Civic Intelligence

A Debt Coach Credit Counseling Service Inc.

990 • Fiscal year 2019 • EIN 31-1353001

Jan 01, 2019 to Dec 31, 2019 • Filed on Aug 17, 2020

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

86th percentile

0.68x

Higher debt load relative to assets than 86% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

45th percentile

0.07x

Higher debt load relative to revenue than 45% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Net Margin

40th percentile

0.2%

Higher net margin than 40% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

47th percentile

$54,000

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 4.6% of source-year revenue.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Asset Growth

14th percentile

-8.0%

Faster asset growth than 14% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

74th percentile

20%

Faster revenue growth than 74% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets86th percentile

Assets

Down

$117,687

Down $10,176 (-8.0%) from 2018

Net Assets

Up

$38,057

Up $2,133 (+5.9%) from 2018

Liabilities

Down

$79,630

Down $12,309 (-13%) from 2018

Revenue And Expenses
Liabilities / Revenue45th percentileNet Margin40th percentile

Revenue

Up

$1,181,587

Up $194,025 (+20%) from 2018

Expenses

Up

$1,179,454

Up $206,615 (+21%) from 2018

Net Income

Down

$2,133

Down $12,590 (-86%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth14th 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

2019

Assets$117,687
Liabilities$79,630
Net Assets$38,057
Open 2019 Filing

Operations Trend

Revenue Growth74th 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

2019

Revenue$1,181,587
Expenses$1,179,454
Net Income$2,133
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Aug 17, 2020
Return Version
2019v5.0
Gross Receipts
$1,181,587
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$27,857$25,714▼ $2,143
Cash and Non-Interest-Bearing Accounts$15,065$21,140▲ $6,075
Prepaid Expenses and Deferred Charges$10,657$11,162▲ $505
Total Assets$127,863$117,687▼ $10,176
Other Assets Total$74,284$59,671▼ $14,613
Liabilities
Escrow Account Liability$73,434$58,821▼ $14,613
Accounts Payable and Accrued Expenses$18,505$20,809▲ $2,304
Total Liabilities$91,939$79,630▼ $12,309
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$35,924$38,057▲ $2,133
Total Net Assets Fund Balance$35,924$38,057▲ $2,133
Total Liabilities and Net Assets / Fund Balance$127,863$117,687▼ $10,176

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$25,714$42,901-
Other Assets Org$850--
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Louis WilliamsPresidentFT$54,000$54,000

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
$1,181,587
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$2,133

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,181,587
Total Revenue per Audited Statements
$1,181,587
Total Revenue per Form 990
$1,181,587
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$876,698
Salaries, Compensation, and Employee Benefits$302,756
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$338,494--$338,494
Advertising$317,595--$317,595
Other Salaries and Wages$206,636$68,879-$275,515
Office Expenses$39,423$13,141-$52,564
Payroll Taxes$20,431$6,810-$27,241
Fees for Services Accounting$18,958$6,319-$25,277
Occupancy$10,663$1,882-$12,545
Conferences and Meetings$8,363--$8,363
Insurance$5,148$908-$6,056
Travel$2,791$2,792-$5,583
Other Expenses$5,520$1,212-$5,520
All Other Expenses$5,230--$5,230
Depreciation Depletion$2,143--$2,143
Total Functional Expenses$1,077,511$101,943$0$1,179,454

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,179,454
Total Expenses per Audited Statements$1,179,454
Total Expenses per Form 990$1,179,454
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 35% controlled entity
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
2020-08-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Louis Williams
Legal Domicile
Ky
Voting Board Members
9
Independent Board Members
9
Employees
1

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

“Processing 336,500 0 0 refunds/bad debts 1,994 0 0 total 338,494 0 0”

Form 990, Part XI, Line 9

“Repayment of loans not recorded 0”

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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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0392036
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0162591
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0176950
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt02900726
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/ExpensesSubtotalAmt01179454
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt058821
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1850
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0CLIENT ESCROW FUNDS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1DEPOSITS
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt025714
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt042901
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt068615
IRS990ScheduleD/RevenueSubtotalAmt01181587
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ORGANIZATION COLLECTS CLIENT DEBT PAYMENTS AND ADMINISTERS THEM WITH CREDITORS
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt025714
IRS990ScheduleD/TotalBookValueOtherAssetsAmt059671
IRS990ScheduleD/TotalExpensesPerForm990Amt01179454
IRS990ScheduleD/TotalRevenuePerForm990Amt01181587
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01181587
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01179454
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
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/ExplanationTxt3PROCESSING 336,500 0 0 REFUNDS/BAD DEBTS 1,994 0 0 TOTAL 338,494 0 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4REPAYMENT OF LOANS NOT RECORDED 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0AK
IRS990/StatesWhereCopyOfReturnIsFldCd1AR
IRS990/StatesWhereCopyOfReturnIsFldCd2CA
IRS990/StatesWhereCopyOfReturnIsFldCd3FL
IRS990/StatesWhereCopyOfReturnIsFldCd4GA
IRS990/StatesWhereCopyOfReturnIsFldCd5KY
IRS990/StatesWhereCopyOfReturnIsFldCd6OH
IRS990/StatesWhereCopyOfReturnIsFldCd7LA
IRS990/StatesWhereCopyOfReturnIsFldCd8MO
IRS990/StatesWhereCopyOfReturnIsFldCd9NC
IRS990/StatesWhereCopyOfReturnIsFldCd10VA
IRS990/StatesWhereCopyOfReturnIsFldCd11WA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0127863
IRS990/TotalAssetsEOYAmt0117687
IRS990/TotalAssetsGrp/BOYAmt0127863
IRS990/TotalAssetsGrp/EOYAmt0117687
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0101943
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01077511
IRS990/TotalFunctionalExpensesGrp/TotalAmt01179454
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt091939
IRS990/TotalLiabilitiesEOYAmt079630
IRS990/TotalLiabilitiesGrp/BOYAmt091939
IRS990/TotalLiabilitiesGrp/EOYAmt079630
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt035924
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt038057
IRS990/TotalProgramServiceExpensesAmt01077511
IRS990/TotalProgramServiceRevenueAmt01181587
IRS990/TotalReportableCompFromOrgAmt054000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01181587
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01181587
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0127863
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0117687
IRS990/TravelGrp/ManagementAndGeneralAmt02792
IRS990/TravelGrp/ProgramServicesAmt02791
IRS990/TravelGrp/TotalAmt05583
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 913
IRS990/USAddress/CityNm0UNION
IRS990/USAddress/StateAbbreviationCd0KY
IRS990/USAddress/ZIPCd041091
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-09-22 18:59:49Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LOUIS WILLIAMS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08887679155
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-08-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0A DEBT COACH CREDIT COUNSELING
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0SERVICE
ReturnHeader/Filer/BusinessNameControlTxt0ADEB
ReturnHeader/Filer/EIN0311353001
ReturnHeader/Filer/PhoneNum08887679155
ReturnHeader/Filer/USAddress/AddressLine1Txt071 CAVALIER BLVD 224
ReturnHeader/Filer/USAddress/CityNm0FLORENCE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KY
ReturnHeader/Filer/USAddress/ZIPCd041042
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId00A69BFCE63AB0A3B6D64476B89443BABE5D5885C
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId07AF938E0C1719636B0EC2F2F858AF7D7EF4C4053
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt052.38.98.93
ReturnHeader/FilingSecurityInformation/IPDt02020-08-17
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm014:49:09
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0043589960
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DELUCA ACCOUNTANCY CORP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt023001 E LA PALMA AVE STE 220A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0YORBA LINDA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0928874770
ReturnHeader/PreparerPersonGrp/PhoneNum07146928206
ReturnHeader/PreparerPersonGrp/PreparationDt02020-08-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL F DELUCA CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02020-08-17T14:49:09-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$117,687
Liabilities
$79,630
Net assets
$38,057
Revenue
$1,181,587
Expenses
$1,179,454
Net income
$2,133
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