Civic Intelligence

Brights Financial Consumer Credit Counseling Inc

EIN 37-1757630 • 501(c)3 • San Diego, CA

Profile

Consumer Credit Counseling

4510 58th StreetSan Diego, CA 92115
Siviq Scores

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

Liabilities / Assets

93rd percentile

0.96x

Higher debt load relative to assets than 93% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

97th percentile

2.32x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Net Margin

44th percentile

-0.1%

Higher net margin than 44% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2018

Asset Growth

50th percentile

-1.9%

Faster asset growth than 50% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

74th percentile

23%

Faster revenue growth than 74% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$28,929

Down $575 (-1.9%) from 2017

Liabilities

Down

$27,899

Down $557 (-2.0%) from 2017

Net Assets

Down

$1,030

Down $18 (-1.7%) from 2017

Operations
Liabilities / Revenue97th percentileNet Margin44th percentile

Revenue

Up

$12,000

Up $2,240 (+23%) from 2017

Expenses

Up

$12,018

Up $1,158 (+11%) from 2017

Net Income

Up

-$18

Up $1,082 (+98%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth50th percentile

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

$40K$30K$20K$10K$0-$10KAssets 2015: $29,406Liabilities 2015: $33,009Net Assets 2015: -$3,6032015Assets 2016: $25,376Liabilities 2016: $26,065Net Assets 2016: -$6892016Assets 2017: $29,504Liabilities 2017: $28,456Net Assets 2017: $1,0482017Assets 2018: $28,929Liabilities 2018: $27,899Net Assets 2018: $1,0302018

Highlighted filing

2018

Assets$28,929
Liabilities$27,899
Net Assets$1,030
Open 2018 Filing

Operations Trend

Revenue Growth74th percentile

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

$20K$10K$0-$10KRevenue 2015: $17,200Expenses 2015: $19,540Net Income 2015: -$2,3402015Revenue 2016: $13,200Expenses 2016: $10,286Net Income 2016: $2,9142016Revenue 2017: $9,760Expenses 2017: $10,860Net Income 2017: -$1,1002017Revenue 2018: $12,000Expenses 2018: $12,018Net Income 2018: -$182018

Highlighted filing

2018

Revenue$12,000
Expenses$12,018
Net Income-$18
Open 2018 Filing

Filings

Most recent year

2018 • Form 990EZXML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$28,929
Liabilities
$27,899
Net assets
$1,030
Revenue
$12,000
Expenses
$12,018
Net income
-$18
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.9$27.9$1.03$12.0$12.0$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.5$28.5$1.05$9.76$10.9$1.10
2016Detailed filing. Detailed filing data is available for this year.$25.4$26.1$0.69$13.2$10.3$2.91
2015Detailed filing. Detailed filing data is available for this year.$29.4$33.0$3.60$17.2$19.5$2.34
Latest Detailed Filing

The latest 2018 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2016 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 4, 2017
Return Version
2016v3.0
Gross Receipts
$13,200
Mission and Program Overview

Mission

Consumer credit counseling

Program Services

DescriptionGrantsExpenses
THE ORGANIZATION IS SLATED TO GO INTO OPERATION JULY 1 2015 BUT HAVE NOT DUE TO REGULATORY REQUIREMENTS IMPOSED BY CA DEPT OF BUS OVERSIGHT--CASH RESERVE POSTING BONDS AND OTHER--
GAVE 3 PUBLIC LECTURES ON CREDIT MANAGEMENT BUT NO CREDIT COUNSELING FOR INDIVIDUALS YET PENDING LICENSING FROM CA DEPT OF BUS OVERSIGHT--
INTRODUCING STUDENT LOAN COUNSELING AND DEBT SETTLEMENT--
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
SYLVESTER O ADIGWE CCCExecutive DirectorPT$0--
Filing and Contact Details

Filer

Filer Name
Brights Financial Consumer Credit Counseling Inc
EIN
37-1757630
Address
4510 58TH STREET, SAN DIEGO, CA 92115

Signing Officer

Name
Sylvester O Adigwe Ccc
Title
Executive Direc
Phone
6192651004
Signed
2017-05-04
Discuss with paid preparer
Yes

Preparer

Firm
Brights Financial & Tax Service
Address
4510 58th Street Ste B, San Diego, CA 92115
Preparer
Sylvester O Adigwe CPA
Phone
6192651004
Supplemental Narrative

Additional Explanations

Description of other expenses Part I line 16

“Description amountdepreciation from 4562 6,541office supplies 292licesing bonds 2,300facility and equip 292travel and meetings 383wages & payroll exp 478”

Description of total liabilities Part II line 26

“Category beginning of year end of yearother liabilities 33,009 26,065”

Raw XML Appendix124 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.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0SYLVESTER O ADIGWE CCC
IRS990EZ/BooksInCareOfDetail/PhoneNum06192651004
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt04510 58TH STREET
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0SAN DIEGO
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd092115
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt02837
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt00
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt02914
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/Form990TotalAssetsGrp/BOYAmt029406
IRS990EZ/Form990TotalAssetsGrp/EOYAmt025376
IRS990EZ/GrossReceiptsAmt013200
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LandAndBuildingsGrp/BOYAmt026569
IRS990EZ/LandAndBuildingsGrp/EOYAmt025376
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0-3603
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-689
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0-3603
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-689
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt025.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0SYLVESTER O ADIGWE CCC
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0EXECUTIVE DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherExpensesTotalAmt010286
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PrimaryExemptPurposeTxt0CONSUMER CREDIT COUNSELING
IRS990EZ/ProgramServiceRevenueAmt013200
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0THE ORGANIZATION IS SLATED TO GO INTO OPERATION JULY 1 2015 BUT HAVE NOT DUE TO REGULATORY REQUIREMENTS IMPOSED BY CA DEPT OF BUS OVERSIGHT--CASH RESERVE POSTING BONDS AND OTHER
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1GAVE 3 PUBLIC LECTURES ON CREDIT MANAGEMENT BUT NO CREDIT COUNSELING FOR INDIVIDUALS YET PENDING LICENSING FROM CA DEPT OF BUS OVERSIGHT
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2INTRODUCING STUDENT LOAN COUNSELING AND DEBT SETTLEMENT
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt033009
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt026065
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt010286
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt013200
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.BRIGHTSFINANCIAL.ORG
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt013200
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt017200
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0500
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt030900
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0500
IRS990ScheduleA/PrivateFoundation170Ind0X
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.03620
IRS990ScheduleA/PublicSupportPY170Pct00.04820
IRS990ScheduleA/PublicSupportTotal170Amt01118
IRS990ScheduleA/SubstantialContributorsTotAmt029782
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt013200
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt017200
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0500
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt030900
IRS990ScheduleA/TotalSupportAmt030900
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION AMOUNTDEPRECIATION FROM 4562 6,541OFFICE SUPPLIES 292LICESING BONDS 2,300FACILITY AND EQUIP 292TRAVEL AND MEETINGS 383WAGES & PAYROLL EXP 478
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CATEGORY BEGINNING OF YEAR END OF YEAROTHER LIABILITIES 33,009 26,065
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Description of other expenses Part I line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Description of total liabilities Part II line 26
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SYLVESTER O ADIGWE CCC
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIREC
ReturnHeader/BusinessOfficerGrp/PhoneNum06192651004
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BRIGHTS FINANCIAL CONSUMER CREDIT COUNSELING INC
ReturnHeader/Filer/BusinessNameControlTxt0BRIG
ReturnHeader/Filer/EIN0371757630
ReturnHeader/Filer/USAddress/AddressLine1Txt04510 58TH STREET
ReturnHeader/Filer/USAddress/CityNm0SAN DIEGO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd092115
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0AB94FCE8AEE215E30C197CB50FDD1A8192A616D6
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0AB94FCE8AEE215E30C197CB50FDD1A8192A616D6
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03363762017320vjdt1vy
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-11-16
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0107.204.77.12
ReturnHeader/FilingSecurityInformation/IPDt02017-11-16
ReturnHeader/FilingSecurityInformation/IPTm000:21:38
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0911950173
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Brights Financial & Tax Service
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04510 58th Street Ste B
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0San Diego
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd092115
ReturnHeader/PreparerPersonGrp/PhoneNum06192651004
ReturnHeader/PreparerPersonGrp/PreparationDt02017-11-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Sylvester O Adigwe CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02017-11-16T00:20:38-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

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