Civic Intelligence

Consumer Credit and Budget Counseling Inc.

990 • Fiscal year 2018 • EIN 22-3569885

Jan 01, 2018 to Dec 31, 2018 • Filed on Jul 23, 2019

Organization ProfileWWW.NFDM.ORG, WWW.CC-BC.COM

View Organization Page

299 S Shore Road US Rte 9Marmora, NJ 08223

(609) 390-9652

Siviq Scores

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

Liabilities / Assets

88th percentile

0.85x

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

2018 filings • NTEE P • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

67th percentile

0.21x

Higher debt load relative to revenue than 67% of similar nonprofits.

2018 filings • NTEE P • $1M-$5M nonprofits • Source year 2018

Net Margin

41st percentile

0.3%

Higher net margin than 41% of similar nonprofits.

2018 filings • NTEE P • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

82nd percentile

$150,042

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

2018 filings • NTEE P • $1M-$5M nonprofits • Source year 2018

Asset Growth

25th percentile

-5.3%

Faster asset growth than 25% of similar nonprofits.

2018 filings • NTEE P • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

22nd percentile

-6.5%

Faster revenue growth than 22% of similar nonprofits.

2018 filings • NTEE P • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets88th percentile

Assets

Flat

$1,209,545

Flat from 2018

Net Assets

Flat

$178,422

Flat from 2018

Liabilities

Flat

$1,031,123

Flat from 2018

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin41st percentile

Revenue

Flat

$4,820,770

Flat from 2018

Expenses

Flat

$4,804,885

Flat from 2018

Net Income

Flat

$15,885

Flat from 2018

Historical Trend

Balance Sheet Trend

Asset Growth25th percentile

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

$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 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

2018

Assets$1,209,545
Liabilities$1,031,123
Net Assets$178,422
Open 2018 Filing

Operations Trend

Revenue Growth22nd percentile

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

2018

Revenue$4,820,770
Expenses$4,804,885
Net Income$15,885
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jul 23, 2019
Return Version
2018v3.1
Gross Receipts
$4,820,770
Mission and Program Overview

Mission

SEE SCHEDULE O

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$60,519$263,062▲ $202,543
Accounts Receivable$248,749$76,650▼ $172,099
Land, Buildings, and Equipment, Net$8,286$4,512▼ $3,774
Total Assets$1,277,174$1,209,545▼ $67,629
Other Assets Total$959,620$865,321▼ $94,299
Liabilities
Escrow Account Liability$941,416$847,117▼ $94,299
Accounts Payable and Accrued Expenses$173,221$184,006▲ $10,785
Total Liabilities$1,114,637$1,031,123▼ $83,514
Net Assets / Fund Balance
Unrestricted Net Assets$162,537$178,422▲ $15,885
Total Net Assets Fund Balance$162,537$178,422▲ $15,885
Total Liabilities and Net Assets / Fund Balance$1,277,174$1,209,545▼ $67,629

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$893$297,467-
Leasehold Improvements$3,619$107,834-
Other Assets Org$18,204--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Judy SorensenPresidentFT$128,826$21,216$150,042
Russell E GravesExecutive DirectorFT$132,799$11,774$144,573
Brian BienkowskiBoard Member Resigned 8/16/18PT$500-$500
Brian DownieBoard MemberPT$500-$500
Charles BenjaminBoard MemberPT$500-$500
Daniel StewartBoard MemberPT$500-$500

Highest Paid Contractors

ContractorServicesLocationCompensation
Alpha Staffing & Employee Leasing INCClient Support6360 NW 5TH WAY SUITE 302, Ft Lauderdale, FL 33309$1,871,684
Debtcom LLCPublic Outreach5769 W SUNRISE BLVD, Plantation, FL 33313$931,810
Venturetech Solutions LLCTechnology Services5787 W SUNRISE BLVD, Plantation, FL 33313$133,659
Revenue and Support

Revenue Composition

Contributions and Grants
$425,676
Program Service Revenue
$4,395,077
Investment Income
$17
Other Revenue
$0
All Other Contributions
$275,522
Change in Net Assets
$15,885

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,820,770
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$4,820,770
Total Revenue per Form 990
$4,820,770
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,584,097
Salaries, Compensation, and Employee Benefits$1,220,593
Grants and Similar Amounts Paid$195
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Advertising$940,932--$940,932
Other Salaries and Wages$687,962$76,440-$764,402
Current Officers, Directors, Trustees, and Key Employees$235,463$26,163-$261,626
Fees for Services Other$171,076$19,008-$190,084
Information Technology$125,658$13,962-$139,620
All Other Expenses$65,911$44,745-$110,656
Occupancy$83,510$9,279-$92,789
Payroll Taxes$80,576$8,953-$89,529
Other Employee Benefits$78,476$8,720-$87,196
Other Expenses$59,091$6,566-$65,657
Travel$41,228$4,582-$45,810
Office Expenses$32,548$3,617-$36,165
Insurance$25,078--$25,078
Pension Plan Contributions$16,056$1,784-$17,840
Depreciation Depletion$3,397$377-$3,774
Grants to Domestic Orgs$195--$195
Conferences and Meetings$133$15-$148
Total Functional Expenses$4,567,656$237,229$0$4,804,885

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$4,804,885
Expenses per Audited Statements$4,804,883
Total Expenses per Audited Statements$4,804,883
Expenses Not Reported on Financial Statements$2
Other Expense Adjustments$2
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
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
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
2019-07-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Russell Graves
Formed
1998
Legal Domicile
Nj
Voting Board Members
4
Independent Board Members
4
Employees
29
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 I Line 1 and Part III Line 1

“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. Ccbc has expanded its ability to provide financial education to our nation's military members and veterans through its warrior support services division. The warrior support services division focuses on the financial literacy educational needs of u.s. Military veterans and active duty members through programs partnerships with groups such as the yellow ribbon program and returning warrior workshops. These partnerships,in combination with ccbc's programs are at part of a nationwide cohesive approach whose primary focus is to improve the financial literacy of our military and their families and to help them identify resources available in their communities to help them with their specific financial needs by combining it's resources with these other leading national non-profit organizations. Ccbc has the ability to help families that are looking to take responsibility for their personal finances and make better, more informed decisions in the future.”

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.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“ROUNDING 2.”

Raw XML AppendixShowing 400 of 513 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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IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt08720
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt078476
IRS990/OtherEmployeeBenefitsGrp/TotalAmt087196
IRS990/OtherExpensesGrp/Desc0CLIENT SERVICING COSTS
IRS990/OtherExpensesGrp/Desc1EQUIPMENT RENTAL AND MA
IRS990/OtherExpensesGrp/Desc2LICENSES AND PERMITS
IRS990/OtherExpensesGrp/Desc3DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt113018
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt26566
IRS990/OtherExpensesGrp/ProgramServicesAmt01704840
IRS990/OtherExpensesGrp/ProgramServicesAmt1133588
IRS990/OtherExpensesGrp/ProgramServicesAmt281938
IRS990/OtherExpensesGrp/ProgramServicesAmt359091
IRS990/OtherExpensesGrp/TotalAmt01704840
IRS990/OtherExpensesGrp/TotalAmt1146606
IRS990/OtherExpensesGrp/TotalAmt281938
IRS990/OtherExpensesGrp/TotalAmt365657
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt076440
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0687962
IRS990/OtherSalariesAndWagesGrp/TotalAmt0764402
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt08953
IRS990/PayrollTaxesGrp/ProgramServicesAmt080576
IRS990/PayrollTaxesGrp/TotalAmt089529
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt01784
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt016056
IRS990/PensionPlanContributionsGrp/TotalAmt017840
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0RUSSELL GRAVES
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0611710
IRS990/ProgramServiceRevenueGrp/BusinessCd1611710
IRS990/ProgramServiceRevenueGrp/Desc0COUNSELING FEES
IRS990/ProgramServiceRevenueGrp/Desc1OTHER COUNSELING CONTR
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03290556
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11104521
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03290556
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11104521
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0191205
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt03597510
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04962694
IRS990/PYRevenuesLessExpensesAmt018108
IRS990/PYSalariesCompEmpBnftPaidAmt01538281
IRS990/PYTotalExpensesAmt05135791
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05153899
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt015885
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt04395077
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt01073226
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0864853
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0979665
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0931214
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0688352
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt04537310
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt063
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0155
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0218
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportPY170Pct00.99990
IRS990ScheduleA/PublicSupportTotal170Amt04537310
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt01073226
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0864853
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0979665
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0931214
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0688352
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt04537310
IRS990ScheduleA/TotalSupportAmt04537528
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0893
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0297467
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0298360
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt02
IRS990ScheduleD/ExpensesSubtotalAmt04804883
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt03619
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0107834
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0111453
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0847117
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt118204
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0CASH, RESTRICTED
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1DEPOSITS
IRS990ScheduleD/OtherExpensesNotIncludedAmt02
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt04820770
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/ExplanationTxt1ROUNDING 2.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04512
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0865321
IRS990ScheduleD/TotalExpensesPerForm990Amt04804885
IRS990ScheduleD/TotalRevenuePerForm990Amt04820770
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04820770
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt04804883
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0128826
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt03864
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt017352
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JUDY SORENSEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0150042
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/ExplanationTxt5ORGANIZATION'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. CCBC HAS EXPANDED ITS ABILITY TO PROVIDE FINANCIAL EDUCATION TO OUR NATION'S MILITARY MEMBERS AND VETERANS THROUGH ITS WARRIOR SUPPORT SERVICES DIVISION. THE WARRIOR SUPPORT SERVICES DIVISION FOCUSES ON THE FINANCIAL LITERACY EDUCATIONAL NEEDS OF U.S. MILITARY VETERANS AND ACTIVE DUTY MEMBERS THROUGH PROGRAMS PARTNERSHIPS WITH GROUPS SUCH AS THE YELLOW RIBBON PROGRAM AND RETURNING WARRIOR WORKSHOPS. THESE PARTNERSHIPS,IN COMBINATION WITH CCBC'S PROGRAMS ARE AT PART OF A NATIONWIDE COHESIVE APPROACH WHOSE PRIMARY FOCUS IS TO IMPROVE THE FINANCIAL LITERACY OF OUR MILITARY AND THEIR FAMILIES AND TO HELP THEM IDENTIFY RESOURCES AVAILABLE IN THEIR COMMUNITIES TO HELP THEM WITH THEIR SPECIFIC FINANCIAL NEEDS BY COMBINING IT'S RESOURCES WITH THESE OTHER LEADING NATIONAL NON-PROFIT ORGANIZATIONS. CCBC HAS THE ABILITY TO HELP FAMILIES THAT ARE LOOKING TO TAKE RESPONSIBILITY FOR THEIR PERSONAL FINANCES AND MAKE BETTER, MORE INFORMED DECISIONS IN THE FUTURE.
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 I LINE 1 AND PART III LINE 1
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
IRS990/StatesWhereCopyOfReturnIsFldCd17LA
IRS990/StatesWhereCopyOfReturnIsFldCd18ME
IRS990/StatesWhereCopyOfReturnIsFldCd19MD
IRS990/StatesWhereCopyOfReturnIsFldCd20MA
IRS990/StatesWhereCopyOfReturnIsFldCd21MN
IRS990/StatesWhereCopyOfReturnIsFldCd22MS
IRS990/StatesWhereCopyOfReturnIsFldCd23MO

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,209,545
Liabilities
$1,031,123
Net assets
$178,422
Revenue
$4,820,770
Expenses
$4,804,885
Net income
$15,885
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
2018Detailed filing. Detailed filing data is available for this year.$1.21$1.03$0.18$4.82$4.80$0.02
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