Civic Intelligence

Allen Credit and Debt Counseling Agency

990 • Fiscal year 2018 • EIN 20-3413292

Jul 01, 2017 to Jun 30, 2018 • Filed on Nov 28, 2018

Organization ProfileWWW.ACDCAS.COM
20003 387th AveWolsey, SD 57384

(605) 301-4885

Siviq Scores

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

Liabilities / Assets

94th percentile

1.24x

Higher debt load relative to assets than 94% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

77th percentile

0.47x

Higher debt load relative to revenue than 77% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Net Margin

31st percentile

-3.1%

Higher net margin than 31% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

88th percentile

$186,780

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 15.0% of source-year revenue.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Asset Growth

9th percentile

-16%

Faster asset growth than 9% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

45th percentile

1.8%

Faster revenue growth than 45% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets94th percentile

Assets

Down

$472,360

Down $86,682 (-16%) from 2017

Net Assets

Down

-$111,849

Down $37,928 (-51%) from 2017

Liabilities

Down

$584,209

Down $48,754 (-7.7%) from 2017

Revenue And Expenses
Liabilities / Revenue77th percentileNet Margin31st percentile

Revenue

Up

$1,243,430

Up $21,674 (+1.8%) from 2017

Expenses

Down

$1,281,358

Down $37,003 (-2.8%) from 2017

Net Income

Up

-$37,928

Up $58,677 (+61%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth9th 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

2018

Assets$472,360
Liabilities$584,209
Net Assets-$111,849
Open 2018 Filing

Operations Trend

Revenue Growth45th 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

2018

Revenue$1,243,430
Expenses$1,281,358
Net Income-$37,928
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2017 to Jun 30, 2018
Signed
Nov 28, 2018
Return Version
2017v2.3
Gross Receipts
$1,251,554
Mission and Program Overview

Mission

Consumer credit counseling & low income housing

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$408,614$366,101▼ $42,513
Intangible Assets$50,000$50,000→ $0
Loans From Officers Directors$53,286$43,618▼ $9,668
Savings and Temporary Cash Investments$30,208$30,272▲ $64
Accounts Receivable$48,361$13,101▼ $35,260
Cash and Non-Interest-Bearing Accounts$21,859$12,886▼ $8,973
Total Assets$559,042$472,360▼ $86,682
Liabilities
Mortgage Notes Payable Secured by Investment Property$420,533$363,327▼ $57,206
Accounts Payable and Accrued Expenses$89,636$108,238▲ $18,602
Other Liabilities$69,508$69,026▼ $482
Total Liabilities$632,963$584,209▼ $48,754
Net Assets / Fund Balance
Unrestricted Net Assets$-73,921$-111,849▼ $37,928
Total Net Assets Fund Balance$-73,921$-111,849▼ $37,928
Total Liabilities and Net Assets / Fund Balance$559,042$472,360▼ $86,682

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$20,386$323,738$344,124
Buildings$149,481$190,413$339,894
Leasehold Improvements$71,273$49,189$120,462
Other Land Buildings$113,711-$113,711
Land$11,250-$11,250
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Glenn JungemannCEOFT$186,780$186,780
Mary Liz StotzCOOPT$63,746$63,746

Board Members and Trustees

NameTitle
David StruckPresident
Joel PrybilDirector
Mike VaupelVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,241,846
Investment Income
$105
Other Revenue
$1,479
Change in Net Assets
$-37,928

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,243,430
Total Revenue per Audited Statements
$1,243,430
Total Revenue per Form 990
$1,243,430
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$697,755
Other Expenses$583,603
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$388,417--$388,417
Current Officers, Directors, Trustees, and Key Employees-$262,824-$262,824
Occupancy$54,053$29,106-$83,159
Conferences and Meetings$42,157$22,700-$64,857
Payroll Taxes$27,174$19,340-$46,514
Information Technology$28,389$15,286-$43,675
Office Expenses$27,473$14,793-$42,266
Insurance$27,049$14,565-$41,614
Advertising$26,899$14,484-$41,383
Depreciation Depletion$29,418$8,971-$38,389
Interest$9,826$5,291-$15,117
Fees for Services Accounting$6,426$3,460-$9,886
Other Expenses$6,369$3,430-$9,799
All Other Expenses$836$450-$1,286
Total Functional Expenses$842,550$438,808$0$1,281,358

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,281,358
Total Expenses per Audited Statements$1,281,358
Total Expenses per Form 990$1,281,358
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

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$53,286$43,618▼ $9,668
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Interest$49,026
Reserve - Usda$20,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
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 coo review a draft copy of the form 990 prior to its submission.”

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

Filer Name
Allen Credit and Debt Counseling
EIN
20-3413292
Phone
6053014885
Address
20003 387TH AVE, WOLSEY, SD 57384

Signing Officer

Name
David Struck
Title
President
Phone
6053504724
Signed
2018-11-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Glenn Jungemann
Formed
2005
Legal Domicile
Sd
Voting Board Members
3
Independent Board Members
3
Employees
22

Preparer

Firm
Elo Prof LLC
Address
PO BOX 951, HURON, SD 57350
Preparer
Lucas Hauert CPA
Phone
6053528573
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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/InvestmentIncomeAndUBTIGrp/TotalAmt0160846
IRS990ScheduleA/InvestmentIncomeCYPct00.03000
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IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt01263624
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt01112516
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt01042946
IRS990ScheduleA/Total509Grp/TotalAmt05879833
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt01243325
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt01217422
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt01263624
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt01112519
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt01203789
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt06040679
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0149481
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0190413
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0339894
IRS990ScheduleD/EquipmentGrp/BookValueAmt020386
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0323738
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0344124
IRS990ScheduleD/ExpensesSubtotalAmt01281358
IRS990ScheduleD/LandGrp/BookValueAmt011250
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt011250
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt071273
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt049189
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0120462
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0113711
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0113711
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt049026
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt120000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED INTEREST
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1RESERVE - USDA
IRS990ScheduleD/RevenueSubtotalAmt01243430
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0366101
IRS990ScheduleD/TotalExpensesPerForm990Amt01281358
IRS990ScheduleD/TotalLiabilityAmt069026
IRS990ScheduleD/TotalRevenuePerForm990Amt01243430
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01243430
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01281358
IRS990ScheduleJ/AnyNonFixedPaymentsInd0false
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0186780
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IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt035000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt18618
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0OPERATIONS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1OPERATIONS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt040000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt115000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JUDITH WOOD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1MARY LIZ STOTZ
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0FORMER OFFICER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1COO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1false
IRS990ScheduleL/TotalBalanceDueAmt043618
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CEO AND COO REVIEW A DRAFT COPY OF THE FORM 990 PRIOR TO ITS SUBMISSION.
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.
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IRS990/TerminateOperationsInd0false
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IRS990/TotalEmployeeCnt022
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0438808
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0842550
IRS990/TotalFunctionalExpensesGrp/TotalAmt01281358
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0632963
IRS990/TotalLiabilitiesEOYAmt0584209
IRS990/TotalLiabilitiesGrp/BOYAmt0632963
IRS990/TotalLiabilitiesGrp/EOYAmt0584209
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-73921
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-111849
IRS990/TotalProgramServiceExpensesAmt0842550
IRS990/TotalProgramServiceRevenueAmt01241846
IRS990/TotalReportableCompFromOrgAmt0250526
IRS990/TotalRevenueGrp/ExclusionAmt0104
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01243326
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01243430
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0559042
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0472360
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0-73921
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0-111849
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0WWW.ACDCAS.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID STRUCK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06053504724
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-11-28
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ALLEN CREDIT AND DEBT COUNSELING
ReturnHeader/Filer/BusinessNameControlTxt0ALLE
ReturnHeader/Filer/EIN0203413292
ReturnHeader/Filer/PhoneNum06053014885
ReturnHeader/Filer/USAddress/AddressLine1Txt020003 387TH AVE

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$472,360
Liabilities
$584,209
Net assets
-$111,849
Revenue
$1,243,430
Expenses
$1,281,358
Net income
-$37,928
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
2018Detailed filing. Detailed filing data is available for this year.$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