Civic Intelligence

Consumer Credit Counseling Services of West Florida Inc

990 • Fiscal year 2016 • EIN 52-1242143

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 12, 2017

Organization ProfileWWW.CCCSWFL.ORG

View Organization Page

P O Box 950Pensacola, FL 32591-0951

(850) 434-0268

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

67th percentile

0.02x

Higher debt load relative to assets than 67% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Liabilities / Revenue

61st percentile

0.01x

Higher debt load relative to revenue than 61% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Net Margin

3rd percentile

-152%

Higher net margin than 3% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Top Officer Pay

75th percentile

$0

Higher top officer pay than 75% of similar nonprofits.

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

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Asset Growth

3rd percentile

-83%

Faster asset growth than 3% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

7th percentile

-61%

Faster revenue growth than 7% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets67th percentile

Assets

Down

$43,902

Down $218,270 (-83%) from 2015

Net Assets

Down

$42,945

Down $212,276 (-83%) from 2015

Liabilities

Down

$957

Down $5,994 (-86%) from 2015

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin3rd percentile

Revenue

Down

$139,803

Down $223,184 (-61%) from 2015

Expenses

Down

$352,079

Down $71,204 (-17%) from 2015

Net Income

Down

-$212,276

Down $151,980 (-252%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.0M$500K$0Assets 2011: $605,077Liabilities 2011: $0Net Assets 2011: $605,0772011Assets 2012: $453,198Liabilities 2012: $2,049Net Assets 2012: $451,1492012Assets 2013: $328,105Liabilities 2013: $7,076Net Assets 2013: $321,0292013Assets 2014: $282,888Liabilities 2014: $2,077Net Assets 2014: $280,8112014Assets 2015: $262,172Liabilities 2015: $6,951Net Assets 2015: $255,2212015Assets 2016: $43,902Liabilities 2016: $957Net Assets 2016: $42,9452016Assets 2017: $831,429Liabilities 2017: $0Net Assets 2017: $831,4292017Assets 2018: $120,940Liabilities 2018: $0Net Assets 2018: $120,9402018

Highlighted filing

2016

Assets$43,902
Liabilities$957
Net Assets$42,945
Open 2016 Filing

Operations Trend

Revenue Growth7th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.0M$500K$0-$500K-$1.0MRevenue 2011: $603,758Expenses 2011: $681,007Net Income 2011: -$77,2492011Revenue 2012: $495,176Expenses 2012: $649,104Net Income 2012: -$153,9282012Revenue 2013: $394,463Expenses 2013: $524,583Net Income 2013: -$130,1202013Revenue 2014: $424,431Expenses 2014: $464,649Net Income 2014: -$40,2182014Revenue 2015: $362,987Expenses 2015: $423,283Net Income 2015: -$60,2962015Revenue 2016: $139,803Expenses 2016: $352,079Net Income 2016: -$212,2762016Revenue 2017: $886,399Expenses 2017: $97,915Net Income 2017: $788,4842017Revenue 2018: $16,151Expenses 2018: $726,640Net Income 2018: -$710,4892018

Highlighted filing

2016

Revenue$139,803
Expenses$352,079
Net Income-$212,276
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 12, 2017
Return Version
2016v3.0
Gross Receipts
$211,094
Mission and Program Overview

Mission

To provide financial counseling to the public

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$79,843--
Savings and Temporary Cash Investments$60,732--
Pledges and Grants Receivable$44,704--
Cash and Non-Interest-Bearing Accounts$66,859$43,902▼ $22,957
Prepaid Expenses and Deferred Charges$9,784--
Total Assets$262,172$43,902▼ $218,270
Other Assets Total$250--
Liabilities
Accounts Payable and Accrued Expenses$6,951$957▼ $5,994
Total Liabilities$6,951$957▼ $5,994
Net Assets / Fund Balance
Unrestricted Net Assets$255,221$42,945▼ $212,276
Total Net Assets Fund Balance$255,221$42,945▼ $212,276
Total Liabilities and Net Assets / Fund Balance$262,172$43,902▼ $218,270

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$1,680$1,680
Compensation and Service Providers
Top Officer Pay75th percentile

Board Members and Trustees

NameTitle
Mark HardenChairman
Louis a MaygardenChairman Eme
Louis a MaygardenChairman Emeritus
Jerry MaygardenPresident
Erin Ramos-kuttrellVice Chair
Butch WallaceDirector
Edward RanelliDirector
John ClarkDirector
Kristine RushingDirector
Leslie PowellDirector
Natalie ShearlockDirector
Pamela HattDirector
Paul YoungSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$52,524
Program Service Revenue
$158,545
Investment Income
$-71,266
Other Revenue
$0
All Other Contributions
$5,543
Change in Net Assets
$-212,276

Audited Revenue Reconciliation

Revenue per Audited Statements
$139,803
Total Revenue per Audited Statements
$139,803
Total Revenue per Form 990
$139,803
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$197,315
Salaries, Compensation, and Employee Benefits$154,764
Total Fundraising Expense$1,500
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$97,372$40,500-$137,872
All Other Expenses$35,730$6,210-$41,940
Insurance$19,258$4,814-$24,072
Other Expenses$15,156$5,040$1,500$15,156
Fees for Services Accounting$13,262--$13,262
Payroll Taxes$7,660$3,030-$10,690
Occupancy$8,544$2,136-$10,680
Depreciation Depletion$6,842$1,710-$8,552
Other Employee Benefits$5,582$620-$6,202
Travel$1,832--$1,832
Fees for Services Legal$1,665--$1,665
Office Expenses$807--$807
Total Functional Expenses$270,810$79,769$1,500$352,079

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$352,079
Total Expenses per Audited Statements$352,079
Total Expenses per Form 990$352,079
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
No
Annual disclosure for covered persons
No
Backup withholding compliance
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
No
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

Form 990, Page 6, Part VI, Line 10B

“Consumer credit counseling services of west florida adheres to nfcc quality standards and completes nfcc member agency certification annually.”

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“Financial statements and other documents are available upon request”

Filing and Contact Details

Filer

Filer Name
Consumer Credit Counseling Services
EIN
52-1242143
Address
P O BOX 950, PENSACOLA, FL 32591-0951

Signing Officer

Name
Jerry Maygarden
Title
President
Phone
8504340268
Signed
2017-04-12

Organization Details

Principal Officer
Jerry Maygarden
Formed
1975
Legal Domicile
Fl
Voting Board Members
12
Independent Board Members
11
Employees
6
Volunteers
12

Preparer

Firm
Brown Thornton Pacenta & Company Pa
Address
PO BOX 12484, PENSACOLA, FL 32591
Preparer
Michael D Thornton
Phone
8504343146
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Bank charges 14,952 0 0 telephone 11,144 2,786 0 dues and subscriptions 2,341 2,342 0 postage 2,104 526 0 education 2,566 0 0 maintenance 1,663 416 0 taxes and licenses 560 140 0 accreditation 400 0 0 total 35,730 6,210 0”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 1B

“The organization maintained a pass thru account where debt payments are collected from debtors and paid to creditors.”

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IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0106612
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt023
IRS990/PYOtherExpensesAmt0249948
IRS990/PYOtherRevenueAmt02100
IRS990/PYProgramServiceRevenueAmt0254252
IRS990/PYRevenuesLessExpensesAmt0-60296
IRS990/PYSalariesCompEmpBnftPaidAmt0173335
IRS990/PYTotalExpensesAmt0423283
IRS990/PYTotalRevenueAmt0362987
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0-212276
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0true
IRS990/RelatedOrganizationsAmt024856
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0158545
IRS990/SavingsAndTempCashInvstGrp/BOYAmt060732
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0MISCELLANEOUS REVENUES 267
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART III, LINE 12
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt052524
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0127591
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0164409
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0111062
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0185510
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0641096
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt025
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt023
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt0626
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0318
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt01592
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt02584
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0158545
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0254252
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0259396
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0283083
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0308074
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt01263350
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt025
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt023
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt0626
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0318
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt01592
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt02584
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus3YearsAmt011
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus4YearsAmt0256
IRS990ScheduleA/OtherIncome509Grp/TotalAmt0267
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.99850
IRS990ScheduleA/PublicSupportPY509Pct00.99830
IRS990ScheduleA/PublicSupportTotal509Amt01904446
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0211069
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0381843
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0423805
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0394145
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0493584
IRS990ScheduleA/Total509Grp/TotalAmt01904446
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0211094
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0381866
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0424431
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0394474
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0495432
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt01907297
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
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/AdditionsDuringYearAmt02471
IRS990ScheduleD/AgentTrusteeEtcInd0true
IRS990ScheduleD/BeginningBalanceAmt02279
IRS990ScheduleD/DistributionsDuringYearAmt04750
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01680
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01680
IRS990ScheduleD/ExpensesSubtotalAmt0352079
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/RevenueSubtotalAmt0139803
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION MAINTAINED A PASS THRU ACCOUNT WHERE DEBT PAYMENTS ARE COLLECTED FROM DEBTORS AND PAID TO CREDITORS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 1B
IRS990ScheduleD/TotalExpensesPerForm990Amt0352079
IRS990ScheduleD/TotalRevenuePerForm990Amt0139803
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0139803
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0352079
IRS990ScheduleJ/AnyNonFixedPaymentsInd0false
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0LOUIS A MAYGARDEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CHAIRMAN EMERITUS
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CONSUMER CREDIT COUNSELING SERVICES OF WEST FLORIDA ADHERES TO NFCC QUALITY STANDARDS AND COMPLETES NFCC MEMBER AGENCY CERTIFICATION ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FINANCIAL STATEMENTS AND OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BANK CHARGES 14,952 0 0 TELEPHONE 11,144 2,786 0 DUES AND SUBSCRIPTIONS 2,341 2,342 0 POSTAGE 2,104 526 0 EDUCATION 2,566 0 0 MAINTENANCE 1,663 416 0 TAXES AND LICENSES 560 140 0 ACCREDITATION 400 0 0 TOTAL 35,730 6,210 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 10B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART IX, LINE 24E
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0true
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd1false

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$43,902
Liabilities
$957
Net assets
$42,945
Revenue
$139,803
Expenses
$352,079
Net income
-$212,276
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$1.21$0.00$1.21$0.16$7.27$7.10
2017Detailed filing. Detailed filing data is available for this year.$8.31$0.00$8.31$8.86$0.98$7.88
2016Detailed filing. Detailed filing data is available for this year.$0.44$0.01$0.43$1.40$3.52$2.12
2015Detailed filing. Detailed filing data is available for this year.$2.62$0.07$2.55$3.63$4.23$0.60
2014Summary only. Only limited summary data is available for this year.$2.83$0.02$2.81$4.24$4.65$0.40
2013Summary only. Only limited summary data is available for this year.$3.28$0.07$3.21$3.94$5.25$1.30
2012Summary only. Only limited summary data is available for this year.$4.53$0.02$4.51$4.95$6.49$1.54
2011Summary only. Only limited summary data is available for this year.$6.05$0.00$6.05$6.04$6.81$0.77
Peer Organizations

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