $455,317
Net Assets With Donor Restrictions$28,554$36,021▲ $7,467
Total Net Assets Fund Balance$522,674$985,458▲ $462,784
Total Liabilities and Net Assets / Fund Balance$1,584,820$1,908,469▲ $323,649

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$96,525$96,525
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Porus EngineerPres, Treas,FT$161,619$21,396$183,015
Porus EngineerPres, Treas, Sec-$161,619$21,396$183,015
Reginald SternbergManagerFT$124,894$4,996$129,890

Board Members and Trustees

NameTitle
Hardip SinghDirector
Jaime WongDirector
Raj BarmanDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$521,519
Program Service Revenue
$3,978,068
Investment Income
$0
Other Revenue
$0
All Other Contributions
$521,519
Change in Net Assets
$462,784

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,499,587
Total Revenue per Audited Statements
$4,499,587
Total Revenue per Form 990
$4,499,587
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,309,194
Salaries, Compensation, and Employee Benefits$1,727,609
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,349,347$30,843-$1,380,190
Advertising$1,248,015--$1,248,015
Current Officers, Directors, Trustees, and Key Employees$183,354--$183,354
Fees for Services Other$38,068$128,457-$166,525
Payroll Taxes$108,645$2,217-$110,862
Occupancy$63,896$1,304-$65,200
All Other Expenses$24,037$15,790-$39,827
Other Employee Benefits$35,801$1,035-$36,836
Insurance$27,535$562-$28,097
Other Expenses$13,251$13,454-$26,705
Office Expenses$23,464$479-$23,943
Information Technology$19,876$406-$20,282
Pension Plan Contributions$15,910$457-$16,367
Interest-$3,936-$3,936
Total Functional Expenses$3,837,863$198,940$0$4,036,803

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,036,803
Total Expenses per Audited Statements$4,036,803
Total Expenses per Form 990$4,036,803
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Operating Lease Liabilities$186,821
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“Form 990 will be reviewed by governing body.”

Form 990, Page 6, Part VI, Line 12C

“The organization maintains a quality control system.”

Form 990, Page 6, Part VI, Line 19

“Documents available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Consumer Credit Counseling
EIN
04-3638828
Phone
8006566207
Address
2150 PORTOLA AVE D D-186, LIVERMORE, CA 94551

Signing Officer

Name
Porus Engineer
Title
Pres, Treas, Sec
Phone
8006566207
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Porus Engineer
Formed
2002
Legal Domicile
CA
Voting Board Members
4
Independent Board Members
3
Employees
61
Volunteers
3

Preparer

Firm
Jds Professional Group
Address
10303 E DRY CREEK RD STE 400, ENGLEWOOD, CO 80112
Preparer
Lori B Bauer CPA
Phone
3037710123
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“The agency maintains a separate trust bank account to hold and disburse custodial client funds to creditors.”

Schedule D, Page 3, Part X

“Management believes that the agency has appropriate support for any tax positions taken affecting its annual filing requirements, and as such, does not have any uncertain tax positions that are material to the financial statements. The agency would recognize future accrued interest and penalties related to unrecognized tax benefits and liabilities in income tax expense if such interest and penalties are incurred.”

Raw XML AppendixShowing 400 of 401 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0THE ORGANIZATION
IRS990/BooksInCareOfDetail/PhoneNum08006566207
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02150 PORTOLA AVE D-186
IRS990/BooksInCareOfDetail/USAddress/CityNm0LIVERMORE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd094551
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IRS990/BusinessRlnWithFamMemInd0false
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IRS990/CashNonInterestBearingGrp/BOYAmt01122140
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IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
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IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04499587
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0TO PROVIDE FREE FINANCIAL EDUCATION AND COUNSELING SERVICES, LOW-COST DEBT MANAGEMENT PROGRAM SERVICES, AND FREE COMMUNITY SERVICES INCLUDING COMMUNITY SEMINARS; OUTREACH TO LOW-INCOME AND MARGINALIZED INDIVIDUALS AND FAMILIES; OUTREACH TO UNDERSERVED LATINO COMMUNITIES, LOW-INCOME AND IMMIGRANT SENIORS, AND OTHER SENIORS.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
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IRS990/DonorRestrictionNetAssetsGrp/EOYAmt036021
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt061
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountLiabilityGrp/BOYAmt0292778
IRS990/EscrowAccountLiabilityGrp/EOYAmt0106035
IRS990/ExpenseAmt03837863
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt0128457
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt038068
IRS990/FeesForServicesOtherGrp/TotalAmt0166525
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt110.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt440.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt021396
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IRS990/Form990PartVIISectionAGrp/PersonNm0PORUS ENGINEER
IRS990/Form990PartVIISectionAGrp/PersonNm1JAIME WONG
IRS990/Form990PartVIISectionAGrp/PersonNm2RAJ BARMAN
IRS990/Form990PartVIISectionAGrp/PersonNm3HARDIP SINGH
IRS990/Form990PartVIISectionAGrp/PersonNm4REGINALD STERNBERG
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRES, TREAS,
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4MANAGER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr02002
IRS990/FormerOfcrEmployeesListedInd0false
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IRS990/FSAuditedInd0true
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IRS990/GrantsToIndividualsInd0false
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IRS990/GrantToRelatedPersonInd0false
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IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
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IRS990/IRPDocumentCnt01
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IRS990/OtherExpensesGrp/Desc1BANK CHARGES
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OPERATING LEASE LIABILITIES
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE AGENCY MAINTAINS A SEPARATE TRUST BANK ACCOUNT TO HOLD AND DISBURSE CUSTODIAL CLIENT FUNDS TO CREDITORS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1MANAGEMENT BELIEVES THAT THE AGENCY HAS APPROPRIATE SUPPORT FOR ANY TAX POSITIONS TAKEN AFFECTING ITS ANNUAL FILING REQUIREMENTS, AND AS SUCH, DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS THAT ARE MATERIAL TO THE FINANCIAL STATEMENTS. THE AGENCY WOULD RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AND LIABILITIES IN INCOME TAX EXPENSE IF SUCH INTEREST AND PENALTIES ARE INCURRED.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 WILL BE REVIEWED BY GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION MAINTAINS A QUALITY CONTROL SYSTEM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0PORUS ENGINEER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRES, TREAS, SEC
ReturnHeader/BusinessOfficerGrp/PhoneNum08006566207
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CONSUMER CREDIT COUNSELING
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0FOUNDATION INC
ReturnHeader/Filer/BusinessNameControlTxt0CONS
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ReturnHeader/Filer/PhoneNum08006566207
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0208019714
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JDS PROFESSIONAL GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010303 E DRY CREEK RD STE 400
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ENGLEWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd080112
ReturnHeader/PreparerPersonGrp/PhoneNum03037710123
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LORI B BAUER CPA
ReturnHeader/ReturnTs02025-11-17T14:29:15-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31

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