Civic Intelligence

Consumer Credit Counseling Service of Maryland and Delaware Inc

EIN 52-0846275 • 501(c)3 • Columbia, MD

View Organization Page

Profile

The organization's mission is to create hope and promote economic self-sufficiency to individuals, families and communities through financial literacy education and counseling.Consumer Credit Counseling Service of MD & DE, Inc. envisions a community of informed and financially literate citizens who are empowered to achieve their goals and impart the knowledge and skills needed for financial stability to future generations.

6315 Hillside CT Ste BColumbia, MD 21046-3230

www.cccs-inc.org

Siviq Scores

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

Liabilities / Assets

56th percentile

0.17x

Higher debt load relative to assets than 56% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2022

Liabilities / Revenue

76th percentile

0.55x

Higher debt load relative to revenue than 76% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2022

Net Margin

8th percentile

-41%

Higher net margin than 8% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2022

Top Officer Pay

87th percentile

$282,248

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 12.6% of source-year revenue.

501(c)3 • $5M-$10M nonprofits • Source year 2020

Asset Growth

13th percentile

-8.7%

Faster asset growth than 13% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Revenue Growth

29th percentile

-2.8%

Faster revenue growth than 29% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets56th percentile

Assets

Down

$0

Down $9,200,973 (-100%) from 2022

Liabilities

Down

$0

Down $1,531,435 (-100%) from 2022

Net Assets

Down

$0

Down $7,669,538 (-100%) from 2022

Operations
Liabilities / Revenue76th percentileNet Margin8th percentile

Revenue

Down

$2,517,980

Down $275,149 (-9.9%) from 2022

Expenses

Down

$2,914,328

Down $1,024,693 (-26%) from 2022

Net Income

Up

-$396,348

Up $749,544 (+65%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth13th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $17,657,886Liabilities 2010: $963,861Net Assets 2010: $16,694,0252010Assets 2011: $17,029,381Liabilities 2011: $1,232,536Net Assets 2011: $15,796,8452011Assets 2012: $16,827,018Liabilities 2012: $934,446Net Assets 2012: $15,892,5722012Assets 2013: $16,939,776Liabilities 2013: $1,000,705Net Assets 2013: $15,939,0712013Assets 2014: $15,698,334Liabilities 2014: $1,098,868Net Assets 2014: $14,599,4662014Assets 2015: $13,630,199Liabilities 2015: $998,870Net Assets 2015: $12,631,3292015Assets 2016: $11,406,090Liabilities 2016: $372,949Net Assets 2016: $11,033,1412016Assets 2017: $10,648,954Liabilities 2017: $252,692Net Assets 2017: $10,396,2622017Assets 2018: $8,739,741Liabilities 2018: $343,817Net Assets 2018: $8,395,9242018Assets 2019: $9,172,638Liabilities 2019: $191,024Net Assets 2019: $8,981,6142019Assets 2020: $9,406,278Liabilities 2020: $218,093Net Assets 2020: $9,188,1852020Assets 2021: $10,074,197Liabilities 2021: $244,900Net Assets 2021: $9,829,2972021Assets 2022: $9,200,973Liabilities 2022: $1,531,435Net Assets 2022: $7,669,5382022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2023

Assets$0
Liabilities$0
Net Assets$0
Open 2023 Filing

Operations Trend

Revenue Growth29th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $7,001,8552010Expenses 2011: $6,311,9522011Expenses 2012: $5,858,2672012Revenue 2013: $5,165,666Expenses 2013: $5,873,997Net Income 2013: -$708,3312013Revenue 2014: $4,433,975Expenses 2014: $5,568,154Net Income 2014: -$1,134,1792014Revenue 2015: $3,236,694Expenses 2015: $5,015,986Net Income 2015: -$1,779,2922015Revenue 2016: $2,665,113Expenses 2016: $4,332,382Net Income 2016: -$1,667,2692016Revenue 2017: $2,555,807Expenses 2017: $3,866,992Net Income 2017: -$1,311,1852017Revenue 2018: $2,541,023Expenses 2018: $3,763,337Net Income 2018: -$1,222,3142018Revenue 2019: $2,319,362Expenses 2019: $2,435,554Net Income 2019: -$116,1922019Revenue 2020: $2,233,827Expenses 2020: $2,606,283Net Income 2020: -$372,4562020Revenue 2021: $2,872,253Expenses 2021: $2,323,228Net Income 2021: $549,0252021Revenue 2022: $2,793,129Expenses 2022: $3,939,021Net Income 2022: -$1,145,8922022Revenue 2023: $2,517,980Expenses 2023: $2,914,328Net Income 2023: -$396,3482023

Highlighted filing

2023

Revenue$2,517,980
Expenses$2,914,328
Net Income-$396,348
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$2,517,980
Expenses
$2,914,328
Net income
-$396,348
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$2.52$2.91$0.40
2022Detailed filing. Detailed filing data is available for this year.$9.20$1.53$7.67$2.79$3.94$1.15
2021Detailed filing. Detailed filing data is available for this year.$10.1$0.24$9.83$2.87$2.32$0.55
2020Detailed filing. Detailed filing data is available for this year.$9.41$0.22$9.19$2.23$2.61$0.37
2019Detailed filing. Detailed filing data is available for this year.$9.17$0.19$8.98$2.32$2.44$0.12
2018Detailed filing. Detailed filing data is available for this year.$8.74$0.34$8.40$2.54$3.76$1.22
2017Detailed filing. Detailed filing data is available for this year.$10.6$0.25$10.4$2.56$3.87$1.31
2016Detailed filing. Detailed filing data is available for this year.$11.4$0.37$11.0$2.67$4.33$1.67
2015Detailed filing. Detailed filing data is available for this year.$13.6$1.00$12.6$3.24$5.02$1.78
2014Detailed filing. Detailed filing data is available for this year.$15.7$1.10$14.6$4.43$5.57$1.13
2013Detailed filing. Detailed filing data is available for this year.$16.9$1.00$15.9$5.17$5.87$0.71
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.8$0.93$15.9$5.86
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.0$1.23$15.8$6.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.7$0.96$16.7$7.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 14, 2024
Return Version
2023v5.0
Gross Receipts
$2,517,980
Mission and Program Overview

Mission

The organization's mission is to help stabilize communities by creating hope and promoting economic self-sufficiency to individuals and families through financial education and counseling.a nonprofit organization serving the community since 1966, consumer credit counseling service of md & de, inc. (d/b/a cccsmd) provides comprehensive financial solutions to people who need or want to improve their financial well-being. We are recognized as one of the country's most reputable providers of credit counseling, housing counseling, and financial education and coaching. Through a holistic, educational approach, cccsmd empowers clients to make informed financial decisions that will help them achieve their financial goals.

To help stabilize communities by creating hope and promoting economic self-sufficiency.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$7,286,790$0▼ $7,286,790
Savings and Temporary Cash Investments$638,296$0▼ $638,296
Accounts Receivable$578,872$0▼ $578,872
Cash and Non-Interest-Bearing Accounts$355,535$0▼ $355,535
Land, Buildings, and Equipment, Net$13,702$0▼ $13,702
Pledges and Grants Receivable$5,392$0▼ $5,392
Prepaid Expenses and Deferred Charges$3,098$0▼ $3,098
Total Assets$9,200,973$0▼ $9,200,973
Other Assets Total$319,288$0▼ $319,288
Liabilities
Accounts Payable and Accrued Expenses$1,014,810$0▼ $1,014,810
Other Liabilities$310,794$0▼ $310,794
Deferred Revenue$202,748$0▼ $202,748
Escrow Account Liability$3,083$0▼ $3,083
Total Liabilities$1,531,435$0▼ $1,531,435
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$7,669,538$0▼ $7,669,538
Total Net Assets Fund Balance$7,669,538$0▼ $7,669,538
Total Liabilities and Net Assets / Fund Balance$9,200,973$0▼ $9,200,973
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Helene RaynaudPresident, CEOFT$200,103$28,009$228,112
Susan FitzVP, Counseling, Program & ComplianceFT$107,843$14,020$121,863
Emily HickoxVP, MarketingFT$105,466$5,273$110,739

Board Members and Trustees

NameTitle
William E Mills IiiBoard Chair
Joyce OdongoBoard Vice Chair
Benjamin LowenthalBoard Member
Blake AllisonBoard Member
Gail SandersBoard Member
Justin CousinsBoard Member
Lauren HughesBoard Member
Laurie BennerBoard Member
Rahn BarnesBoard Member
Sarah Coffey BowesBoard Member
Brian TaylorSecretary
Milla KrasnopolskyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,052,048
Program Service Revenue
$331,509
Investment Income
$134,423
Other Revenue
$0
All Other Contributions
$604,106
Change in Net Assets
$-396,348

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,517,980
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-134,421
Total Revenue per Audited Statements
$2,383,559
Total Revenue per Form 990
$2,517,980
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,295,875
Grants and Similar Amounts Paid$1,026,163
Other Expenses$592,290
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs$1,026,163--$1,026,163
Other Salaries and Wages$554,931$91,021-$645,953
Current Officers, Directors, Trustees, and Key Employees$395,794$64,919-$460,715
Fees for Services Accounting-$108,051-$108,051
Occupancy$46,773$46,317-$93,090
Information Technology$65,528$26,240-$91,768
Other Employee Benefits$121,936$-38,014-$83,921
Payroll Taxes$65,856$11,529-$77,386
Office Expenses$40,344$28,159-$68,503
Fees for Service Investment Mgmnt Fees$46,198$46,198$0$46,198
Fees for Services Other$27,665$3,481-$31,146
Fees for Services Legal-$29,035-$29,035
Pension Plan Contributions$22,043$5,857-$27,900
All Other Expenses$24,206--$24,206
Insurance$9,713$10,383-$20,096
Advertising$11,370--$11,370
Other Expenses$4,292$3,985-$8,277
Travel$6,010--$6,010
Depreciation Depletion$2,099$2,098-$4,197
Total Functional Expenses$2,468,014$446,311$0$2,914,328

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,868,130
Total Expenses per Audited Statements$2,868,130
Total Expenses per Form 990$2,868,130
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Money Management International IncStafford, TX501(c)(3)Housing Stability$490,295
Consumer Education Services Inc CesiRaleigh, NC501(c)(3)Comprehensive Housing/housing Stability$245,434
Consumer Debt CounselorsWinter Park, FL501(c)(3)Comprehensive Housing/housing Stability$193,920
TakechargePhoenix, AZ501(c)(3)Comprehensive Housing/housing Stability$95,950
Parachute Credit CounselingWest Seneca, NY501(c)(3)Comprehensive Housing/housing Stability$27,484
FamilymeansStillwater, MN501(c)(3)Comprehensive Housing/housing Stability$13,000
Cccs of BuffaloWest Seneca, NY501(c)(3)Comprehensive Housing/housing Stability$12,342
Reservoir Hill Improvement CouncilBaltimore, MD501(c)(3)Comprehensive Housing/housing Stability$10,234
Services of HopeDallas, TX501(c)(3)Comprehensive Housing/housing Stability$9,819
ClarifiPhiladelphia, PA501(c)(3)Housing Stability$1,950
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 11B

“The form 990 was prepared by the successor organization and reviewed by the former ceo, the board chair, and at least one other executive member of the board. The 990 was then made available to the entire board prior to filing with the irs.”

Part VI Line 12C

“Any board member who has a direct or indirect involvement, or any financial interest whatsoever, in connection with any transaction involving the corporation, or in providing any goods or services to the corporation, shall disclose the nature and substance of that interest or involvement to the other members of the board and shall abstain from voting on any matter which touches or concerns the said matter. Board members are prohibited from having any direct or indirect ownership or other financial interest in the assets of the corporation, or in real or personal property leased or used by the corporation.”

Part VI Line 19

“If requests are received to view the organization's governing documents, conflict of interest policy, or financial statements, the organization will consult with its professional counsel before making public.”

Part VI Line 15B

“Compensation of the organization's ceo is reviewed each year by the executive committee. A compensation survey or study may be done to monitor appropriate compensation, and any changes in compensation are approved by the executive committee. The ceo determines compensation for the organization's other officers and key employees.”

Filing and Contact Details

Filer

Filer Name
Consumer Credit Counseling Service of Maryland and Delaware Inc
EIN
52-0846275
Phone
4435140600
Address
6315 HILLSIDE CT STE B, COLUMBIA, MD 21046-3230

Signing Officer

Name
Lyle Lansdell
Title
Chief Financial Officer
Phone
7133943423
Signed
2024-11-14

Organization Details

Principal Officer
Helene Raynaud
Formed
1966
Legal Domicile
Md
Voting Board Members
12
Independent Board Members
12
Employees
0
Volunteers
10
Supplemental Narrative

Additional Explanations

Part XI Line 9

“Cccsmd discontinued operations and merged into money management international (mmi) on october 31, 2023. - -7273190”

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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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IRS990/Form990PartVIISectionAGrp/PersonNm3BRIAN TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm4WILLIAM E MILLS III
IRS990/Form990PartVIISectionAGrp/PersonNm5MILLA KRASNOPOLSKY
IRS990/Form990PartVIISectionAGrp/PersonNm6LAURIE BENNER
IRS990/Form990PartVIISectionAGrp/PersonNm7BLAKE ALLISON
IRS990/Form990PartVIISectionAGrp/PersonNm8RAHN BARNES
IRS990/Form990PartVIISectionAGrp/PersonNm9JUSTIN COUSINS
IRS990/Form990PartVIISectionAGrp/PersonNm10LAUREN HUGHES
IRS990/Form990PartVIISectionAGrp/PersonNm11BENJAMIN LOWENTHAL
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT, CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1VP, COUNSELING, PROGRAM & COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt2VP, MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARD MEMBER
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IRS990/MissionDesc0TO IMPROVE THE FINANCIAL LIVES OF THE INDIVIDUALS AND COMMUNITIES WE SERVE.CREDIT COUNSELING SERVICE OF MD & DE, INC. (D/B/A CCCSMD) PROVIDES COMPREHENSIVE FINANCIAL SOLUTIONS TO PEOPLE WHO NEED OR WANT TO IMPROVE THEIR FINANCIAL WELL-BEING. WE ARE RECOGNIZED AS ONE OF THE COUNTRY'S MOST REPUTABLE PROVIDERS OF CREDIT COUNSELING, HOUSING COUNSELING, AND FINANCIAL EDUCATION AND COACHING. THROUGH A HOLISTIC, EDUCATIONAL APPROACH, CCCSMD EMPOWERS CLIENTS TO MAKE INFORMED FINANCIAL DECISIONS THAT WILL HELP THEM ACHIEVE THEIR FINANCIAL GOALS.
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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0334206

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