Civic Intelligence

A Debt Coach Credit Counseling Service Inc.

990 • Fiscal year 2017 • EIN 31-1353001

Jan 01, 2017 to Dec 31, 2017 • Filed on May 15, 2018

Organization ProfileWWW.ADEBTCOACH.ORG
71 Cavalier Blvd 224Florence, KY 41042

(888) 767-9155

Siviq Scores

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

Liabilities / Assets

91st percentile

0.60x

Higher debt load relative to assets than 91% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Liabilities / Revenue

81st percentile

0.08x

Higher debt load relative to revenue than 81% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Net Margin

59th percentile

7.8%

Higher net margin than 59% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Top Officer Pay

90th percentile

$42,114

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 10.7% of source-year revenue.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Asset Growth

56th percentile

6.0%

Faster asset growth than 56% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Revenue Growth

95th percentile

141%

Faster revenue growth than 95% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$53,178

Up $3,024 (+6.0%) from 2016

Net Assets

Up

$21,201

Up $15,009 (+242%) from 2016

Liabilities

Down

$31,977

Down $11,985 (-27%) from 2016

Revenue And Expenses
Liabilities / Revenue81st percentileNet Margin59th percentile

Revenue

Up

$392,036

Up $229,445 (+141%) from 2016

Expenses

Up

$361,528

Up $206,181 (+133%) from 2016

Net Income

Up

$30,508

Up $23,264 (+321%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$300K$200K$100K$0-$100KAssets 2013: $187,332Liabilities 2013: $256,644Net Assets 2013: -$69,3122013Assets 2015: $49,572Liabilities 2015: $50,624Net Assets 2015: -$1,0522015Assets 2016: $50,154Liabilities 2016: $43,962Net Assets 2016: $6,1922016Assets 2017: $53,178Liabilities 2017: $31,977Net Assets 2017: $21,2012017Assets 2018: $127,863Liabilities 2018: $91,939Net Assets 2018: $35,9242018Assets 2019: $117,687Liabilities 2019: $79,630Net Assets 2019: $38,0572019Assets 2021: $126,947Liabilities 2021: $49,311Net Assets 2021: $77,6362021Assets 2022: $97,616Liabilities 2022: $19,241Net Assets 2022: $78,3752022Assets 2023: $90,318Liabilities 2023: $7,905Net Assets 2023: $82,4132023Assets 2024: $76,040Liabilities 2024: $15,705Net Assets 2024: $60,3352024

Highlighted filing

2017

Assets$53,178
Liabilities$31,977
Net Assets$21,201
Open 2017 Filing

Operations Trend

Revenue Growth95th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2013: $482,930Expenses 2013: $541,111Net Income 2013: -$58,1812013Revenue 2015: $175,089Expenses 2015: $235,517Net Income 2015: -$60,4282015Revenue 2016: $162,591Expenses 2016: $155,347Net Income 2016: $7,2442016Revenue 2017: $392,036Expenses 2017: $361,528Net Income 2017: $30,5082017Revenue 2018: $987,562Expenses 2018: $972,839Net Income 2018: $14,7232018Revenue 2019: $1,181,587Expenses 2019: $1,179,454Net Income 2019: $2,1332019Revenue 2021: $911,124Expenses 2021: $892,386Net Income 2021: $18,7382021Revenue 2022: $507,183Expenses 2022: $506,444Net Income 2022: $7392022Revenue 2023: $441,874Expenses 2023: $437,836Net Income 2023: $4,0382023Revenue 2024: $158,074Expenses 2024: $180,152Net Income 2024: -$22,0782024

Highlighted filing

2017

Revenue$392,036
Expenses$361,528
Net Income$30,508
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 15, 2018
Return Version
2017v2.3
Gross Receipts
$392,036
Mission and Program Overview

Mission

To provide debt management counseling services and money management education for clients.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$5,318$11,592▲ $6,274
Prepaid Expenses and Deferred Charges$1,808$8,759▲ $6,951
Total Assets$50,154$53,178▲ $3,024
Other Assets Total$43,028$32,827▼ $10,201
Liabilities
Escrow Account Liability$42,178$31,977▼ $10,201
Accounts Payable and Accrued Expenses$1,784--
Total Liabilities$43,962$31,977▼ $11,985
Net Assets / Fund Balance
Unrestricted Net Assets$6,192$21,201▲ $15,009
Total Net Assets Fund Balance$6,192$21,201▲ $15,009
Total Liabilities and Net Assets / Fund Balance$50,154$53,178▲ $3,024

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$850--
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Louis WilliamsPresidentFT$42,114$42,114

Board Members and Trustees

NameTitle
Michael EubanksChairman
Donna ParkerBoard Member
Jessica CruzBoard Member
Judith ReuschBoard Member
Kellie HinelyBoard Member
Maria MenendezBoard Member
Samuel CutruzzulaBoard Member
Todd BreckelBoard Member
Todd IlliesBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$392,036
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$30,508

Audited Revenue Reconciliation

Revenue per Audited Statements
$392,036
Total Revenue per Audited Statements
$392,036
Total Revenue per Form 990
$392,036
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$280,364
Salaries, Compensation, and Employee Benefits$81,164
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Advertising$68,981--$68,981
Fees for Services Other$25,074$25,075-$50,149
Current Officers, Directors, Trustees, and Key Employees$31,586$10,528-$42,114
Other Salaries and Wages$21,614$7,205-$28,819
Office Expenses$26,330$1,687-$28,017
Occupancy$10,584$1,867-$12,451
Payroll Taxes$7,673$2,558-$10,231
Information Technology$8,537--$8,537
All Other Expenses$7,169$589-$7,758
Other Expenses$7,673--$7,673
Insurance$4,448$785-$5,233
Fees for Services Accounting$3,735$1,245-$4,980
Travel$1,665$1,627-$3,292
Fees for Services Legal$230$230-$460
Total Functional Expenses$308,132$53,396$0$361,528

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$361,528
Total Expenses per Audited Statements$361,528
Total Expenses per Form 990$361,528
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
Backup withholding compliance
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
Yes
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

“Draft return presented to board for review prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“Policy is discussed at regular board meetings.”

Form 990, Page 6, Part VI, Line 19

“Governing documents are made available in electronic form upon written request.”

Filing and Contact Details

Filer

Filer Name
A Debt Coach Credit Counseling
EIN
31-1353001
Phone
8887679155
Address
71 CAVALIER BLVD 224, FLORENCE, KY 41042

Signing Officer

Name
Louis Williams
Title
President
Phone
8887679155
Signed
2018-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Louis Williams
Legal Domicile
Ky
Voting Board Members
9
Independent Board Members
9
Employees
7

Preparer

Firm
Deluca Accountancy Corp
Address
23001 E LA PALMA AVE STE 220A, YORBA LINDA, CA 92887-4770
Preparer
Michael F Deluca CPA
Phone
7146928206
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Consulting 25,074 25,075 0”

Form 990, Part XI, Line 9

“Repayment of loans not recorded -15,499 comapny repaid loans from prior years that were not recored on the books and records of the comapny.”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Organization collects client debt payments and administers them with creditors”

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DRAFT RETURN PRESENTED TO BOARD FOR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1POLICY IS DISCUSSED AT REGULAR BOARD MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2GOVERNING DOCUMENTS ARE MADE AVAILABLE IN ELECTRONIC FORM UPON WRITTEN REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CONSULTING 25,074 25,075 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4REPAYMENT OF LOANS NOT RECORDED -15,499 COMAPNY REPAID LOANS FROM PRIOR YEARS THAT WERE NOT RECORED ON THE BOOKS AND RECORDS OF THE COMAPNY.
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IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0308132
IRS990/TotalFunctionalExpensesGrp/TotalAmt0361528
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt043962
IRS990/TotalLiabilitiesEOYAmt031977
IRS990/TotalLiabilitiesGrp/BOYAmt043962
IRS990/TotalLiabilitiesGrp/EOYAmt031977
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IRS990/TravelGrp/ProgramServicesAmt01665
IRS990/TravelGrp/TotalAmt03292
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IRS990/VotingMembersIndependentCnt09
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ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0A DEBT COACH CREDIT COUNSELING
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0SERVICE
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ReturnHeader/FilingSecurityInformation/IPDt02018-11-14
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm012:28:30
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0YORBA LINDA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0928874770
ReturnHeader/PreparerPersonGrp/PhoneNum07146928206
ReturnHeader/PreparerPersonGrp/PreparationDt02018-11-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL F DELUCA CPA
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ReturnHeader/ReturnTs02018-11-14T13:28:30-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$53,178
Liabilities
$31,977
Net assets
$21,201
Revenue
$392,036
Expenses
$361,528
Net income
$30,508
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.08$0.02$0.06$0.16$0.18$0.02
2023Detailed filing. Detailed filing data is available for this year.$0.09$0.01$0.08$0.44$0.44$0.00
2022Detailed filing. Detailed filing data is available for this year.$0.10$0.02$0.08$0.51$0.51$0.00
2021Detailed filing. Detailed filing data is available for this year.$0.13$0.05$0.08$0.91$0.89$0.02
2019Detailed filing. Detailed filing data is available for this year.$0.12$0.08$0.04$1.18$1.18$0.00
2018Detailed filing. Detailed filing data is available for this year.$0.13$0.09$0.04$0.99$0.97$0.01
2017Detailed filing. Detailed filing data is available for this year.$0.05$0.03$0.02$0.39$0.36$0.03
2016Detailed filing. Detailed filing data is available for this year.$0.05$0.04$0.01$0.16$0.16$0.01
2015Detailed filing. Detailed filing data is available for this year.$0.05$0.05$0.00$0.18$0.24$0.06
2013Detailed filing. Detailed filing data is available for this year.$0.19$0.26$0.07$0.48$0.54$0.06