Civic Intelligence

Consumer Credit Nationwide

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.

2550 Middle Road Suite 300Bettendorf, IA 52722

www.toomuchdebt.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

75th percentile

0.06x

Higher debt load relative to assets than 75% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

71st percentile

0.02x

Higher debt load relative to revenue than 71% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

55th percentile

4.1%

Higher net margin than 55% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

99th percentile

$68,786

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 80.5% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2022

Asset Growth

62nd percentile

4.9%

Faster asset growth than 62% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2024

Revenue Growth

32nd percentile

-19%

Faster revenue growth than 32% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2024

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

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600K$400K$200K$0-$200K-$400KAssets 2010: $491,542Liabilities 2010: $471,180Net Assets 2010: $20,3622010Assets 2011: $272,108Liabilities 2011: $408,701Net Assets 2011: -$136,5932011Assets 2012: $154,551Liabilities 2012: $377,942Net Assets 2012: -$223,3912012Assets 2013: $108,304Liabilities 2013: $327,742Net Assets 2013: -$219,4382013Assets 2014: $70,719Liabilities 2014: $293,107Net Assets 2014: -$222,3882014Assets 2015: $54,290Liabilities 2015: $292,988Net Assets 2015: -$238,6982015Assets 2016: $41,829Liabilities 2016: $93,012Net Assets 2016: -$51,1832016Assets 2017: $50,458Liabilities 2017: $99,361Net Assets 2017: -$48,9032017Assets 2018: $40,712Liabilities 2018: $95,540Net Assets 2018: -$54,8282018Assets 2019: $13,262Liabilities 2019: $80,047Net Assets 2019: -$66,7852019Assets 2020: $38,022Liabilities 2020: $69,577Net Assets 2020: -$31,5552020Assets 2021: $21,230Liabilities 2021: $7,544Net Assets 2021: $13,6862021Assets 2022: $14,023Liabilities 2022: $9,214Net Assets 2022: $4,8092022Assets 2023: $13,423Liabilities 2023: $1,176Net Assets 2023: $12,2472023Assets 2024: $15,437Liabilities 2024: $890Net Assets 2024: $14,5472024

Highlighted filing

2024

Assets$15,437
Liabilities$890
Net Assets$14,547

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,135,7742010Expenses 2011: $942,9552011Expenses 2012: $704,5252012Revenue 2013: $554,664Expenses 2013: $550,711Net Income 2013: $3,9532013Revenue 2014: $406,947Expenses 2014: $409,897Net Income 2014: -$2,9502014Revenue 2015: $349,532Expenses 2015: $365,842Net Income 2015: -$16,3102015Revenue 2016: $492,135Expenses 2016: $304,620Net Income 2016: $187,5152016Revenue 2017: $275,842Expenses 2017: $273,562Net Income 2017: $2,2802017Revenue 2018: $268,143Expenses 2018: $274,068Net Income 2018: -$5,9252018Revenue 2019: $216,935Expenses 2019: $228,892Net Income 2019: -$11,9572019Revenue 2020: $149,422Expenses 2020: $114,192Net Income 2020: $35,2302020Revenue 2021: $151,180Expenses 2021: $105,939Net Income 2021: $45,2412021Revenue 2022: $85,431Expenses 2022: $94,308Net Income 2022: -$8,8772022Revenue 2023: $63,560Expenses 2023: $56,122Net Income 2023: $7,4382023Revenue 2024: $56,392Expenses 2024: $54,093Net Income 2024: $2,2992024

Highlighted filing

2024

Revenue$56,392
Expenses$54,093
Net Income$2,299

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.02$0.00$0.01$0.06$0.05$0.00
2023Detailed filing. Detailed filing data is available for this year.$0.01$0.00$0.01$0.06$0.06$0.01
2022Detailed filing. Detailed filing data is available for this year.$0.01$0.01$0.00$0.09$0.09$0.01
2021Detailed filing. Detailed filing data is available for this year.$0.02$0.01$0.01$0.15$0.11$0.05
2020Detailed filing. Detailed filing data is available for this year.$0.04$0.07$0.03$0.15$0.11$0.04
2019Detailed filing. Detailed filing data is available for this year.$0.01$0.08$0.07$0.22$0.23$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.04$0.10$0.05$0.27$0.27$0.01
2017Detailed filing. Detailed filing data is available for this year.$0.05$0.10$0.05$0.28$0.27$0.00
2016Detailed filing. Detailed filing data is available for this year.$0.04$0.09$0.05$0.49$0.30$0.19
2015Detailed filing. Detailed filing data is available for this year.$0.05$0.29$0.24$0.35$0.37$0.02
2014Detailed filing. Detailed filing data is available for this year.$0.07$0.29$0.22$0.41$0.41$0.00
2013Detailed filing. Detailed filing data is available for this year.$0.11$0.33$0.22$0.55$0.55$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.15$0.38$0.22$0.70
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.27$0.41$0.14$0.94
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.49$0.47$0.02$1.14
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 13, 2025
Return Version
2024v5.0
Gross Receipts
$56,392
Mission and Program Overview

Mission

To provide counseling and education to individuals and families struggling with consumer debt so that they may obtain financial security.

Program Services

DescriptionGrantsExpenses
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
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
R BRIAN DELANEYCEOFT$1,923-$1,923
MARGARET O DELANEYPresidentFT$0--
BRETT BENSONDirector-$0--
ALAN RASKIEDirector-$0--
MARK DANTDirector-$0--
MICHAEL E WHEATLEYDirector-$0--
Filing and Contact Details

Filer

Filer Name
Consumer Credit Nationwide
EIN
33-1020848
Phone
5633598830
Address
2550 MIDDLE ROAD SUITE 300, BETTENDORF, IA 52722

Signing Officer

Name
R Brian Delaney
Title
CEO
Phone
5633598830
Signed
2025-10-13
Discuss with paid preparer
Yes

Preparer

Firm
Anderson Lower Whitlow Pc
Address
1805 STATE ST STE 201, BETTENDORF, IA 52722
Preparer
Barry L Anderson
Phone
5633594757
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

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

Form 990-ez, Part II, Line 24

Accounts receivable 4,938 4,730 deposits 665 665 total 5,603 5,395

Form 990-ez, Part II, Line 26

Accounts payable and accrued expenses 1,175 890

Form 990-ez, Part III

To provide counseling and education to individuals and families struggling with consumer debt so that they may obtain financial security.

Form 990-ez, Part III, Line 28

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.

Raw XML Appendix167 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/ExplanationTxt0EXPENSES 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/ExplanationTxt1ACCOUNTS RECEIVABLE 4,938 4,730 DEPOSITS 665 665 TOTAL 5,603 5,395
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ACCOUNTS PAYABLE AND ACCRUED EXPENSES 1,175 890
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3TO PROVIDE COUNSELING AND EDUCATION TO INDIVIDUALS AND FAMILIES STRUGGLING WITH CONSUMER DEBT SO THAT THEY MAY OBTAIN FINANCIAL SECURITY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE 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.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART II, LINE 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART III
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990-EZ, PART III, LINE 28
ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/TaxPeriodEndDt02024-12-31
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