Civic Intelligence

Consumer Credit Counseling Foundation Inc.

990 • Fiscal year 2023 • EIN 04-3638828

Jan 01, 2023 to Dec 31, 2023 • Filed on Nov 07, 2024

Organization ProfileWWW.CCCFUSA.ORG
2150 Portola Ave D 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

88th percentile

0.67x

Higher debt load relative to assets than 88% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Liabilities / Revenue

78th percentile

0.43x

Higher debt load relative to revenue than 78% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Net Margin

30th percentile

-4.7%

Higher net margin than 30% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

85th percentile

$159,994

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 6.5% of source-year revenue.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Asset Growth

57th percentile

7.4%

Faster asset growth than 57% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

91st percentile

102%

Faster revenue growth than 91% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$1,584,820

Up $108,978 (+7.4%) from 2022

Net Assets

Down

$522,674

Down $41,592 (-7.4%) from 2022

Liabilities

Up

$1,062,146

Up $150,570 (+17%) from 2022

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin30th percentile

Revenue

Up

$2,478,629

Up $1,250,757 (+102%) from 2022

Expenses

Up

$2,595,221

Up $1,024,220 (+65%) from 2022

Net Income

Up

-$116,592

Up $226,537 (+66%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth57th 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

2023

Assets$1,584,820
Liabilities$1,062,146
Net Assets$522,674
Open 2023 Filing

Operations Trend

Revenue Growth91st 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

2023

Revenue$2,478,629
Expenses$2,595,221
Net Income-$116,592
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 7, 2024
Return Version
2023v5.0
Gross Receipts
$2,478,629
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$1,130,572$1,122,140▼ $8,432
Intangible Assets-$241,052-
Accounts Receivable$32,140$150,459▲ $118,319
Prepaid Expenses and Deferred Charges$33,576$42,615▲ $9,039
Pledges and Grants Receivable-$28,554-
Land, Buildings, and Equipment, Net$1,890--
Total Assets$1,475,842$1,584,820▲ $108,978
Other Assets Total$277,664--
Liabilities
Accounts Payable and Accrued Expenses$199,261$383,841▲ $184,580
Escrow Account Liability$211,523$292,778▲ $81,255
Other Liabilities$277,664$241,052▼ $36,612
Mortgage Notes Payable Secured by Investment Property$148,128$144,475▼ $3,653
Deferred Revenue$75,000--
Total Liabilities$911,576$1,062,146▲ $150,570
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$564,266$494,120▼ $70,146
Net Assets With Donor Restrictions-$28,554-
Total Net Assets Fund Balance$564,266$522,674▼ $41,592
Total Liabilities and Net Assets / Fund Balance$1,475,842$1,584,820▲ $108,978

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$96,525$96,525
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Porus EngineerManagerFT$152,721$7,273$159,994

Board Members and Trustees

NameTitle
Tony JudgePresident
Aloke BhallaDirector
Kulwant SranDirector
Sandeep BhasinDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Faravahar INCMarketing4367 CHAUCER CT, Lievermore, CA 94551$204,946
Revenue and Support

Revenue Composition

Contributions and Grants
$337,632
Program Service Revenue
$2,140,997
Investment Income
$0
Other Revenue
$0
All Other Contributions
$337,632
Change in Net Assets
$-116,592

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,478,629
Total Revenue per Audited Statements
$2,478,629
Total Revenue per Form 990
$2,478,629
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,410,964
Other Expenses$1,184,257
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,230,966$25,122-$1,256,088
Advertising$739,897--$739,897
Payroll Taxes$98,430$2,009-$100,439
Fees for Services Other$63,503$11,793-$75,296
Occupancy$67,204$1,372-$68,576
Other Employee Benefits$32,763$669-$33,432
Insurance$29,396$600-$29,996
Pension Plan Contributions$20,585$420-$21,005
All Other Expenses$832$17,991-$18,823
Other Expenses$17,332$354-$17,686
Information Technology$11,360$232-$11,592
Office Expenses$5,895$120-$6,015
Interest-$4,039-$4,039
Depreciation Depletion$1,852$38-$1,890
Total Functional Expenses$2,530,462$64,759$0$2,595,221

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,595,221
Total Expenses per Audited Statements$2,595,221
Total Expenses per Form 990$2,595,221
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$241,052
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, 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
President
Phone
8006566207
Signed
2024-11-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Porus Engineer
Formed
2002
Legal Domicile
CA
Voting Board Members
4
Independent Board Members
4
Employees
40
Volunteers
4

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

Additional Explanations

Form 990, Part XI, Line 9

“The 2022 net assets were restated in the amount of 75,000 to properly reflect an unconditional grant from creditors in the correct accounting period which was incorrectly reflected as a refundable advance. The change in net assets for the year ended 2022 increased by 75,000 after the restatement. Such restatement did not have an impact on the 2023 financial statements. Additionally, a reclassification was made to net assets with donor restrictions and net assets without donor restriction in the amount of 10,850.”

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.”

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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
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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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 2022 NET ASSETS WERE RESTATED IN THE AMOUNT OF 75,000 TO PROPERLY REFLECT AN UNCONDITIONAL GRANT FROM CREDITORS IN THE CORRECT ACCOUNTING PERIOD WHICH WAS INCORRECTLY REFLECTED AS A REFUNDABLE ADVANCE. THE CHANGE IN NET ASSETS FOR THE YEAR ENDED 2022 INCREASED BY 75,000 AFTER THE RESTATEMENT. SUCH RESTATEMENT DID NOT HAVE AN IMPACT ON THE 2023 FINANCIAL STATEMENTS. ADDITIONALLY, A RECLASSIFICATION WAS MADE TO NET ASSETS WITH DONOR RESTRICTIONS AND NET ASSETS WITHOUT DONOR RESTRICTION IN THE AMOUNT OF 10,850.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010303 E DRY CREEK RD STE 400

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,584,820
Liabilities
$1,062,146
Net assets
$522,674
Revenue
$2,478,629
Expenses
$2,595,221
Net income
-$116,592
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