Liabilities / Assets
75th percentile
Higher debt load relative to assets than 75% of similar nonprofits.
EIN 33-1020848 • 501(c)3 • Bettendorf, IA
Profile
To provide counseling and education to individuals and families struggling with consumer debt so that they may obtain financial security.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
75th percentile
Higher debt load relative to assets than 75% of similar nonprofits.
Liabilities / Revenue
71st percentile
Higher debt load relative to revenue than 71% of similar nonprofits.
Net Margin
55th percentile
Higher net margin than 55% of similar nonprofits.
Top Officer Pay
99th percentile
Higher top officer pay than 99% of similar nonprofits.
Top officer pay equals 80.5% of source-year revenue.
Asset Growth
62nd percentile
Faster asset growth than 62% of similar nonprofits.
Revenue Growth
32nd percentile
Faster revenue growth than 32% of similar nonprofits.
Assets
Up$15,437
Up $2,014 (+15%) from 2023
Liabilities
Down$890
Down $286 (-24%) from 2023
Net Assets
Up$14,547
Up $2,300 (+19%) from 2023
Revenue
Down$56,392
Down $7,168 (-11%) from 2023
Expenses
Down$54,093
Down $2,029 (-3.6%) from 2023
Net Income
Down$2,299
Down $5,139 (-69%) from 2023
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
To provide counseling and education to individuals and families struggling with consumer debt so that they may obtain financial security.
| Description | Grants | Expenses |
|---|---|---|
| THE ORGANIZATION PROVIDES EDUCATION AND COUNSELING TO CONSUMERS SEEKING BUDGET AND FINANCIAL ADVICE. DURING 2024, THE ORGANIZATION PROVIDED FREE BUDGET AND CREDIT COUNSELING SERVICES TO 110 INDIVIDUALS AND FAMILIES WHO HAD AN AVERAGE UNSECURED DEBT BALANCE OF 23,025. | - | $32,842 |
| THE ORGANIZATION'S WEB SITES INCLUDE SIGNIFICANT EDUCATIONAL MATERIAL THAT WAS VIEWED BY 4,792 UNIQUE PEOPLE. | - | $851 |
| THE ORGANIZATION IS AVAILABLE TO SPEAK TO GROUPS UPON REQUEST ABOUT THE WISE USE OF CREDIT, DEBT, AND BUDGETING. | - | $346 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| R BRIAN DELANEY | CEO | FT | $1,923 | - | $1,923 |
| MARGARET O DELANEY | President | FT | $0 | - | - |
| BRETT BENSON | Director | - | $0 | - | - |
| ALAN RASKIE | Director | - | $0 | - | - |
| MARK DANT | Director | - | $0 | - | - |
| MICHAEL E WHEATLEY | Director | - | $0 | - | - |
“Expenses advertising & promotion 587 telephone 6,905 postage 404 software 3,019 copier 94 insurance expense 1,058 dues & subscriptions 1,714 other expenses 391 bank service charges 150 total 14,322”
“Accounts receivable 4,938 4,730 deposits 665 665 total 5,603 5,395”
“Accounts payable and accrued expenses 1,175 890”
“To provide counseling and education to individuals and families struggling with consumer debt so that they may obtain financial security.”
“The organization provides education and counseling to consumers seeking budget and financial advice. During 2024, the organization provided free budget and credit counseling services to 110 individuals and families who had an average unsecured debt balance of 23,025.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | R BRIAN DELANEY |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 5633598830 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2550 MIDDLE ROAD SUITE 300 |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | BETTENDORF |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IA |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 52722 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 7820 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 10042 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 2299 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 1340 |
| IRS990EZ/FiledScheduleAInd | 0 | true |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 13423 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 15437 |
| IRS990EZ/GrossReceiptsAmt | 0 | 56392 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/LobbyingActivitiesInd | 0 | false |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 12248 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 14547 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 12248 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 14547 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 9602 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 40.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 40.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 1923 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | R BRIAN DELANEY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | MARGARET O DELANEY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | BRETT BENSON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | ALAN RASKIE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | MARK DANT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | MICHAEL E WHEATLEY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | CEO |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | DIRECTOR |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 5603 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 5395 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 14322 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | TO PROVIDE COUNSELING AND EDUCATION TO INDIVIDUALS AND FAMILIES STRUGGLING WITH CONSUMER DEBT SO THAT THEY MAY OBTAIN FINANCIAL SECURITY. |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 56392 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | THE ORGANIZATION PROVIDES EDUCATION AND COUNSELING TO CONSUMERS SEEKING BUDGET AND FINANCIAL ADVICE. DURING 2024, THE ORGANIZATION PROVIDED FREE BUDGET AND CREDIT COUNSELING SERVICES TO 110 INDIVIDUALS AND FAMILIES WHO HAD AN AVERAGE UNSECURED DEBT BALANCE OF 23,025. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 1 | THE ORGANIZATION IS AVAILABLE TO SPEAK TO GROUPS UPON REQUEST ABOUT THE WISE USE OF CREDIT, DEBT, AND BUDGETING. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 2 | THE ORGANIZATION'S WEB SITES INCLUDE SIGNIFICANT EDUCATIONAL MATERIAL THAT WAS VIEWED BY 4,792 UNIQUE PEOPLE. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 32842 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 1 | 346 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 2 | 851 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 28829 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | false |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 1175 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 890 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 54093 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 34039 |
| IRS990EZ/TotalRevenueAmt | 0 | 56392 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | WWW.TOOMUCHDEBT.COM |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 7000 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 45848 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt | 0 | 52848 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 3 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 165 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 7 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 7 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 182 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 56392 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 63557 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 78265 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 105325 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 149415 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 452954 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt | 0 | 3 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt | 0 | 165 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt | 0 | 7 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt | 0 | 7 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 182 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.00000 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.00000 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.99960 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.99970 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 505802 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 56392 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 63557 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 85265 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 151173 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 149415 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 505802 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 56392 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 63560 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 85430 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 151180 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 149422 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 505984 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | EXPENSES ADVERTISING & PROMOTION 587 TELEPHONE 6,905 POSTAGE 404 SOFTWARE 3,019 COPIER 94 INSURANCE EXPENSE 1,058 DUES & SUBSCRIPTIONS 1,714 OTHER EXPENSES 391 BANK SERVICE CHARGES 150 TOTAL 14,322 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | ACCOUNTS RECEIVABLE 4,938 4,730 DEPOSITS 665 665 TOTAL 5,603 5,395 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | ACCOUNTS PAYABLE AND ACCRUED EXPENSES 1,175 890 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | TO PROVIDE COUNSELING AND EDUCATION TO INDIVIDUALS AND FAMILIES STRUGGLING WITH CONSUMER DEBT SO THAT THEY MAY OBTAIN FINANCIAL SECURITY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE ORGANIZATION PROVIDES EDUCATION AND COUNSELING TO CONSUMERS SEEKING BUDGET AND FINANCIAL ADVICE. DURING 2024, THE ORGANIZATION PROVIDED FREE BUDGET AND CREDIT COUNSELING SERVICES TO 110 INDIVIDUALS AND FAMILIES WHO HAD AN AVERAGE UNSECURED DEBT BALANCE OF 23,025. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART II, LINE 24 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART II, LINE 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART III |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990-EZ, PART III, LINE 28 |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | R BRIAN DELANEY |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 5633598830 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-10-13 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | CONSUMER CREDIT NATIONWIDE |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | CONS |
| ReturnHeader/Filer/EIN | 0 | 331020848 |
| ReturnHeader/Filer/PhoneNum | 0 | 5633598830 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 2550 MIDDLE ROAD SUITE 300 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | BETTENDORF |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | IA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 52722 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 421394940 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | ANDERSON LOWER WHITLOW PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 1805 STATE ST STE 201 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | BETTENDORF |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | IA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 52722 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5633594757 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-10-13 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | BARRY L ANDERSON |
| ReturnHeader/ReturnTs | 0 | 2025-10-15T08:33:04-04:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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