Civic Intelligence

Consumer Credit Counseling Services of West Florida Inc

990 • Fiscal year 2017 • EIN 52-1242143

Jan 01, 2017 to Dec 31, 2017 • Filed on Sep 13, 2018

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

26th percentile

0.00x

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

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Liabilities / Revenue

26th percentile

0.00x

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

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Net Margin

98th percentile

89%

Higher net margin than 98% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Top Officer Pay

49th percentile

$0

Higher top officer pay than 49% of similar nonprofits.

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

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Asset Growth

100th percentile

1794%

Faster asset growth than 100% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2016 to 2017

Revenue Growth

99th percentile

534%

Faster revenue growth than 99% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets26th percentile

Assets

Up

$831,429

Up $787,527 (+1794%) from 2016

Net Assets

Up

$831,429

Up $788,484 (+1836%) from 2016

Liabilities

Down

$0

Down $957 (-100%) from 2016

Revenue And Expenses
Liabilities / Revenue26th percentileNet Margin98th percentile

Revenue

Up

$886,399

Up $746,596 (+534%) from 2016

Expenses

Down

$97,915

Down $254,164 (-72%) from 2016

Net Income

Up

$788,484

Up $1,000,760 (+471%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth100th 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

2017

Assets$831,429
Liabilities$0
Net Assets$831,429
Open 2017 Filing

Operations Trend

Revenue Growth99th 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

2017

Revenue$886,399
Expenses$97,915
Net Income$788,484
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Sep 13, 2018
Return Version
2017v2.3
Gross Receipts
$886,399
Mission and Program Overview

Mission

To provide financial counseling to the public

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$43,902$831,429▲ $787,527
Total Assets$43,902$831,429▲ $787,527
Liabilities
Accounts Payable and Accrued Expenses$957--
Total Liabilities$957$0▼ $957
Net Assets / Fund Balance
Unrestricted Net Assets$42,945$831,429▲ $788,484
Total Net Assets Fund Balance$42,945$831,429▲ $788,484
Total Liabilities and Net Assets / Fund Balance$43,902$831,429▲ $787,527
Compensation and Service Providers
Top Officer Pay49th percentile

Board Members and Trustees

NameTitle
Jerry MaygardenChairman
Erin Ramos-luttrellVice Chairma
Edward RanelliDirector
John ClarkDirector
Kristin RushingDirector
Mark HardenDirector
Natalie ShearlockDirector
Pamela HattDirector
Walter WallaceDirector
Paul YoungSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$884,277
Program Service Revenue
$0
Investment Income
$2,122
Other Revenue
$0
Change in Net Assets
$788,484
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$54,761
Salaries, Compensation, and Employee Benefits$43,154
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$40,000-$40,000
Fees for Services Accounting-$22,672-$22,672
Insurance-$3,478-$3,478
Payroll Taxes-$3,154-$3,154
Fees for Services Legal-$2,970-$2,970
Occupancy-$1,431-$1,431
Other Expenses-$373-$373
Total Functional Expenses$0$97,915$0$97,915
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
No
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
Chairman
Phone
8504340268
Signed
2018-09-13

Organization Details

Principal Officer
Jerry Maygarden
Formed
1975
Legal Domicile
Fl
Voting Board Members
10
Independent Board Members
10
Employees
1

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, Page 2, Part III, Line 3

“The organization ceased its credit counseling operations in the prior year, and will liquidate its remaining assets during 2018.”

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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION CEASED ITS CREDIT COUNSELING OPERATIONS IN THE PRIOR YEAR, AND WILL LIQUIDATE ITS REMAINING ASSETS DURING 2018.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CONSUMER CREDIT COUNSELING SERVICES OF WEST FLORIDA ADHERES TO NFCC QUALITY STANDARDS AND COMPLETES NFCC MEMBER AGENCY CERTIFICATION ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FINANCIAL STATEMENTS AND OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 10B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0true
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd1false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt0CONSUMER
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt1CONSUMER
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine2Txt0CREDIT COUNSELING SERVICES OF W FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine2Txt1CREDIT COUNSELING SERVICES OF W FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0THE CONSUMER CREDIT COUNSELING
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt114 S PALAFOX PLACE INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine2Txt0EDUCATIONAL TRUST
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0593247402
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN1593156757
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501C3
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt1501C2
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd1FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0TRUST
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt1OCCUPANCY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt012B
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt0PO BOX 950
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt1PO BOX 950
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0PENSACOLA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm1PENSACOLA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd1FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd032591
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd132591
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/SupplementalInformationDetail/ExplanationTxt0CONSUMER CREDIT COUNSELING SERVICES OF WEST FLORIDA, INC. IS RELATED TO 14 S. PALAFOX PLACE, INC. AND THE CONSUMER CREDIT COUNSELING SERVICES EDUCATIONAL TRUST DUE TO COMMON CONTROL BY BOARD MEMBERS.
IRS990ScheduleR/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE R
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt0884277
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0CASH
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt014 S PALAFOX PLACE INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0C
IRS990ScheduleR/TransferFromOtherOrgInd0false
IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0true
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt043902
IRS990/TotalAssetsEOYAmt0831429
IRS990/TotalAssetsGrp/BOYAmt043902
IRS990/TotalAssetsGrp/EOYAmt0831429
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0884277
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt097915
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt097915
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0957
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt0957
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt042945
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0831429
IRS990/TotalRevenueGrp/ExclusionAmt02122
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0886399
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt043902
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0831429
IRS990/TransactionWithControlEntInd0true
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt042945
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0831429
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 950
IRS990/USAddress/CityNm0PENSACOLA
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032591
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JERRY MAYGARDEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum08504340268
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-09-13

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$831,429
Liabilities
$0
Net assets
$831,429
Revenue
$886,399
Expenses
$97,915
Net income
$788,484
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