Civic Intelligence

Rushmore Consumer Credit Resource Center

990 • Fiscal year 2016 • EIN 23-7364664

Jan 01, 2016 to Dec 31, 2016 • Filed on May 10, 2017

Organization ProfileWWW.CCCSBH.COM

View Organization Page

2310 North Maple AvenueRapid City, SD 57701-7849

(605) 348-4550

Siviq Scores

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

Liabilities / Assets

65th percentile

0.23x

Higher debt load relative to assets than 65% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

79th percentile

0.59x

Higher debt load relative to revenue than 79% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Net Margin

14th percentile

-22%

Higher net margin than 14% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

59th percentile

$80,863

Higher top officer pay than 59% of similar nonprofits.

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

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Asset Growth

14th percentile

-8.6%

Faster asset growth than 14% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

26th percentile

-8.1%

Faster revenue growth than 26% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets65th percentile

Assets

Down

$1,348,558

Down $127,306 (-8.6%) from 2015

Net Assets

Down

$1,031,654

Down $118,659 (-10%) from 2015

Liabilities

Down

$316,904

Down $8,647 (-2.7%) from 2015

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin14th percentile

Revenue

Down

$537,356

Down $47,343 (-8.1%) from 2015

Expenses

Up

$656,015

Up $10,828 (+1.7%) from 2015

Net Income

Down

-$118,659

Down $58,171 (-96%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth14th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,952,012Liabilities 2010: $482,690Net Assets 2010: $1,469,3222010Assets 2011: $1,855,900Liabilities 2011: $461,529Net Assets 2011: $1,394,3712011Assets 2012: $1,685,632Liabilities 2012: $350,012Net Assets 2012: $1,335,6202012Assets 2013: $1,607,658Liabilities 2013: $336,465Net Assets 2013: $1,271,1932013Assets 2014: $1,521,897Liabilities 2014: $311,096Net Assets 2014: $1,210,8012014Assets 2015: $1,475,864Liabilities 2015: $325,551Net Assets 2015: $1,150,3132015Assets 2016: $1,348,558Liabilities 2016: $316,904Net Assets 2016: $1,031,6542016Assets 2017: $1,288,142Liabilities 2017: $293,035Net Assets 2017: $995,1072017Assets 2018: $1,252,417Liabilities 2018: $287,630Net Assets 2018: $964,7872018Assets 2019: $1,321,170Liabilities 2019: $298,868Net Assets 2019: $1,022,3022019Assets 2020: $1,273,131Liabilities 2020: $271,847Net Assets 2020: $1,001,2842020Assets 2021: $1,176,938Liabilities 2021: $245,918Net Assets 2021: $931,0202021Assets 2022: $1,146,288Liabilities 2022: $233,359Net Assets 2022: $912,9292022Assets 2023: $1,126,274Liabilities 2023: $218,742Net Assets 2023: $907,5322023Assets 2024: $1,518,381Liabilities 2024: $101,116Net Assets 2024: $1,417,2652024

Highlighted filing

2016

Assets$1,348,558
Liabilities$316,904
Net Assets$1,031,654
Open 2016 Filing

Operations Trend

Revenue Growth26th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,154,7482010Expenses 2011: $1,042,9962011Expenses 2012: $881,0742012Revenue 2013: $723,292Expenses 2013: $787,719Net Income 2013: -$64,4272013Revenue 2014: $584,503Expenses 2014: $644,895Net Income 2014: -$60,3922014Revenue 2015: $584,699Expenses 2015: $645,187Net Income 2015: -$60,4882015Revenue 2016: $537,356Expenses 2016: $656,015Net Income 2016: -$118,6592016Revenue 2017: $552,499Expenses 2017: $589,046Net Income 2017: -$36,5472017Revenue 2018: $580,809Expenses 2018: $611,129Net Income 2018: -$30,3202018Revenue 2019: $672,497Expenses 2019: $614,982Net Income 2019: $57,5152019Revenue 2020: $507,022Expenses 2020: $528,040Net Income 2020: -$21,0182020Revenue 2021: $416,877Expenses 2021: $487,141Net Income 2021: -$70,2642021Revenue 2022: $326,130Expenses 2022: $344,221Net Income 2022: -$18,0912022Revenue 2023: $348,125Expenses 2023: $353,524Net Income 2023: -$5,3992023Revenue 2024: $861,678Expenses 2024: $351,940Net Income 2024: $509,7382024

Highlighted filing

2016

Revenue$537,356
Expenses$656,015
Net Income-$118,659
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 10, 2017
Return Version
2016v3.0
Gross Receipts
$553,185
Mission and Program Overview

Mission

Improving financial stability through counseling and education. We support the financial wellness of all.

Rushmore consumer credit resource center's 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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$919,898$893,738▼ $26,160
Savings and Temporary Cash Investments$417,648$349,525▼ $68,123
Cash and Non-Interest-Bearing Accounts$100,586$66,242▼ $34,344
Inventories for Sale or Use$10,715$16,925▲ $6,210
Pledges and Grants Receivable$24,168$16,400▼ $7,768
Accounts Receivable$1,422$3,402▲ $1,980
Prepaid Expenses and Deferred Charges$1,268$2,165▲ $897
Total Assets$1,475,864$1,348,558▼ $127,306
Other Assets Total$159$161▲ $2
Liabilities
Mortgage Notes Payable Secured by Investment Property$274,304$262,727▼ $11,577
Accounts Payable and Accrued Expenses$48,603$51,177▲ $2,574
Deferred Revenue$2,600$3,000▲ $400
Escrow Account Liability$44$0▼ $44
Total Liabilities$325,551$316,904▼ $8,647
Net Assets / Fund Balance
Unrestricted Net Assets$1,150,313$1,031,654▼ $118,659
Total Net Assets Fund Balance$1,150,313$1,031,654▼ $118,659
Total Liabilities and Net Assets / Fund Balance$1,475,864$1,348,558▼ $127,306

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$589,600$130,500$720,100
Land$279,900-$279,900
Equipment$13,891$73,881$87,772
Leasehold Improvements$10,347$10,240$20,587
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bonnie SpainCEOFT$74,863$6,000$80,863

Board Members and Trustees

NameTitle
Dennis WhetzalChairman
Corey WeberVice Chairwoman
Austin BernhardBoard Member
Dapne PerezBoard Member
Dave MortimerBoard Member
Dave SemeradBoard Member
Deeann DietrichBoard Member
Donna DanielsonBoard Member
Fredrick T AndersonBoard Member
Lana GriencewicBoard Member
Rick BradyBoard Member
Todd EddyBoard Member
Todd SchweigerBoard Member
Angela MortimerSecretary
Patricia SchlimgenTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$242,428
Program Service Revenue
$152,916
Investment Income
$1,888
Other Revenue
$140,124
All Other Contributions
$34,694
Change in Net Assets
$-118,659

Audited Revenue Reconciliation

Revenue per Audited Statements
$553,185
Revenue Not Reported on Financial Statements
$-15,829
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-15,829
Total Revenue per Audited Statements
$553,185
Total Revenue per Form 990
$537,356
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$425,126
Other Expenses$230,889
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$230,812$54,121-$284,933
Current Officers, Directors, Trustees, and Key Employees$64,531$15,360-$79,891
Fees for Services Other$35,503$8,989-$44,492
Payroll Taxes$27,297$6,403-$33,700
Office Expenses$28,144$4,319-$32,463
Other Employee Benefits$21,732$4,870-$26,602
Depreciation Depletion$21,190$4,970-$26,160
Advertising$25,360--$25,360
Occupancy$18,599$4,363-$22,962
Insurance$12,737$2,988-$15,725
Travel$14,653$644-$15,297
Fees for Services Accounting$4,501$1,140-$5,641
Other Expenses$813$1,963-$813
Interest$282--$282
Fees for Services Legal$44$11-$55
Total Functional Expenses$545,874$110,141$0$656,015

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$671,844
Expenses per Audited Statements$656,015
Total Expenses per Form 990$656,015
Expenses Not Reported on Form 990$15,829
Expenses Not Reported on Financial Statements$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
Yes
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 A, Line 2

“Two of the board members are married to each other. Both board members have served on the board for a number of years and served prior to their marriage.”

Form 990, Part VI, Section B, Line 11B

“It is our policy to provide the 990 to the full board prior to filing. Copies are distributed at a regular board meeting and approved by the full board prior to filing. The board chairman or the ceo signs the 990.”

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

“Board members sign a board pledge. Board members and key staff are required to disclose any potential conflicts of interest and sign a conflict of interest form annually. If a board member has a potential conflict of interest they must recuse themselves from participating in any discussion or vote taken in respect to such transaction or service of interest. After disclosing the possible conflict, the board investigates alternatives to the proposed transaction.”

Form 990, Part VI, Section B, Line 15

“Ceo prepares a compensation analysis. Ceo prepares a spreadsheet for the personnel committee listing each position's range, pay, grade, and years of service. The sd occupational wage guide is used to make a comparison for each position. In addition, the most recent nfcc salary survey is used for comparison. The personnel committee reviews the compensation analysis and makes changes as they deem necessary. The personnel committee also reviews percentage increases for the coming year from area businesses, government and non-profit organizations. The personnel committee determines the possible range for salary increases based on the compensation analysis and the financial condition of the agency. The personnel committee makes a recommendation to the board regarding salary ranges and increases in compensation.”

Form 990, Part VI, Section C, Line 19

“These documents are provided to the united way as well as the council on accreditation for children and families, hud and the national foundation for credit counseling. They are also available upon request. The audited financial statements are also available on the organization's website.”

Filing and Contact Details

Filer

Filer Name
Rushmore Consumer Credit Resource Center
EIN
23-7364664
Phone
6053484550
Address
2310 NORTH MAPLE AVENUE, RAPID CITY, SD 57701-7849
Doing Business As
Cccs of the Bh and Acce

Signing Officer

Name
Bonnie Spain
Title
CEO
Phone
6053484550
Signed
2017-05-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bonnie Spain
Formed
1974
Legal Domicile
Sd
Voting Board Members
15
Independent Board Members
15
Employees
11
Volunteers
16

Preparer

Firm
Casey Peterson Ltd
Address
909 ST JOSEPH ST SUITE 101, RAPID CITY, SD 57701
Preparer
Deidre Budahl CPA
Phone
6053481930
Supplemental Narrative

Additional Explanations

Form 990 Part XI Line 2C

“There has been no change in oversight or the selection process of the independent auditor during the year. These processes are performed by the board of directors.”

Financial Statement Notes

PART X, LINE 2:

“As of december 31, 2016, the organization had no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. The organization is no longer subject to federal and state income tax examinations by taxing authorities for years before 2013. Interest and penalties assessed by income taxing authorities, if any, are included in interest expense.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Cost of sales netted against revenues -15,829.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Cost of sales netted against revenues 15,829.”

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IRS990/OtherExpensesGrp/ProgramServicesAmt117077
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IRS990/OtherExpensesGrp/TotalAmt117077
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE 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, MONEY IN MOTION, COUNSELING IN MOTION BK EDITION, AND REBUILDING AFTER BANKRUPTCY. WE HAVE DISTRIBUTED OVER 1,727,6894 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 1,649 INDIVIDUALS.
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Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,348,558
Liabilities
$316,904
Net assets
$1,031,654
Revenue
$537,356
Expenses
$656,015
Net income
-$118,659
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.52$0.10$1.42$0.86$0.35$0.51
2023Detailed filing. Detailed filing data is available for this year.$1.13$0.22$0.91$0.35$0.35$0.01
2022Detailed filing. Detailed filing data is available for this year.$1.15$0.23$0.91$0.33$0.34$0.02
2021Detailed filing. Detailed filing data is available for this year.$1.18$0.25$0.93$0.42$0.49$0.07
2020Detailed filing. Detailed filing data is available for this year.$1.27$0.27$1.00$0.51$0.53$0.02
2019Detailed filing. Detailed filing data is available for this year.$1.32$0.30$1.02$0.67$0.61$0.06
2018Detailed filing. Detailed filing data is available for this year.$1.25$0.29$0.96$0.58$0.61$0.03
2017Detailed filing. Detailed filing data is available for this year.$1.29$0.29$1.00$0.55$0.59$0.04
2016Detailed filing. Detailed filing data is available for this year.$1.35$0.32$1.03$0.54$0.66$0.12
2015Detailed filing. Detailed filing data is available for this year.$1.48$0.33$1.15$0.58$0.65$0.06
2014Detailed filing. Detailed filing data is available for this year.$1.52$0.31$1.21$0.58$0.64$0.06
2013Detailed filing. Detailed filing data is available for this year.$1.61$0.34$1.27$0.72$0.79$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.69$0.35$1.34$0.88
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.86$0.46$1.39$1.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.95$0.48$1.47$1.15