Liabilities / Assets
59th percentile
Higher debt load relative to assets than 59% of similar nonprofits.
Rushmore Consumer Credit Resource Center
990 • Fiscal year 2012 • EIN 23-7364664
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.21x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
14th percentile
Faster asset growth than 14% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Down$1,685,632
Down $170,268 (-9.2%) from 2011
Net Assets
Down$1,335,620
Down $58,751 (-4.2%) from 2011
Liabilities
Down$350,012
Down $111,517 (-24%) from 2011
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$881,074
Down $161,922 (-16%) from 2011
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2012 to Dec 31, 2012
- Signed
- Jun 27, 2013
- Return Version
- 2012v2.1
- Gross Receipts
- $875,552
Mission and Program Overview
Mission
Improving financial stability through counseling and education. We support the financial wellness of all.
Major Activities
- Activity 2
- The american center for credit education's mission is providing financial education and counseling programs that assist individuals and families to manage financial resources. We develop and publish financial education programs including checkwise, credit when credit is due, make your move: a guide to homeownership, start right: build your own business, money & faith in motion, and money in motion. Counseling in motion bk edition, and rebuilding after bankruptcy. We have distributed over 1,562,000 financial literacy programs across the nation. In south dakota we provided our financial literacy programs for area clients, high schools, universities, non-profit organizations, the military, employers, correctional facilities, job training, reservations, government agencies and more reaching 2,386 individuals.
Filing and Contact Details
Filer
- EIN
- 23-7364664
Raw XML AppendixShowing 400 of 508 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/Activity2/Description | 0 | THE AMERICAN CENTER FOR CREDIT EDUCATION'S MISSION IS PROVIDING FINANCIAL EDUCATION AND COUNSELING PROGRAMS THAT ASSIST INDIVIDUALS AND FAMILIES TO MANAGE FINANCIAL RESOURCES. WE DEVELOP AND PUBLISH FINANCIAL EDUCATION PROGRAMS INCLUDING CHECKWISE, CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE: A GUIDE TO HOMEOWNERSHIP, START RIGHT: BUILD YOUR OWN BUSINESS, MONEY & FAITH IN MOTION, AND MONEY IN MOTION. COUNSELING IN MOTION BK EDITION, AND REBUILDING AFTER BANKRUPTCY. WE HAVE DISTRIBUTED OVER 1,562,000 FINANCIAL LITERACY PROGRAMS ACROSS THE NATION. IN SOUTH DAKOTA WE PROVIDED OUR FINANCIAL LITERACY PROGRAMS FOR AREA CLIENTS, HIGH SCHOOLS, UNIVERSITIES, NON-PROFIT ORGANIZATIONS, THE MILITARY, EMPLOYERS, CORRECTIONAL FACILITIES, JOB TRAINING, RESERVATIONS, GOVERNMENT AGENCIES AND MORE REACHING 2,386 INDIVIDUALS. |
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| IRS990/ActivityOrMissionDescription | 0 | RUSHMORE CONSUMER CREDIT RESOURCE CENTERS MISSION IS IMPROVING FINANCIAL STABILITY THROUGH EDUCATION FOR A LIFETIME OF FINANCIAL WELL-BEING. RUSHMORE CONSUMER CREDIT RESOURCE CENTER HAS TWO DIVISIONS: CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS AND THE AMERICAN CENTER FOR CREDIT EDUCATION. |
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| IRS990/Description | 0 | CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS' MISSION IS HELPING IMPROVE FINANCIAL STABILITY THROUGH COUNSELING AND EDUCATION. WE PROVIDE COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: PRE-PURCHASE HOUSING COUNSELING AND HOMEBUYER EDUCATION, REVERSE MORTGAGE COUNSELING, AND LOSS MITIGATION FORECLOSURE PREVENTION COUNSELING, A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 90 MINUTES AND HELPS THEM DEVELOP A PERSONALIZED ACTION PLAN TO OVERCOME THEIR HOUSING AND FINANCIAL OBSTACLES AND OBTAIN AND MAINTAIN SAFE AND AFFORDABLE HOUSING. WE ARE ALSO EOSUT APPROVED TO PROVIDE PRE-FILING CREDIT COUNSELING AND POST-FILING DEBTOR EDUCATION. IN THE COMMUNITIES WE SERVE WE PROVIDE COUNSELING SERVICES FOR 994 FAMILIES. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES THE FINANCIAL COUNSELING ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAMS IS A VIABLE OPTION THAT HELPS THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS. |
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| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus1Year | 0 | 284388 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus2Years | 0 | 283378 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus3Years | 0 | 247831 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus4Years | 0 | 188299 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/Total | 0 | 1258542 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYear | 0 | 3240 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYearMinus1Year | 0 | 5070 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYearMinus2Years | 0 | 6383 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYearMinus3Years | 0 | 23051 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYearMinus4Years | 0 | 29261 |
| IRS990ScheduleA/GrossInvestmentIncome170/Total | 0 | 67005 |
| IRS990ScheduleA/GrossReceiptsFromAdmissionsEtc | 0 | 4948831 |
| IRS990ScheduleA/OtherIncome170/CurrentTaxYear | 0 | 1973 |
| IRS990ScheduleA/OtherIncome170/CurrentTaxYearMinus1Year | 0 | 1952 |
| IRS990ScheduleA/OtherIncome170/CurrentTaxYearMinus2Years | 0 | 3530 |
| IRS990ScheduleA/OtherIncome170/Total | 0 | 7455 |
| IRS990ScheduleA/PubliclySupportedOrg170b1Avi | 0 | X |
| IRS990ScheduleA/PublicSupportPertcentage170 | 0 | 0.94410 |
| IRS990ScheduleA/PublicSupportPertcentPriorYear | 0 | 0.93600 |
| IRS990ScheduleA/PublicSupportTotal170 | 0 | 1258542 |
| IRS990ScheduleA/ThirtyThreePercntTestsCY170 | 0 | X |
| IRS990ScheduleA/Total170/CurrentTaxYear | 0 | 254646 |
| IRS990ScheduleA/Total170/CurrentTaxYearMinus1Year | 0 | 284388 |
| IRS990ScheduleA/Total170/CurrentTaxYearMinus2Years | 0 | 283378 |
| IRS990ScheduleA/Total170/CurrentTaxYearMinus3Years | 0 | 247831 |
| IRS990ScheduleA/Total170/CurrentTaxYearMinus4Years | 0 | 188299 |
| IRS990ScheduleA/Total170/Total | 0 | 1258542 |
| IRS990ScheduleA/TotalSupport | 0 | 1333002 |
| IRS990ScheduleB/ContributorInfo/AggregateContributions | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorNameBusiness/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorNumber | 0 | RESTRICTED |
| IRS990/ScheduleBRequired | 0 | 1 |
| IRS990ScheduleD/AdditionsDuringYear | 0 | 998 |
| IRS990ScheduleD/AgentTrusteeEtc | 0 | 1 |
| IRS990ScheduleD/BeginningBalance | 0 | 1314 |
| IRS990ScheduleD/Buildings/BookValue | 0 | 675342 |
| IRS990ScheduleD/Buildings/Depreciation | 0 | 62284 |
| IRS990ScheduleD/Buildings/OtherCostOrOtherBasis | 0 | 737626 |
| IRS990ScheduleD/DistributionsDuringYear | 0 | 1314 |
| IRS990ScheduleD/EndingBalance | 0 | 998 |
| IRS990ScheduleD/Equipment/BookValue | 0 | 29121 |
| IRS990ScheduleD/Equipment/Depreciation | 0 | 93060 |
| IRS990ScheduleD/Equipment/OtherCostOrOtherBasis | 0 | 122181 |
| IRS990ScheduleD/ExpensesNotRptdF990 | 0 | 53229 |
| IRS990ScheduleD/ExpensesNotRptdOnFinStmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotal | 0 | 881074 |
| IRS990ScheduleD/FootnoteInPartXIII | 0 | X |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 0 | AMOUNTS HELD FOR OTHERS ARE THE AMOUNTS HELD FOR BANK ON RAPID CITY A COMMUNITY-WIDE PROGRAM. PARTICIPATING FINANCIAL INSTITUTION FOR BANK ON RAPID CITY MADE CONTRIBUTIONS TO SUPPORT OUTREACH EFFORTS FOR BANK ON RAPID CITY. BANK ON RAPID CITY'S GOAL IS TO HELP THE UNBANKED AND UNDERBANKED DEVELOP A RELATIONSHIP WITH A FINANCIAL INSTITUTION. HAVING AN ACCOUNT WITH FINANCIAL INSTITUTION IS A BUILDING BLOCK TO FINANCIAL STABILITY. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 1 | AS OF DECEMBER 31, 2012, THE ORGANIZATION HAD NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. THE ORGANIZATION'S INCOME TAX FILINGS ARE SUBJECT TO AUDIT BY VARIOUS TAXING AUTHORITIES. THE ORGANIZATION IS NO LONGER SUBJECT TO FEDERAL AND STATE INCOME TAX EXAMINATIONS BY TAXING AUTHORITIES FOR YEARS BEFORE 2009. MANAGEMENT CONTINUALLY EVALUATES EXPIRING STATUTES OF LIMITATION, AUDITS, PROPOSED SETTLEMENTS, CHANGES IN TAX LAW AND NEW AUTHORITATIVE RULINGS. THE ORGANIZATION BELIEVES THEIR ESTIMATES ARE APPROPRIATE BASED ON CURRENT FACTS AND CIRCUMSTANCES. INTEREST AND PENALTIES ASSESSED BY INCOME TAXING AUTHORITIES, IF ANY, ARE INCLUDED IN INTEREST EXPENSE. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 2 | COST OF SALES NETTED AGAINST REVENUES -53,229. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 3 | COST OF SALES NETTED AGAINST REVENUES 53,229. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 0 | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 1 | PART XI, LINE 4B - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 2 | PART XII, LINE 2D - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference | 0 | PART IV, LINE 1B: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference | 1 | PART X, LINE 2: |
| IRS990ScheduleD/IncludedOnFS | 0 | 0 |
| IRS990ScheduleD/Land/BookValue | 0 | 279900 |
| IRS990ScheduleD/Land/OtherCostOrOtherBasis | 0 | 279900 |
| IRS990ScheduleD/OtherExpensesIncluded | 0 | 53229 |
| IRS990ScheduleD/OtherRevenuesNotIncluded | 0 | -53229 |
| IRS990ScheduleD/RevenueNotRptdF990 | 0 | 0 |
| IRS990ScheduleD/RevenueNotRptdOnFinStmt | 0 | -53229 |
| IRS990ScheduleD/RevenueSubtotal | 0 | 875552 |
| IRS990ScheduleD/TotalExpensesPerForm990 | 0 | 881074 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 984363 |
| IRS990ScheduleD/TotalRevenuePerForm990 | 0 | 822323 |
| IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt | 0 | 934303 |
| IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt | 0 | 875552 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $1,685,632
- Liabilities
- $350,012
- Net assets
- $1,335,620
- Revenue
- -
- Expenses
- $881,074
- Net income
- -