Civic Intelligence

CC Advising Inc.

990 • Fiscal year 2014 • EIN 27-4608416

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 25, 2015

Organization ProfileWWW.CCADVISING.COM
703 Washington AveRoom/Suite 200Bay City, MI 48708

(989) 402-5161

Siviq Scores

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

Liabilities / Assets

98th percentile

5.30x

Higher debt load relative to assets than 98% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Liabilities / Revenue

88th percentile

0.26x

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

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Net Margin

81st percentile

25%

Higher net margin than 81% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Top Officer Pay

85th percentile

$28,174

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 5.8% of source-year revenue.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2014

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2014

Balance Sheet
Liabilities / Assets98th percentile

Assets

$23,568

No earlier filing loaded for comparison.

Net Assets

-$101,429

No earlier filing loaded for comparison.

Liabilities

$124,997

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin81st percentile

Revenue

$482,760

No earlier filing loaded for comparison.

Expenses

$360,636

No earlier filing loaded for comparison.

Net Income

$122,124

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$400K$200K$0-$200KAssets 2014: $23,568Liabilities 2014: $124,997Net Assets 2014: -$101,4292014Assets 2015: $67,529Liabilities 2015: $124,997Net Assets 2015: -$57,4682015Assets 2016: $130,165Liabilities 2016: $124,997Net Assets 2016: $5,1682016Assets 2017: $209,187Liabilities 2017: $131,537Net Assets 2017: $77,6502017Assets 2018: $273,377Liabilities 2018: $124,997Net Assets 2018: $148,3802018Assets 2019: $360,231Liabilities 2019: $124,997Net Assets 2019: $235,2342019Assets 2020: $292,769Liabilities 2020: $124,997Net Assets 2020: $167,7722020Assets 2021: $212,822Liabilities 2021: $0Net Assets 2021: $212,8222021Assets 2022: $156,942Liabilities 2022: $0Net Assets 2022: $156,9422022Assets 2023: $270,488Liabilities 2023: $0Net Assets 2023: $270,4882023Assets 2024: $390,266Liabilities 2024: $0Net Assets 2024: $390,2662024

Highlighted filing

2014

Assets$23,568
Liabilities$124,997
Net Assets-$101,429
Open 2014 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KRevenue 2014: $482,760Expenses 2014: $360,636Net Income 2014: $122,1242014Revenue 2015: $429,152Expenses 2015: $385,191Net Income 2015: $43,9612015Revenue 2016: $665,059Expenses 2016: $602,423Net Income 2016: $62,6362016Revenue 2017: $873,617Expenses 2017: $801,135Net Income 2017: $72,4822017Revenue 2018: $837,659Expenses 2018: $766,929Net Income 2018: $70,7302018Revenue 2019: $820,559Expenses 2019: $733,488Net Income 2019: $87,0712019Revenue 2020: $551,858Expenses 2020: $619,103Net Income 2020: -$67,2452020Revenue 2021: $493,877Expenses 2021: $448,827Net Income 2021: $45,0502021Revenue 2022: $268,457Expenses 2022: $324,337Net Income 2022: -$55,8802022Revenue 2023: $416,268Expenses 2023: $302,722Net Income 2023: $113,5462023Revenue 2024: $424,829Expenses 2024: $305,051Net Income 2024: $119,7782024

Highlighted filing

2014

Revenue$482,760
Expenses$360,636
Net Income$122,124
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 25, 2015
Return Version
2014v5.0
Gross Receipts
$482,760
Mission and Program Overview

Mission

Organized for charitable purposes to provide professional credit counseling to people needing assistance in the management of their personal finances, budgeting, and in the sensible use of credit.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$3,299$20,016▲ $16,717
Land, Buildings, and Equipment, Net$2,000$3,552▲ $1,552
Rtn Earn Endowment Incm Other Fnds$-225,037$-101,429▲ $123,608
Total Assets$5,299$23,568▲ $18,269
Liabilities
Other Liabilities$180,330$124,997▼ $55,333
Accounts Payable and Accrued Expenses$50,006--
Total Liabilities$230,336$124,997▼ $105,339
Net Assets / Fund Balance
Total Net Assets Fund Balance$-225,037$-101,429▲ $123,608
Total Liabilities and Net Assets / Fund Balance$5,299$23,568▲ $18,269

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$3,552$2,617$6,169
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michelle GrandyTreasurerFT$28,174$28,174

Board Members and Trustees

NameTitle
Ryan McdonoughPresident/ S
Michael KarmanDirector
Patrick GallagherDirector
Trevor KeyesDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$482,760
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$122,124
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$252,761
Salaries, Compensation, and Employee Benefits$107,875
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$164,274--$164,274
Other Salaries and Wages$66,182--$66,182
Office Expenses$46,358--$46,358
Current Officers, Directors, Trustees, and Key Employees$28,174--$28,174
Payroll Taxes$13,315--$13,315
Advertising$11,570--$11,570
Travel$8,049--$8,049
Occupancy$6,780--$6,780
Conferences and Meetings$6,615--$6,615
Fees for Services Other$4,126--$4,126
Depreciation Depletion$2,101--$2,101
Fees for Services Accounting$1,049--$1,049
Interest$893--$893
Insurance$798--$798
Other Employee Benefits$204--$204
Information Technology$148--$148
Total Functional Expenses$360,636$0$0$360,636
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
Web Site Development$124,997
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Cc Advising Inc
EIN
27-4608416
Phone
9894025161
Address
703 WASHINGTON AVE, ROOM/SUITE 200, BAY CITY, MI 48708

Signing Officer

Name
Ryan Mcdonough
Title
President
Phone
9894025161
Signed
2015-08-25

Organization Details

Principal Officer
Ryan Mcdonough
Formed
2011
Voting Board Members
3
Independent Board Members
3
Employees
15

Preparer

Firm
Gardner Provenzano Thomas & Luplow
Address
PO BOX 6457, SAGINAW, MI 48608
Preparer
Frederick C Gardner
Phone
9897903900
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“We provide affordable credit counseling to those in need of financial education, however, we do not provide debt management plans and have no intention of doing so in the future. Through an online format, we have been able to provide high quality credit counseling at the lowest possible cost to those in need while consistently maintaining united states trustee approval.”

Form 990, Part XI, Line 9

“Book / tax depreciation difference 1,484”

Raw XML Appendix300 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO REVIEW WAS OR WILL BE CONDUCTED.
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ReturnHeader/Filer/EIN0274608416
ReturnHeader/Filer/PhoneNum09894025161
ReturnHeader/Filer/USAddress/AddressLine1Txt0703 WASHINGTON AVE
ReturnHeader/Filer/USAddress/AddressLine2Txt0ROOM/SUITE 200
ReturnHeader/Filer/USAddress/CityNm0BAY CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048708
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382613351
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GARDNER PROVENZANO THOMAS & LUPLOW
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 6457
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SAGINAW
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd048608
ReturnHeader/PreparerPersonGrp/PhoneNum09897903900
ReturnHeader/PreparerPersonGrp/PreparationDt02015-08-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0FREDERICK C GARDNER
ReturnHeader/ReturnTs02015-08-31T09:04:52-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$23,568
Liabilities
$124,997
Net assets
-$101,429
Revenue
$482,760
Expenses
$360,636
Net income
$122,124
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.90$0.00$3.90$4.25$3.05$1.20
2023Detailed filing. Detailed filing data is available for this year.$2.70$0.00$2.70$4.16$3.03$1.14
2022Detailed filing. Detailed filing data is available for this year.$1.57$0.00$1.57$2.68$3.24$0.56
2021Detailed filing. Detailed filing data is available for this year.$2.13$0.00$2.13$4.94$4.49$0.45
2020Detailed filing. Detailed filing data is available for this year.$2.93$1.25$1.68$5.52$6.19$0.67
2019Detailed filing. Detailed filing data is available for this year.$3.60$1.25$2.35$8.21$7.33$0.87
2018Detailed filing. Detailed filing data is available for this year.$2.73$1.25$1.48$8.38$7.67$0.71
2017Detailed filing. Detailed filing data is available for this year.$2.09$1.32$0.78$8.74$8.01$0.72
2016Detailed filing. Detailed filing data is available for this year.$1.30$1.25$0.05$6.65$6.02$0.63
2015Detailed filing. Detailed filing data is available for this year.$0.68$1.25$0.57$4.29$3.85$0.44
2014Detailed filing. Detailed filing data is available for this year.$0.24$1.25$1.01$4.83$3.61$1.22