Civic Intelligence

Consumer Credit Counseling Service Inc

EIN 48-0995970 • 501(c)3 • Salina, KS

Profile

To empower individuals through education and counseling to make sound financial decisions.

PO Box 843Salina, KS 67402

kscccs.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2024

Liabilities / Revenue

62nd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Net Margin

33rd percentile

-7.7%

Higher net margin than 33% of similar nonprofits.

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

Top Officer Pay

95th percentile

$64,150

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 28.3% of source-year revenue.

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

Asset Growth

10th percentile

-100%

Faster asset growth than 10% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

39th percentile

-14%

Faster revenue growth than 39% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Assets

Down

$0

Down $59,581 (-100%) from 2023

Liabilities

Down

$0

Down $42,189 (-100%) from 2023

Net Assets

Down

$0

Down $17,392 (-100%) from 2023

Revenue

Down

$226,635

Down $35,587 (-14%) from 2023

Expenses

Down

$244,025

Down $185,592 (-43%) from 2023

Net Income

Up

-$17,390

Up $150,005 (+90%) from 2023

Trend Graphs

Balance Sheet Trend

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

$800K$600K$400K$200K$0Assets 2010: $594,470Liabilities 2010: $82,781Net Assets 2010: $511,6892010Assets 2011: $582,676Liabilities 2011: $80,395Net Assets 2011: $502,2812011Assets 2012: $623,575Liabilities 2012: $94,276Net Assets 2012: $529,2992012Assets 2013: $632,152Liabilities 2013: $88,475Net Assets 2013: $543,6772013Assets 2014: $594,001Liabilities 2014: $82,577Net Assets 2014: $511,4242014Assets 2015: $568,979Liabilities 2015: $62,585Net Assets 2015: $506,3942015Assets 2016: $480,280Liabilities 2016: $63,047Net Assets 2016: $417,2332016Assets 2017: $324,807Liabilities 2017: $24,888Net Assets 2017: $299,9192017Assets 2018: $410,105Liabilities 2018: $88,655Net Assets 2018: $321,4502018Assets 2019: $394,044Liabilities 2019: $52,839Net Assets 2019: $341,2052019Assets 2020: $420,545Liabilities 2020: $29,871Net Assets 2020: $390,6742020Assets 2021: $360,345Liabilities 2021: $102,224Net Assets 2021: $258,1212021Assets 2022: $256,030Liabilities 2022: $82,608Net Assets 2022: $173,4222022Assets 2023: $59,581Liabilities 2023: $42,189Net Assets 2023: $17,3922023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2024

Assets$0
Liabilities$0
Net Assets$0

Operations Trend

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

$1.0M$500K$0-$500KExpenses 2010: $859,1522010Expenses 2011: $726,0922011Expenses 2012: $680,4762012Revenue 2013: $691,859Expenses 2013: $677,481Net Income 2013: $14,3782013Revenue 2014: $574,534Expenses 2014: $606,787Net Income 2014: -$32,2532014Revenue 2015: $580,273Expenses 2015: $585,303Net Income 2015: -$5,0302015Revenue 2016: $481,474Expenses 2016: $574,860Net Income 2016: -$93,3862016Revenue 2017: $468,300Expenses 2017: $629,727Net Income 2017: -$161,4272017Revenue 2018: $529,360Expenses 2018: $519,588Net Income 2018: $9,7722018Revenue 2019: $507,138Expenses 2019: $503,600Net Income 2019: $3,5382019Revenue 2020: $486,347Expenses 2020: $478,637Net Income 2020: $7,7102020Revenue 2021: $376,593Expenses 2021: $517,932Net Income 2021: -$141,3392021Revenue 2022: $348,964Expenses 2022: $420,194Net Income 2022: -$71,2302022Revenue 2023: $262,222Expenses 2023: $429,617Net Income 2023: -$167,3952023Revenue 2024: $226,635Expenses 2024: $244,025Net Income 2024: -$17,3902024

Highlighted filing

2024

Revenue$226,635
Expenses$244,025
Net Income-$17,390

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$2.27$2.44$0.17
2023Detailed filing. Detailed filing data is available for this year.$0.60$0.42$0.17$2.62$4.30$1.67
2022Detailed filing. Detailed filing data is available for this year.$2.56$0.83$1.73$3.49$4.20$0.71
2021Detailed filing. Detailed filing data is available for this year.$3.60$1.02$2.58$3.77$5.18$1.41
2020Detailed filing. Detailed filing data is available for this year.$4.21$0.30$3.91$4.86$4.79$0.08
2019Summary only. Only limited summary data is available for this year.$3.94$0.53$3.41$5.07$5.04$0.04
2018Summary only. Only limited summary data is available for this year.$4.10$0.89$3.21$5.29$5.20$0.10
2017Summary only. Only limited summary data is available for this year.$3.25$0.25$3.00$4.68$6.30$1.61
2016Summary only. Only limited summary data is available for this year.$4.80$0.63$4.17$4.81$5.75$0.93
2015Summary only. Only limited summary data is available for this year.$5.69$0.63$5.06$5.80$5.85$0.05
2014Detailed filing. Detailed filing data is available for this year.$5.94$0.83$5.11$5.75$6.07$0.32
2013Detailed filing. Detailed filing data is available for this year.$6.32$0.88$5.44$6.92$6.77$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.24$0.94$5.29$6.80
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.83$0.80$5.02$7.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.94$0.83$5.12$8.59
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 4, 2025
Return Version
2024v5.2
Gross Receipts
$226,635
Mission and Program Overview

Mission

Credit counseling & education

To empower individuals through education and counseling to make sound financial decisions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$36,478--
Cash and Non-Interest-Bearing Accounts$12,932--
Land, Buildings, and Equipment, Net$10,171--
Total Assets$59,581$0▼ $59,581
Liabilities
Accounts Payable and Accrued Expenses$35,308--
Total Liabilities$35,308$0▼ $35,308
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$24,273--
Total Net Assets Fund Balance$24,273$0▼ $24,273
Total Liabilities and Net Assets / Fund Balance$59,581$0▼ $59,581
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Jeff WitherspoonExecutive DirectorFT$64,150$64,150

Board Members and Trustees

NameTitle
Chris TaylorPresident
Kevin WilmothVice President
Doug CranmerBoard Member
Jacob BurrowBoard Member
Mona MartinBoard Member
Nathan SanderBoard Member
Leyanne OllerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$11,677
Program Service Revenue
$13,032
Investment Income
$25,021
Other Revenue
$176,905
All Other Contributions
$5,177
Change in Net Assets
$-17,390

Audited Revenue Reconciliation

Revenue per Audited Statements
$226,635
Total Revenue per Audited Statements
$226,635
Total Revenue per Form 990
$226,635
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$153,760
Other Expenses$90,265
Total Fundraising Expense$1,918
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons$111,916$18,433$1,317$131,666
Other Expenses$45,959$103$7$45,959
Payroll Taxes$18,396$3,030$216$21,642
Occupancy$10,288$1,695$121$12,104
Depreciation Depletion$3,217$706-$3,923
Insurance$2,290$377$27$2,694
Office Expenses$1,437$237$17$1,691
Other Employee Benefits$384$63$5$452
Advertising$309$51$4$364
Conferences and Meetings$29$5-$34
Total Functional Expenses$214,531$27,576$1,918$244,025

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$244,025
Total Expenses per Audited Statements$244,025
Total Expenses per Form 990$244,025
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
Yes
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 governing body review Part VI line 11

Form 990, Part VI, Section B, Line 11: The IRS Form 990 is prepared by an independent accounting firm. A copy of IRS Form 990 is made available to board members before filing and is reviewed by the finance/audit committee before filing.

Conflict of interest policy compliance Part VI line 12C

IRS Form 990, Part VI, Section B, Line 12c: On an annual basis, the Board of Directors reviews the conflict of interest policy and each board member signs the policy agreement.

CEO executive director top management comp Part VI line 15A

IRS Form 990, Part VI, Section B, Line 15: A review of the executive directors compensation and performance is conducted and compared to similar industry positions and compensation. The personnel committee presents salary ranges to the Executive Director for other employees and the Executive Director stays within those ranges. This process and results are document in the board minutes.

Other officer or key employee compensation Part VI line 15B

IRS Form 990, Part VI, Section B, Line 15: A review of the executive directors compensation and performance is conducted and compared to similar industry positions and compensation. The personnel committee presents salary ranges to the Executive Director for other employees and the Executive Director stays within those ranges. This process and results are document in the board minutes.

Governing documents etc available to public Part VI line 19

IRS Form 990, Part VI, Section C, Line 19: Upon request, the Organizations governing documents, conflict of interest policy and financial statements are available for review.

Filing and Contact Details

Filer

Filer Name
Consumer Credit Counseling Service Inc
EIN
48-0995970
In Care Of
% Jeff Witherspoon
Phone
3162652000
Address
PO Box 843, Salina, KS 67402

Signing Officer

Name
Jeff Witherspoon
Title
Past Executive Director
Phone
3162652000
Signed
2025-11-04
Discuss with paid preparer
Yes

Organization Details

Formed
1985
Legal Domicile
Ks
Voting Board Members
9
Independent Board Members
9
Employees
6

Preparer

Firm
Monica R Kellogg CPA LLC
Address
405 E McKay St, Frontenac, KS 66763
Preparer
Monica R Kellogg CPA
Phone
6202350920
Supplemental Narrative

Additional Explanations

Audited by an independent accountant Part XII line 2B

IRS Form 990, Part XII, Line 2c: The Organization has an audit committee who is responsible for the selection of the independent auditors and oversight of the audit. The audit committee also reviews and accepts responsibility for the audited financial statements.

List of other expenses Part IX line 24E

Deferred Compensation $81,583

Part III response or note to any other line in Part III

Program Service Accomplishments. Commissioned a member of the National Foundation of Credit Counseling, and owns an A+ rating by the Better Business Bureau.

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IRS990/OtherExpensesGrp/ProgramServicesAmt12388
IRS990/OtherExpensesGrp/ProgramServicesAmt2623
IRS990/OtherExpensesGrp/ProgramServicesAmt345959
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IRS990/OtherRevenueTotalAmt0176905
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt0216
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt03030
IRS990/PayrollTaxesGrp/ProgramServicesAmt018396
IRS990/PayrollTaxesGrp/TotalAmt021642
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
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IRS990/ProgramServiceRevenueGrp/Desc0Fair Share
IRS990/ProgramServiceRevenueGrp/Desc1Counseling
IRS990/ProgramServiceRevenueGrp/Desc2Education
IRS990/ProgramServiceRevenueGrp/Desc3Other Program Fees
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09449
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11078
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21032
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31473
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09449
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11078
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21032
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31473
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IRS990/PYInvestmentIncomeAmt0600
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IRS990/PYProgramServiceRevenueAmt0107483
IRS990/PYRevenuesLessExpensesAmt0-167395
IRS990/PYSalariesCompEmpBnftPaidAmt0293052
IRS990/PYTotalExpensesAmt0429617
IRS990/PYTotalRevenueAmt0262222
IRS990/ReconcilationRevenueExpnssAmt0-17390
IRS990/RegularMonitoringEnfrcInd0true
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IRS990/ReportOtherLiabilitiesInd0false
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt036478
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt011677
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0218220
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0203003
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0276427
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0863466
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt045
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IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt02332
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt03825
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt05327
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt012129
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt038008
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0107483
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0128412
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0169765
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0204653
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0648321
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt045
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt0600
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt02332
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt03825
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt05327
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt012129
IRS990ScheduleA/InvestmentIncomeCYPct00.01000
IRS990ScheduleA/InvestmentIncomePYPct00.01000
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IRS990ScheduleA/PublicSupportCY509Pct00.99200
IRS990ScheduleA/PublicSupportPY509Pct00.99090
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IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt00
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IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0346632
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0372768
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0481080
IRS990ScheduleA/Total509Grp/TotalAmt01511787
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt049730
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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0348964
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0376593
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0486407
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt01523916
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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0Consumer Credit Counseling Service
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02024-12-24
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0431483251
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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501c3
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0FMV
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt01515 S Glenstone
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0Springfield
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0MO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd065804
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Form 990, Part VI, Section B, Line 11: The IRS Form 990 is prepared by an independent accounting firm. A copy of IRS Form 990 is made available to board members before filing and is reviewed by the finance/audit committee before filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1IRS Form 990, Part VI, Section B, Line 12c: On an annual basis, the Board of Directors reviews the conflict of interest policy and each board member signs the policy agreement.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2IRS Form 990, Part VI, Section B, Line 15: A review of the executive directors compensation and performance is conducted and compared to similar industry positions and compensation. The personnel committee presents salary ranges to the Executive Director for other employees and the Executive Director stays within those ranges. This process and results are document in the board minutes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3IRS Form 990, Part VI, Section B, Line 15: A review of the executive directors compensation and performance is conducted and compared to similar industry positions and compensation. The personnel committee presents salary ranges to the Executive Director for other employees and the Executive Director stays within those ranges. This process and results are document in the board minutes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4IRS Form 990, Part VI, Section C, Line 19: Upon request, the Organizations governing documents, conflict of interest policy and financial statements are available for review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5IRS Form 990, Part XII, Line 2c: The Organization has an audit committee who is responsible for the selection of the independent auditors and oversight of the audit. The audit committee also reviews and accepts responsibility for the audited financial statements.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Deferred Compensation $81,583
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Program Service Accomplishments. Commissioned a member of the National Foundation of Credit Counseling, and owns an A+ rating by the Better Business Bureau.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Audited by an independent accountant Part XII line 2b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6List of other expenses Part IX line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part III response or note to any other line in Part III
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IRS990/TotalContributionsAmt011677
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt01918
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt027576
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0214531
IRS990/TotalFunctionalExpensesGrp/TotalAmt0244025
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt035308
IRS990/TotalLiabilitiesEOYAmt00

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