Civic Intelligence

Christian Credit Counselors Inc

EIN 38-2956171 • 501(c)3 • Carlsbad, CA

View Organization Page

Profile

Help individuals and families burdened with financial pressures learn how to become debt free and attain financial freedom.

5838 Edison Pl 130Carlsbad, CA 92008

christiancreditcounselors.org

Siviq Scores

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

Liabilities / Assets

11th percentile

0.02x

Higher debt load relative to assets than 11% of similar nonprofits.

NTEE P • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

16th percentile

0.06x

Higher debt load relative to revenue than 16% of similar nonprofits.

NTEE P • $10M-$25M nonprofits • Source year 2025

Net Margin

92nd percentile

45%

Higher net margin than 92% of similar nonprofits.

NTEE P • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

66th percentile

$245,218

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 5.0% of source-year revenue.

NTEE P • $10M-$25M nonprofits • Source year 2025

Asset Growth

89th percentile

32%

Faster asset growth than 89% of similar nonprofits.

NTEE P • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

80th percentile

26%

Faster revenue growth than 80% of similar nonprofits.

NTEE P • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$13,378,987

Up $3,531,836 (+36%) from 2023

Liabilities

Down

$276,523

Down $127,288 (-32%) from 2023

Net Assets

Up

$13,102,464

Up $3,659,124 (+39%) from 2023

Operations
Liabilities / Revenue16th percentileNet Margin92nd percentile

Revenue

Up

$3,872,579

Up $875,091 (+29%) from 2023

Expenses

Up

$2,515,693

Up $243,631 (+11%) from 2023

Net Income

Up

$1,356,886

Up $631,460 (+87%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth89th percentile

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

$15M$10M$5.0M$0Assets 2011: $2,931,936Liabilities 2011: $1,177,320Net Assets 2011: $1,754,6162011Assets 2012: $3,303,673Liabilities 2012: $1,157,048Net Assets 2012: $2,146,6252012Assets 2013: $3,830,443Liabilities 2013: $853,963Net Assets 2013: $2,976,4802013Assets 2014: $5,162,203Liabilities 2014: $680,847Net Assets 2014: $4,481,3562014Assets 2015: $7,112,396Liabilities 2015: $3,604,399Net Assets 2015: $3,507,9972015Assets 2016: $7,699,996Liabilities 2016: $3,744,803Net Assets 2016: $3,955,1932016Assets 2017: $8,693,503Liabilities 2017: $3,550,874Net Assets 2017: $5,142,6292017Assets 2018: $7,549,042Liabilities 2018: $2,823,717Net Assets 2018: $4,725,3252018Assets 2019: $8,072,795Liabilities 2019: $2,586,724Net Assets 2019: $5,486,0712019Assets 2020: $8,219,064Liabilities 2020: $224,627Net Assets 2020: $7,994,4372020Assets 2021: $10,984,910Liabilities 2021: $207,132Net Assets 2021: $10,777,7782021Assets 2022: $6,458,952Liabilities 2022: $417,603Net Assets 2022: $6,041,3492022Assets 2023: $9,847,151Liabilities 2023: $403,811Net Assets 2023: $9,443,3402023Assets 2024: $13,378,987Liabilities 2024: $276,523Net Assets 2024: $13,102,4642024

Highlighted filing

2024

Assets$13,378,987
Liabilities$276,523
Net Assets$13,102,464
Open 2024 Filing

Operations Trend

Revenue Growth80th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2011: $3,175,617Expenses 2011: $4,006,311Net Income 2011: -$830,6942011Revenue 2012: $3,141,733Expenses 2012: $2,928,636Net Income 2012: $213,0972012Revenue 2013: $3,362,094Expenses 2013: $3,048,727Net Income 2013: $313,3672013Revenue 2014: $3,396,234Expenses 2014: $2,744,049Net Income 2014: $652,1852014Revenue 2015: $2,501,073Expenses 2015: $3,332,439Net Income 2015: -$831,3662015Revenue 2016: $3,185,936Expenses 2016: $2,738,740Net Income 2016: $447,1962016Revenue 2017: $3,577,871Expenses 2017: $2,390,435Net Income 2017: $1,187,4362017Revenue 2018: $2,083,458Expenses 2018: $2,500,763Net Income 2018: -$417,3052018Revenue 2019: $2,611,134Expenses 2019: $2,338,386Net Income 2019: $272,7482019Revenue 2020: $4,872,250Expenses 2020: $2,403,603Net Income 2020: $2,468,6472020Revenue 2021: $3,449,716Expenses 2021: $2,591,738Net Income 2021: $857,9782021Revenue 2022: $2,790,959Expenses 2022: $2,226,443Net Income 2022: $564,5162022Revenue 2023: $2,997,488Expenses 2023: $2,272,062Net Income 2023: $725,4262023Revenue 2024: $3,872,579Expenses 2024: $2,515,693Net Income 2024: $1,356,8862024

Highlighted filing

2024

Revenue$3,872,579
Expenses$2,515,693
Net Income$1,356,886
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,378,987
Liabilities
$276,523
Net assets
$13,102,464
Revenue
$3,872,579
Expenses
$2,515,693
Net income
$1,356,886
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$13.4$0.28$13.1$3.87$2.52$1.36
2023Detailed filing. Detailed filing data is available for this year.$9.85$0.40$9.44$3.00$2.27$0.73
2022Detailed filing. Detailed filing data is available for this year.$6.46$0.42$6.04$2.79$2.23$0.56
2021Detailed filing. Detailed filing data is available for this year.$11.0$0.21$10.8$3.45$2.59$0.86
2020Detailed filing. Detailed filing data is available for this year.$8.22$0.22$7.99$4.87$2.40$2.47
2019Detailed filing. Detailed filing data is available for this year.$8.07$2.59$5.49$2.61$2.34$0.27
2018Detailed filing. Detailed filing data is available for this year.$7.55$2.82$4.73$2.08$2.50$0.42
2017Detailed filing. Detailed filing data is available for this year.$8.69$3.55$5.14$3.58$2.39$1.19
2016Detailed filing. Detailed filing data is available for this year.$7.70$3.74$3.96$3.19$2.74$0.45
2015Detailed filing. Detailed filing data is available for this year.$7.11$3.60$3.51$2.50$3.33$0.83
2014Detailed filing. Detailed filing data is available for this year.$5.16$0.68$4.48$3.40$2.74$0.65
2013Detailed filing. Detailed filing data is available for this year.$3.83$0.85$2.98$3.36$3.05$0.31
2012Summary only. Only limited summary data is available for this year.$3.30$1.16$2.15$3.14$2.93$0.21
2011Summary only. Only limited summary data is available for this year.$2.93$1.18$1.75$3.18$4.01$0.83
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 31, 2025
Return Version
2024v5.1
Gross Receipts
$4,408,402
Mission and Program Overview

Mission

Help individuals and families burdened with financial pressures learn how to become debt free and attain financial freedom.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$4,106,880$6,512,871▲ $2,405,991
Other Notes and Loans Receivable, Net$2,188,426$3,465,085▲ $1,276,659
Cash and Non-Interest-Bearing Accounts$1,528,113$1,954,939▲ $426,826
Land, Buildings, and Equipment, Net$1,382,150$853,557▼ $528,593
Accounts Receivable-$286,162-
Intangible Assets$174,063$89,300▼ $84,763
Prepaid Expenses and Deferred Charges$68,895$66,228▼ $2,667
Pledges and Grants Receivable$35,000$37,500▲ $2,500
Investments Other Securities$16,807$0▼ $16,807
Savings and Temporary Cash Investments-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Inventories for Sale or Use-$0-
Total Assets$9,847,151$13,378,987▲ $3,531,836
Other Assets Total$346,817$113,345▼ $233,472
Liabilities
Accounts Payable and Accrued Expenses$178,905$175,332▼ $3,573
Other Liabilities$182,350$94,914▼ $87,436
Escrow Account Liability$42,556$6,277▼ $36,279
Total Liabilities$403,811$276,523▼ $127,288
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$9,443,340$13,102,464▲ $3,659,124
Total Net Assets Fund Balance$9,443,340$13,102,464▲ $3,659,124
Total Liabilities and Net Assets / Fund Balance$9,847,151$13,378,987▲ $3,531,836

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$531,952$27,498$559,450
Land$275,550-$275,550
Other Land Buildings$1,985$69,933$71,918
Equipment-$61,666$61,666
Leasehold Improvements$44,070$6,919$50,989
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gregory MctaggartPres/DIRECTORFT$209,275$28,604$237,879
Karla MctaggartSecretaryFT$217,564$19,543$237,107
Kelley MctaggartVice PresidentFT$137,006$35,452$172,458

Board Members and Trustees

NameTitle
Brad WoodDirector
Dan MurincsakDirector
Gregory Gillum JrDirector
John WhiteDirector
Melinda WenstrupDirector
Richard SayenDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$238,521
Program Service Revenue
$3,229,822
Investment Income
$386,853
Other Revenue
$17,383
All Other Contributions
$238,521
Change in Net Assets
$1,356,886

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,872,579
Revenue Not Reported on Form 990
$2,302,238
Total Revenue per Audited Statements
$6,174,817
Total Revenue per Form 990
$3,872,579
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,461,407
Other Expenses$956,524
Grants and Similar Amounts Paid$97,762
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$390,638$210,343-$600,981
Current Officers, Directors, Trustees, and Key Employees$369,510$198,967-$568,477
Advertising$336,328--$336,328
Other Employee Benefits$110,500$59,500-$170,000
Occupancy$109,188$27,297-$136,485
Grants to Domestic Orgs$97,762--$97,762
Payroll Taxes$54,885$29,553-$84,438
All Other Expenses$31,352$38,046-$69,398
Insurance$19,025$25,219-$44,244
Pension Plan Contributions$24,382$13,129-$37,511
Travel$1,422$34,131-$35,553
Office Expenses$8,979$23,086-$32,065
Fees for Services Accounting$8,229$20,146-$28,375
Depreciation Depletion-$22,235-$22,235
Other Expenses$19,817$6,574-$19,817
Fees for Services Legal-$12,807-$12,807
Total Functional Expenses$1,747,353$768,340$0$2,515,693

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,515,693
Total Expenses per Audited Statements$2,515,693
Total Expenses per Form 990$2,515,693
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Crown MinistriesKnoxville, TN-General Support$86,208
The Kings HillNashville, TN-General Support$10,000
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Gregory MctaggartOfficerSalary/other CompNo-
Karla MctaggartOfficerSalary/other CompNo-
Kelley MctaggartOfficerSalary/other CompNo-

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liability$94,814
Deposits Received$100
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Other officer compensation reviewed
Yes
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, Part VI, Section A, Line 2

“President and secretary are husband/wife; vp is the son of the president/secretary.”

Form 990, Part VI, Section B, Line 11B

“Copy of preliminary form 990 is provided to the president and members of the board of directors for review prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Discuss policy annually at board meeting.”

Form 990, Part VI, Section B, Line 15A

“Board discusses and approves changes in compensation.”

Form 990, Part VI, Section B, Line 15B

“Board discusses and approves changes in compensation.”

Form 990, Part VI, Section C, Line 19

“Copies available upon written request.”

Filing and Contact Details

Filer

Filer Name
Christian Credit Counselors Inc
EIN
38-2956171
Phone
7608048515
Address
5838 EDISON PL 130, CARLSBAD, CA 92008

Signing Officer

Name
Gregory Mctaggart
Title
President
Signed
2025-03-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gregory Mctaggart
Formed
1992
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
6
Employees
16

Preparer

Firm
Huxhold & Associates
Address
250 W Crest St Suite A, Escondido, CA 92025
Preparer
Mark Huxhold
Phone
7607418802
Supplemental Narrative

Financial Statement Notes

Part IV, Line 2B: Explanation of escrow account liability

“Client funds held in escrow for payments to client creditors.”

Part X : FIN48 Footnote

“The Organization is exempt from income taxes under Section 501(c)(3) of the Internal Revenue Code and relevant state codes. Accounting principles generally accepted in the United States of America requires the Company to disclose uncertain tax positions which meet certain criteria. Management has assessed the Organizations tax positions and has determined it is more likely than not that any tax positions taken by the Organization would be upheld in the event of an examination by a taxing authority. Therefore, no tax provision or amounts for current or future tax assets or liabilities are reported because of uncertain tax positions. Tax returns are subject to audit by the Internal Revenue Service for three years after they have been filed.”

Raw XML AppendixShowing 400 of 576 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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