Civic Intelligence

Allen Credit and Debt Counseling Agency

990 • Fiscal year 2014 • EIN 20-3413292

Jul 01, 2013 to Jun 30, 2014 • Filed on Dec 31, 2014

Organization ProfileWWW.ACDCAS.COM
PO Box 19557381

(605) 458-2508

Siviq Scores

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

Liabilities / Assets

95th percentile

1.24x

Higher debt load relative to assets than 95% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

78th percentile

0.56x

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

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Net Margin

63rd percentile

7.4%

Higher net margin than 63% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

34th percentile

$0

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Asset Growth

75th percentile

13%

Faster asset growth than 75% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

80th percentile

28%

Faster revenue growth than 80% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2012 to 2014

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$549,075

Up $64,332 (+13%) from 2013

Net Assets

Up

-$130,162

Up $89,147 (+41%) from 2013

Liabilities

Down

$679,237

Down $24,815 (-3.5%) from 2013

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin63rd percentile

Revenue

$1,203,789

No earlier filing loaded for comparison.

Expenses

Up

$1,114,642

Up $92,296 (+9.0%) from 2013

Net Income

$89,147

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth75th percentile

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

$1.0M$500K$0-$500KAssets 2011: $629,911Liabilities 2011: $813,261Net Assets 2011: -$183,3502011Assets 2012: $583,413Liabilities 2012: $866,316Net Assets 2012: -$282,9032012Assets 2013: $484,743Liabilities 2013: $704,052Net Assets 2013: -$219,3092013Assets 2014: $549,075Liabilities 2014: $679,237Net Assets 2014: -$130,1622014Assets 2015: $551,449Liabilities 2015: $596,029Net Assets 2015: -$44,5802015Assets 2016: $599,478Liabilities 2016: $576,794Net Assets 2016: $22,6842016Assets 2017: $559,042Liabilities 2017: $632,963Net Assets 2017: -$73,9212017Assets 2018: $472,360Liabilities 2018: $584,209Net Assets 2018: -$111,8492018Assets 2019: $449,742Liabilities 2019: $538,752Net Assets 2019: -$89,0102019Assets 2020: $482,284Liabilities 2020: $462,730Net Assets 2020: $19,5542020Assets 2021: $408,689Liabilities 2021: $285,196Net Assets 2021: $123,4932021Assets 2022: $413,969Liabilities 2022: $296,885Net Assets 2022: $117,0842022Assets 2024: $350,779Liabilities 2024: $233,957Net Assets 2024: $116,8222024

Highlighted filing

2014

Assets$549,075
Liabilities$679,237
Net Assets-$130,162
Open 2014 Filing

Operations Trend

Revenue Growth80th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KRevenue 2011: $1,165,592Expenses 2011: $1,142,063Net Income 2011: $23,5292011Revenue 2012: $734,323Expenses 2012: $833,876Net Income 2012: -$99,5532012Expenses 2013: $1,022,3462013Revenue 2014: $1,203,789Expenses 2014: $1,114,642Net Income 2014: $89,1472014Revenue 2015: $1,112,519Expenses 2015: $1,026,937Net Income 2015: $85,5822015Revenue 2016: $1,263,624Expenses 2016: $1,196,360Net Income 2016: $67,2642016Revenue 2017: $1,221,756Expenses 2017: $1,318,361Net Income 2017: -$96,6052017Revenue 2018: $1,243,430Expenses 2018: $1,281,358Net Income 2018: -$37,9282018Revenue 2019: $1,344,910Expenses 2019: $1,322,071Net Income 2019: $22,8392019Revenue 2020: $1,373,883Expenses 2020: $1,265,319Net Income 2020: $108,5642020Revenue 2021: $1,340,879Expenses 2021: $1,236,940Net Income 2021: $103,9392021Revenue 2022: $889,078Expenses 2022: $895,487Net Income 2022: -$6,4092022Revenue 2024: $1,082,015Expenses 2024: $1,066,535Net Income 2024: $15,4802024

Highlighted filing

2014

Revenue$1,203,789
Expenses$1,114,642
Net Income$89,147
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2013 to Jun 30, 2014
Signed
Dec 31, 2014
Return Version
2013v4.0
Gross Receipts
$1,203,789
Mission and Program Overview

Mission

Consumer credit counseling & low income housing

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$257,079$325,477▲ $68,398
Intangible Assets$14,400$60,800▲ $46,400
Accounts Receivable$38,198--
Loans From Officers Directors$16,927$35,000▲ $18,073
Savings and Temporary Cash Investments$31,768$28,985▼ $2,783
Cash and Non-Interest-Bearing Accounts$30,837$20,102▼ $10,735
Total Assets$484,743$549,075▲ $64,332
Other Assets Total$112,461$113,711▲ $1,250
Liabilities
Mortgage Notes Payable Secured by Investment Property$579,295$523,660▼ $55,635
Other Liabilities$69,260$69,260→ $0
Accounts Payable and Accrued Expenses$38,570$51,317▲ $12,747
Total Liabilities$704,052$679,237▼ $24,815
Net Assets / Fund Balance
Unrestricted Net Assets$-219,309$-130,162▲ $89,147
Total Net Assets Fund Balance$-219,309$-130,162▲ $89,147
Total Liabilities and Net Assets / Fund Balance$484,743$549,075▲ $64,332

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$28,044$297,039$325,083
Buildings$241,826$29,149$270,975
Leasehold Improvements$43,187$96,714$139,901
Land$11,250-$11,250
Other Land Buildings$1,170$2,791$3,961
Other Assets Org$113,711--
Compensation and Service Providers
Top Officer Pay34th percentile

Board Members and Trustees

NameTitle
David StruckPresident
Bret KahreDirector
Lud HolmDirector
Rita MatthewsSec/treasure
Mike VopelVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,042,223
Investment Income
$24
Other Revenue
$161,542
Change in Net Assets
$89,147

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,203,789
Total Revenue per Audited Statements
$1,203,789
Total Revenue per Form 990
$1,203,789
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$742,631
Salaries, Compensation, and Employee Benefits$372,011
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$199,695--$199,695
Current Officers, Directors, Trustees, and Key Employees-$136,634-$136,634
Travel$52,111$29,131-$81,242
Depreciation Depletion$61,082$11,451-$72,533
Occupancy$32,693$19,249-$51,942
Payroll Taxes$22,887$12,795-$35,682
Advertising$21,164$11,831-$32,995
Other Expenses$19,341$10,812-$30,153
Interest$19,181$10,722-$29,903
Insurance$14,203$7,940-$22,143
All Other Expenses$5,406$15,997-$21,403
Office Expenses$11,647$6,511-$18,158
Fees for Services Accounting$5,022$1,967-$6,989
Fees for Services Legal-$840-$840
Total Functional Expenses$817,962$296,680$0$1,114,642

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,114,642
Total Expenses per Audited Statements$1,114,642
Total Expenses per Form 990$1,114,642
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Mustang Group LLCOwnersReimbursed ExpensesNo-

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$16,927$35,000▲ $18,073
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Interest$49,078
Usda Reserve$20,000
Rent Deposit$182
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
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

“Ceo and the cfo will review.”

Form 990, Page 6, Part VI, Line 19

“Upon request, the organization will provide the documentation by either sending copies or providing the documentation at the organization's site for review.”

Filing and Contact Details

Filer

EIN
20-3413292

Signing Officer

Name
Glenn Jungemann
Title
CEO
Signed
2014-12-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Glenn Jungemann
Formed
2005
Legal Domicile
Sd
Voting Board Members
5
Independent Board Members
5
Employees
12

Preparer

Preparer
Lisa Boomsma
Phone
6053531040
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IRS990ScheduleA/PublicSupportCY509Pct00.91430
IRS990ScheduleA/PublicSupportPY509Pct00.94850
IRS990ScheduleA/PublicSupportTotal509Amt05531931
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt01042946
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0807988
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0572232
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt01161509
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt01947256
IRS990ScheduleA/Total509Grp/TotalAmt05531931
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt01203789
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt01050569
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0683182
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt01165592
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt01947296
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt06050428
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0241826
IRS990ScheduleD/BuildingsGrp/DepreciationAmt029149
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0270975
IRS990ScheduleD/EquipmentGrp/BookValueAmt028044
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0297039
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0325083
IRS990ScheduleD/ExpensesSubtotalAmt01114642
IRS990ScheduleD/LandGrp/BookValueAmt011250
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt011250
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt043187
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt096714
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0139901
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0113711
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0SOFTWARE DEVELOPMENT
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01170
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt02791
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt03961
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt049078
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt120000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2182
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED INTEREST
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1USDA RESERVE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2RENT DEPOSIT
IRS990ScheduleD/RevenueSubtotalAmt01203789
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0325477
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0113711
IRS990ScheduleD/TotalExpensesPerForm990Amt01114642
IRS990ScheduleD/TotalLiabilityAmt069260
IRS990ScheduleD/TotalRevenuePerForm990Amt01203789
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01203789
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01114642
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0MUSTANG GROUP LLC
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0OWNERS
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0REIMBURSED EXPENSES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt035000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0WORKING CAPITAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt040000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JUDI WOOD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0false
IRS990ScheduleL/TotalBalanceDueAmt035000
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CEO AND THE CFO WILL REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1UPON REQUEST, THE ORGANIZATION WILL PROVIDE THE DOCUMENTATION BY EITHER SENDING COPIES OR PROVIDING THE DOCUMENTATION AT THE ORGANIZATION'S SITE FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/StatesWhereCopyOfReturnIsFldCd1OR
IRS990/StatesWhereCopyOfReturnIsFldCd2IL
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0484743
IRS990/TotalAssetsEOYAmt0549075
IRS990/TotalAssetsGrp/BOYAmt0484743
IRS990/TotalAssetsGrp/EOYAmt0549075
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0296680
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0817962
IRS990/TotalFunctionalExpensesGrp/TotalAmt01114642
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0704052
IRS990/TotalLiabilitiesEOYAmt0679237
IRS990/TotalLiabilitiesGrp/BOYAmt0704052
IRS990/TotalLiabilitiesGrp/EOYAmt0679237
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-219309
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-130162
IRS990/TotalProgramServiceExpensesAmt0817962
IRS990/TotalProgramServiceRevenueAmt01042223
IRS990/TotalRevenueGrp/ExclusionAmt0160843
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01042946
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01203789
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0484743
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0549075
IRS990/TravelGrp/ManagementAndGeneralAmt029131
IRS990/TravelGrp/ProgramServicesAmt052111
IRS990/TravelGrp/TotalAmt081242
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0-219309
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0-130162
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10PO BOX 195
IRS990/USAddress/City0WESSINGTON
IRS990/USAddress/State0SD
IRS990/USAddress/ZIPCode057381
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.ACDCAS.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0GLENN JUNGEMANN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-12-31
ReturnHeader/Filer/BusinessName/BusinessNameLine10ALLEN CREDIT AND DEBT COUNSELING
ReturnHeader/Filer/BusinessName/BusinessNameLine20AGENCY
ReturnHeader/Filer/BusinessNameControlTxt0ALLE
ReturnHeader/Filer/EIN0203413292
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 195
ReturnHeader/Filer/USAddress/City0WESSINGTON
ReturnHeader/Filer/USAddress/State0SD
ReturnHeader/Filer/USAddress/ZIPCode057381
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0421571637
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10L BOOMSMA CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101500 DAKOTA AVE S
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0HURON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0SD

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$549,075
Liabilities
$679,237
Net assets
-$130,162
Revenue
$1,203,789
Expenses
$1,114,642
Net income
$89,147
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.35$0.23$0.12$1.08$1.07$0.02
2022Summary only. Only limited summary data is available for this year.$0.41$0.30$0.12$0.89$0.90$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.41$0.29$0.12$1.34$1.24$0.10
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.48$0.46$0.02$1.37$1.27$0.11
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.45$0.54$0.09$1.34$1.32$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.47$0.58$0.11$1.24$1.28$0.04
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.56$0.63$0.07$1.22$1.32$0.10
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.60$0.58$0.02$1.26$1.20$0.07
2015Detailed filing. Detailed filing data is available for this year.$0.55$0.60$0.04$1.11$1.03$0.09
2014Detailed filing. Detailed filing data is available for this year.$0.55$0.68$0.13$1.20$1.11$0.09
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.48$0.70$0.22$1.02
2012Summary only. Only limited summary data is available for this year.$0.58$0.87$0.28$0.73$0.83$0.10
2011Summary only. Only limited summary data is available for this year.$0.63$0.81$0.18$1.17$1.14$0.02