Civic Intelligence

Consumer Credit and Budget Counseling Inc

EIN 22-3569885 • 501(c)3 • Marmora, NJ

View Organization Page

Profile

Organization's mission or most significant activities. Ccbc's mission is to build financial wellness through education. It is the policy of ccbc and its staff to provide meaningful personal financial education and counseling that meets or exceeds customer requirements and to enhance measurably, through outreach activity, the economic wellness of communities served.

299 S Shore Road US Rte 9Marmora, NJ 08223

www.nfdm.org, www.cc-bc.com

Siviq Scores

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

Liabilities / Assets

85th percentile

0.70x

Higher debt load relative to assets than 85% of similar nonprofits.

NTEE P • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

69th percentile

0.24x

Higher debt load relative to revenue than 69% of similar nonprofits.

NTEE P • $1M-$5M nonprofits • Source year 2024

Net Margin

32nd percentile

-1.7%

Higher net margin than 32% of similar nonprofits.

NTEE P • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

81st percentile

$152,073

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 7.5% of source-year revenue.

NTEE P • $1M-$5M nonprofits • Source year 2024

Asset Growth

11th percentile

-17%

Faster asset growth than 11% of similar nonprofits.

NTEE P • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

12th percentile

-21%

Faster revenue growth than 12% of similar nonprofits.

NTEE P • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$835,877

Up $82,694 (+11%) from 2022

Liabilities

Up

$591,640

Up $26,998 (+4.8%) from 2022

Net Assets

Up

$244,237

Up $55,696 (+30%) from 2022

Operations
Liabilities / Revenue69th percentileNet Margin32nd percentile

Revenue

Up

$2,571,350

Up $123,799 (+5.1%) from 2022

Expenses

Up

$2,515,655

Up $10,955 (+0.4%) from 2022

Net Income

Up

$55,695

Up $112,844 (+197%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth11th percentile

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

$1.5M$1.0M$500K$0Assets 2011: $693,841Liabilities 2011: $679,312Net Assets 2011: $14,5292011Assets 2012: $952,378Liabilities 2012: $768,162Net Assets 2012: $184,2162012Assets 2013: $893,919Liabilities 2013: $784,757Net Assets 2013: $109,1622013Assets 2014: $1,020,813Liabilities 2014: $920,520Net Assets 2014: $100,2932014Assets 2015: $1,379,822Liabilities 2015: $1,237,887Net Assets 2015: $141,9352015Assets 2016: $968,171Liabilities 2016: $823,742Net Assets 2016: $144,4292016Assets 2017: $1,277,174Liabilities 2017: $1,114,637Net Assets 2017: $162,5372017Assets 2018: $1,209,545Liabilities 2018: $1,031,123Net Assets 2018: $178,4222018Assets 2019: $901,160Liabilities 2019: $793,795Net Assets 2019: $107,3652019Assets 2020: $988,567Liabilities 2020: $879,705Net Assets 2020: $108,8622020Assets 2021: $1,261,705Liabilities 2021: $1,016,016Net Assets 2021: $245,6892021Assets 2022: $753,183Liabilities 2022: $564,642Net Assets 2022: $188,5412022Assets 2023: $835,877Liabilities 2023: $591,640Net Assets 2023: $244,2372023

Highlighted filing

2023

Assets$835,877
Liabilities$591,640
Net Assets$244,237
Open 2023 Filing

Operations Trend

Revenue Growth12th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2011: $2,313,825Expenses 2011: $2,273,005Net Income 2011: $40,8202011Revenue 2012: $3,330,348Expenses 2012: $3,160,661Net Income 2012: $169,6872012Revenue 2013: $2,940,286Expenses 2013: $3,015,340Net Income 2013: -$75,0542013Revenue 2014: $3,009,954Expenses 2014: $3,018,823Net Income 2014: -$8,8692014Revenue 2015: $3,247,982Expenses 2015: $3,206,340Net Income 2015: $41,6422015Revenue 2016: $3,944,049Expenses 2016: $3,941,555Net Income 2016: $2,4942016Revenue 2017: $5,153,899Expenses 2017: $5,135,791Net Income 2017: $18,1082017Revenue 2018: $4,820,770Expenses 2018: $4,804,885Net Income 2018: $15,8852018Revenue 2019: $4,211,595Expenses 2019: $4,282,652Net Income 2019: -$71,0572019Revenue 2020: $3,547,277Expenses 2020: $3,545,780Net Income 2020: $1,4972020Revenue 2021: $3,720,720Expenses 2021: $3,583,895Net Income 2021: $136,8252021Revenue 2022: $2,447,551Expenses 2022: $2,504,700Net Income 2022: -$57,1492022Revenue 2023: $2,571,350Expenses 2023: $2,515,655Net Income 2023: $55,6952023

Highlighted filing

2023

Revenue$2,571,350
Expenses$2,515,655
Net Income$55,695
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$835,877
Liabilities
$591,640
Net assets
$244,237
Revenue
$2,571,350
Expenses
$2,515,655
Net income
$55,695
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$0.84$0.59$0.24$2.57$2.52$0.06
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.75$0.56$0.19$2.45$2.50$0.06
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.26$1.02$0.25$3.72$3.58$0.14
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.99$0.88$0.11$3.55$3.55$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.90$0.79$0.11$4.21$4.28$0.07
2018Summary only. Only limited summary data is available for this year.$1.21$1.03$0.18$4.82$4.80$0.02
2017Summary only. Only limited summary data is available for this year.$1.28$1.11$0.16$5.15$5.14$0.02
2016Summary only. Only limited summary data is available for this year.$0.97$0.82$0.14$3.94$3.94$0.00
2015Summary only. Only limited summary data is available for this year.$1.38$1.24$0.14$3.25$3.21$0.04
2014Summary only. Only limited summary data is available for this year.$1.02$0.92$0.10$3.01$3.02$0.01
2013Summary only. Only limited summary data is available for this year.$0.89$0.78$0.11$2.94$3.02$0.08
2012Summary only. Only limited summary data is available for this year.$0.95$0.77$0.18$3.33$3.16$0.17
2011Summary only. Only limited summary data is available for this year.$0.69$0.68$0.01$2.31$2.27$0.04
Latest Detailed Filing

The latest 2023 filing currently has summary financial data only. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Aug 3, 2023
Return Version
2022v5.0
Gross Receipts
$2,447,551
Mission and Program Overview

Mission

Organization's mission or most significant activities. Ccbc's mission is to build financial wellness through education. It is the policy of ccbc and its staff to provide meaningful personal financial education and counseling that meets or exceeds customer requirements and to enhance measurably, through outreach activity, the economic wellness of communities served.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$921,894$429,966▼ $491,928
Pledges and Grants Receivable$31,555$178,897▲ $147,342
Land, Buildings, and Equipment, Net$0$0→ $0
Total Assets$1,261,705$753,183▼ $508,522
Other Assets Total$308,256$144,320▼ $163,936
Liabilities
Other Liabilities$300,579$164,929▼ $135,650
Accounts Payable and Accrued Expenses$131,106$141,168▲ $10,062
Escrow Account Liability$297,481$133,545▼ $163,936
Deferred Revenue$286,850$125,000▼ $161,850
Total Liabilities$1,016,016$564,642▼ $451,374
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$245,689$188,541▼ $57,148
Total Net Assets Fund Balance$245,689$188,541▼ $57,148
Total Liabilities and Net Assets / Fund Balance$1,261,705$753,183▼ $508,522

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$307,750$307,750
Leasehold Improvements$0$111,453$111,453
Other Assets Org$10,775--
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Judy SorensenPresidentFT$125,700$24,827$150,527
Russell E GravesExecutive DirectorFT$115,700$12,726$128,426
Brian DownieBoard MemberPT$500-$500
Charles BenjaminBoard MemberPT$500-$500
Daniel StewartBoard MemberPT$500-$500
Michael WetmoreBoard MemberPT$500-$500
Shelly HammBoard MemberPT$500-$500

Highest Paid Contractors

ContractorServicesLocationCompensation
Alpha Staffing & Employee Leasing INCClient Support6360 NW 5TH WAY, Ft Lauderdale, FL 33309$241,580
Debtcom LLCPublic Outreach8220 STATE ROAD 84, Davie, FL 33324$208,780
Venturetech Solutions LLCTechnology Services5787 W SUNRISE BLVD, Plantation, FL 33313$118,520
Revenue and Support

Revenue Composition

Contributions and Grants
$310,878
Program Service Revenue
$2,136,673
Investment Income
$0
Other Revenue
$0
All Other Contributions
$310,878
Change in Net Assets
$-57,149

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,447,551
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,447,551
Total Revenue per Form 990
$2,447,551
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,289,221
Salaries, Compensation, and Employee Benefits$1,215,479
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$661,605$73,512-$735,117
Current Officers, Directors, Trustees, and Key Employees$217,260$24,140-$241,400
Advertising$220,144--$220,144
Fees for Services Other$123,893$13,723-$137,616
Other Employee Benefits$116,275--$116,275
All Other Expenses$64,357$42,347-$106,704
Information Technology$93,477$10,386-$103,863
Payroll Taxes$91,704$10,189-$101,893
Occupancy$82,347$9,150-$91,497
Other Expenses$56,113$6,235-$62,348
Insurance$44,072--$44,072
Office Expenses$21,443$2,423-$23,866
Travel$20,346$2,261-$22,607
Pension Plan Contributions$18,715$2,079-$20,794
Total Functional Expenses$2,286,475$218,225$0$2,504,700

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,504,700
Total Expenses per Audited Statements$2,504,700
Total Expenses per Form 990$2,504,700
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Housing Intermediary Funds Payable$164,929
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
Yes
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

“The board of directors review the form 990 and forward their questions/comments to the president. The president discusses said questions/comments with the executive director before signing the return.”

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

“New conflict of interest forms are required to be completed each year.”

Form 990, Part VI, Section B, Line 15A

“The compensation process for executives are based on policy and salary reviews subject to board approval.”

Form 990, Part VI, Section C, Line 18

“The organization makes form 990 available to the public upon request.”

Form 990, Part VI, Section C, Line 19

“The organization makes information available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Consumer Credit and Budget
EIN
22-3569885
Phone
6093909652
Address
299 S SHORE ROAD US RTE 9, MARMORA, NJ 08223
Doing Business As
National Foundation for Debt

Signing Officer

Name
Russell Graves
Title
Executive Director
Phone
6093909652
Signed
2023-08-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Russell Graves
Formed
1998
Legal Domicile
Nj
Voting Board Members
5
Independent Board Members
5
Employees
25
Volunteers
0

Preparer

Firm
Thomas Vastardis CPA
Address
30 FRENEAU AVENUE BLDG B UNIT 2D, MATAWAN, NJ 07747
Preparer
Thomas Vastardis CPA
Phone
7322381908
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“ROUNDING 1.”

Financial Statement Notes

PART IV, LINE 2B:

“Custodial arrangement represents funds collected from clients, which in turn are used to pay a client's debt balance to creditors.”

Raw XML AppendixShowing 400 of 516 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/BooksInCareOfDetail/USAddress/CityNm0CLEARWATER
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1DEBTCOM LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2VENTURETECH SOLUTIONS LLC
IRS990/ContractorCompensationGrp/ServicesDesc0CLIENT SUPPORT
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IRS990/ContractorCompensationGrp/ServicesDesc2TECHNOLOGY SERVICES
IRS990/CreditCounselingInd01
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IRS990/Desc0PROGRAMS TO CARRYOUT EDUCATIONAL AND CONFIDENTIAL COUNSELING TO INDIVIDUALS AND FAMILIES WITH SERIOUS MONEY PROBLEMS,INCLUDING DEBT MANAGEMENT PLANS AND HOUSING COUNSELING TO EDUCATE THE HOMEOWNER PRIOR TO ENTERING FORECLOSURE, DURING, AND/OR SUBMITTING A REVERSE MORTGAGE LOAN APPLICATION. CCBC STAFF IS EXTENSIVELY TRAINED AND CERTIFIED FOR EACH PROGRAM DELIVERED AND CCBC INTERNAL REQUIREMENTS OFTEN EXCEED HUD PROTOCOL FOR PROGRAM DELIVERY.
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IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt6PRESIDENT
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IRS990/InformationTechnologyGrp/ProgramServicesAmt093477
IRS990/InformationTechnologyGrp/TotalAmt0103863
IRS990/InsuranceGrp/ProgramServicesAmt044072
IRS990/InsuranceGrp/TotalAmt044072
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt010
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0419203
IRS990/LandBldgEquipBasisNetGrp/BOYAmt00
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LandBldgEquipCostOrOtherBssAmt0419203
IRS990/LegalDomicileStateCd0NJ
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0SEE SCHEDULE O
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0245689
IRS990/NetAssetsOrFundBalancesEOYAmt0188541
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0245689
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0188541
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt09150
IRS990/OccupancyGrp/ProgramServicesAmt082347
IRS990/OccupancyGrp/TotalAmt091497
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt02423
IRS990/OfficeExpensesGrp/ProgramServicesAmt021443
IRS990/OfficeExpensesGrp/TotalAmt023866
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0308256
IRS990/OtherAssetsTotalGrp/EOYAmt0144320
IRS990/OtherChangesInNetAssetsAmt01
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0116275
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0116275
IRS990/OtherExpensesGrp/Desc0CLIENT SERVICING COSTS
IRS990/OtherExpensesGrp/Desc1EQUIPMENT RENTAL AND MA
IRS990/OtherExpensesGrp/Desc2TELEPHONE
IRS990/OtherExpensesGrp/Desc3DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt012571
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt19209
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt26235
IRS990/OtherExpensesGrp/ProgramServicesAmt0258710
IRS990/OtherExpensesGrp/ProgramServicesAmt1113135
IRS990/OtherExpensesGrp/ProgramServicesAmt282879
IRS990/OtherExpensesGrp/ProgramServicesAmt356113
IRS990/OtherExpensesGrp/TotalAmt0258710
IRS990/OtherExpensesGrp/TotalAmt1125706
IRS990/OtherExpensesGrp/TotalAmt292088
IRS990/OtherExpensesGrp/TotalAmt362348
IRS990/OtherLiabilitiesGrp/BOYAmt0300579
IRS990/OtherLiabilitiesGrp/EOYAmt0164929
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt073512
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0661605
IRS990/OtherSalariesAndWagesGrp/TotalAmt0735117
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt010189
IRS990/PayrollTaxesGrp/ProgramServicesAmt091704
IRS990/PayrollTaxesGrp/TotalAmt0101893
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt02079
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt018715
IRS990/PensionPlanContributionsGrp/TotalAmt020794
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt031555
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0178897
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0RUSSELL GRAVES
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0611710
IRS990/ProgramServiceRevenueGrp/BusinessCd1611710
IRS990/ProgramServiceRevenueGrp/Desc0OTHER COUNSELING CONTR
IRS990/ProgramServiceRevenueGrp/Desc1COUNSELING FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01127906
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11008767
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01127906
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11008767
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0563662
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt02616341
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03157058
IRS990/PYRevenuesLessExpensesAmt0136825
IRS990/PYSalariesCompEmpBnftPaidAmt0967554
IRS990/PYTotalExpensesAmt03583895
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03720720
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-57149
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01862597
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0494455
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0798632
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0904406
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01061237
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt01073226
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt04331956
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt047
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt047
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt04331956
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0494455
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0798632
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0904406
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01061237
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt01073226
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt04331956
IRS990ScheduleA/TotalSupportAmt04332003
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0307750
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0307750
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02504700
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0111453
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0111453
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0133545
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt110775
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0CASH, RESTRICTED
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0164929
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0HOUSING INTERMEDIARY FUNDS PAYABLE
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02447551
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0CUSTODIAL ARRANGEMENT REPRESENTS FUNDS COLLECTED FROM CLIENTS, WHICH IN TURN ARE USED TO PAY A CLIENT'S DEBT BALANCE TO CREDITORS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0144320
IRS990ScheduleD/TotalExpensesPerForm990Amt02504700
IRS990ScheduleD/TotalLiabilityAmt0164929
IRS990ScheduleD/TotalRevenuePerForm990Amt02447551
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02447551
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02504700
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0125700
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt03771
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021056
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JUDY SORENSEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0150527
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS REVIEW THE FORM 990 AND FORWARD THEIR QUESTIONS/COMMENTS TO THE PRESIDENT. THE PRESIDENT DISCUSSES SAID QUESTIONS/COMMENTS WITH THE EXECUTIVE DIRECTOR BEFORE SIGNING THE RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NEW CONFLICT OF INTEREST FORMS ARE REQUIRED TO BE COMPLETED EACH YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE COMPENSATION PROCESS FOR EXECUTIVES ARE BASED ON POLICY AND SALARY REVIEWS SUBJECT TO BOARD APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES FORM 990 AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION MAKES INFORMATION AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ROUNDING 1.
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 B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0AL
IRS990/StatesWhereCopyOfReturnIsFldCd1AK
IRS990/StatesWhereCopyOfReturnIsFldCd2AR
IRS990/StatesWhereCopyOfReturnIsFldCd3CA
IRS990/StatesWhereCopyOfReturnIsFldCd4CO
IRS990/StatesWhereCopyOfReturnIsFldCd5CT
IRS990/StatesWhereCopyOfReturnIsFldCd6DE
IRS990/StatesWhereCopyOfReturnIsFldCd7DC
IRS990/StatesWhereCopyOfReturnIsFldCd8FL
IRS990/StatesWhereCopyOfReturnIsFldCd9GA
IRS990/StatesWhereCopyOfReturnIsFldCd10HI
IRS990/StatesWhereCopyOfReturnIsFldCd11ID
IRS990/StatesWhereCopyOfReturnIsFldCd12IL
IRS990/StatesWhereCopyOfReturnIsFldCd13IN
IRS990/StatesWhereCopyOfReturnIsFldCd14IA
IRS990/StatesWhereCopyOfReturnIsFldCd15KS
IRS990/StatesWhereCopyOfReturnIsFldCd16KY

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