Civic Intelligence

Consumer Credit Counseling Foundation Inc.

990 • Fiscal year 2021 • EIN 04-3638828

Jan 01, 2021 to Dec 31, 2021 • Filed on Oct 07, 2022

Organization ProfileWWW.CCCFUSA.ORG
2150 Portola Ave D-186Livermore, CA 94551

(800) 656-6207

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

72nd percentile

0.26x

Higher debt load relative to assets than 72% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

65th percentile

0.20x

Higher debt load relative to revenue than 65% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Net Margin

74th percentile

30%

Higher net margin than 74% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

85th percentile

$155,040

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 10.1% of source-year revenue.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Asset Growth

90th percentile

71%

Faster asset growth than 90% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

63rd percentile

25%

Faster revenue growth than 63% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$1,222,431

Up $509,243 (+71%) from 2020

Net Assets

Up

$907,395

Up $469,346 (+107%) from 2020

Liabilities

Up

$315,036

Up $39,897 (+15%) from 2020

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin74th percentile

Revenue

Up

$1,541,681

Up $312,798 (+25%) from 2020

Expenses

Up

$1,072,335

Up $67,815 (+6.8%) from 2020

Net Income

Up

$469,346

Up $244,983 (+109%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth90th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2021

Assets$1,222,431
Liabilities$315,036
Net Assets$907,395
Open 2021 Filing

Operations Trend

Revenue Growth63rd percentile

Revenue, expenses, and net income across loaded years, with this 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

2021

Revenue$1,541,681
Expenses$1,072,335
Net Income$469,346
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Oct 7, 2022
Return Version
2021v4.2
Gross Receipts
$1,541,681
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$663,457$913,534▲ $250,077
Accounts Receivable$27,508$288,634▲ $261,126
Prepaid Expenses and Deferred Charges$14,667$15,540▲ $873
Land, Buildings, and Equipment, Net$7,556$4,723▼ $2,833
Total Assets$713,188$1,222,431▲ $509,243
Liabilities
Mortgage Notes Payable Secured by Investment Property$201,746$150,000▼ $51,746
Escrow Account Liability-$90,570-
Accounts Payable and Accrued Expenses$32,357$74,466▲ $42,109
Other Liabilities$41,036$0▼ $41,036
Total Liabilities$275,139$315,036▲ $39,897
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$438,049$907,395▲ $469,346
Total Net Assets Fund Balance$438,049$907,395▲ $469,346
Total Liabilities and Net Assets / Fund Balance$713,188$1,222,431▲ $509,243

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,723$91,802$96,525
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Porus EngineerManagerFT$153,000$2,040$155,040

Board Members and Trustees

NameTitle
Tony JudgePresident, Treasurer, Secr
Aloke BhallaDirector
Kulwant SranDirector
Sandeep BhasinDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$448,897
Program Service Revenue
$1,092,784
Investment Income
$0
Other Revenue
$0
All Other Contributions
$151,759
Change in Net Assets
$469,346

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,541,681
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,541,681
Total Revenue per Form 990
$1,541,681
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$627,647
Other Expenses$444,688
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$604,515--$604,515
Advertising$143,629--$143,629
All Other Expenses$40,302$27,183-$67,485
Occupancy$51,030$5,670-$56,700
Insurance$22,288$2,477-$24,765
Other Employee Benefits$18,274$4,858-$23,132
Other Expenses$21,472$2,151-$21,472
Fees for Services Accounting$5,617$2,408-$8,025
Office Expenses$5,521$614-$6,135
Interest$3,716$413-$4,129
Depreciation Depletion$2,550$283-$2,833
Information Technology$1,872$208-$2,080
Total Functional Expenses$1,017,477$54,858$0$1,072,335

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,072,335
Total Expenses per Audited Statements$1,072,335
Total Expenses per Form 990$1,072,335
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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, Part VI, Section B, Line 11B

“Form 990 will be reviewed by governing body”

Form 990, Part VI, Section B, Line 12C

“The organization maintains a quality control system”

Form 990, Part VI, Section C, 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-186, LIVERMORE, CA 94551

Signing Officer

Name
Tony Judge
Title
President
Phone
8006566207
Signed
2022-10-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tony Judge
Formed
2002
Legal Domicile
CA
Voting Board Members
4
Independent Board Members
4
Employees
36
Volunteers
0

Preparer

Firm
Brady Martz & Associates Pc
Address
PO BOX 848, MINOT, ND 58702-0848
Preparer
Tory J Hill CPA
Phone
7018520196
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

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

PART X, LINE 2:

“The agencys policy is to evaluate the likelihood that its uncertain tax positions will prevail upon examination based on the extent to which those positions have substantial support within the internal revenue code and regulations, revenue, rulings, court decisions, and other evidence. It is the opinion of management that the agency has no significant uncertain tax positions that would be subject to change upon examination. The federal income tax returns of the agency are subject to examination by the irs, generally for three years after they were filed.”

Raw XML AppendixShowing 400 of 418 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.

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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0754805
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IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
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IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt04723
IRS990ScheduleD/EquipmentGrp/DepreciationAmt091802
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt096525
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt01072335
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01541681
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE AGENCY MAINTAINS A SEPARATE TRUST BANK ACCOUNT TO HOLD AND DISBURSE CUSTODIAL CLIENT FUNDS TO CREDITORS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE AGENCYS POLICY IS TO EVALUATE THE LIKELIHOOD THAT ITS UNCERTAIN TAX POSITIONS WILL PREVAIL UPON EXAMINATION BASED ON THE EXTENT TO WHICH THOSE POSITIONS HAVE SUBSTANTIAL SUPPORT WITHIN THE INTERNAL REVENUE CODE AND REGULATIONS, REVENUE, RULINGS, COURT DECISIONS, AND OTHER EVIDENCE. IT IS THE OPINION OF MANAGEMENT THAT THE AGENCY HAS NO SIGNIFICANT UNCERTAIN TAX POSITIONS THAT WOULD BE SUBJECT TO CHANGE UPON EXAMINATION. THE FEDERAL INCOME TAX RETURNS OF THE AGENCY ARE SUBJECT TO EXAMINATION BY THE IRS, GENERALLY FOR THREE YEARS AFTER THEY WERE FILED.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
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IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PORUS ENGINEER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0MANAGER
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
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IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
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IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
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IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
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IRS990/UponRequestInd0X
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IRS990/USAddress/ZIPCd094551
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IRS990/VotingMembersIndependentCnt04
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IRS990/WhistleblowerPolicyInd01
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ReturnHeader/Filer/BusinessNameControlTxt0CONS
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,222,431
Liabilities
$315,036
Net assets
$907,395
Revenue
$1,541,681
Expenses
$1,072,335
Net income
$469,346
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
2021Detailed filing. Detailed filing data is available for this year.$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