Civic Intelligence

The Consumer Credit Counseling Educational Trust

990 • Fiscal year 2016 • EIN 59-3247402

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 14, 2017

Organization ProfileN/A
PO Box 950Pensacola, FL 32591-0950

(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.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Liabilities / Revenue

26th percentile

0.00x

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

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Net Margin

14th percentile

-20%

Higher net margin than 14% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

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.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Asset Growth

60th percentile

5.3%

Faster asset growth than 60% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2015 to 2016

Revenue Growth

68th percentile

14%

Faster revenue growth than 68% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets26th percentile

Assets

Up

$648,169

Up $32,758 (+5.3%) from 2015

Net Assets

Up

$648,169

Up $32,758 (+5.3%) from 2015

Liabilities

Flat

$0

Flat from 2015

Revenue And Expenses
Liabilities / Revenue26th percentileNet Margin14th percentile

Revenue

Up

$24,633

Up $2,991 (+14%) from 2015

Expenses

Up

$29,570

Up $363 (+1.2%) from 2015

Net Income

Up

-$4,937

Up $2,628 (+35%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth60th percentile

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

$800K$600K$400K$200K$0Assets 2011: $528,267Liabilities 2011: $0Net Assets 2011: $528,2672011Assets 2012: $580,724Liabilities 2012: $0Net Assets 2012: $580,7242012Assets 2013: $653,065Liabilities 2013: $0Net Assets 2013: $653,0652013Assets 2014: $644,679Liabilities 2014: $0Net Assets 2014: $644,6792014Assets 2015: $615,411Liabilities 2015: $0Net Assets 2015: $615,4112015Assets 2016: $648,169Liabilities 2016: $0Net Assets 2016: $648,1692016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2016

Assets$648,169
Liabilities$0
Net Assets$648,169
Open 2016 Filing

Operations Trend

Revenue Growth68th percentile

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

$100K$50K$0-$50KRevenue 2011: $31,071Expenses 2011: $11,689Net Income 2011: $19,3822011Revenue 2012: $31,893Expenses 2012: $4,116Net Income 2012: $27,7772012Revenue 2013: $54,255Expenses 2013: $4,422Net Income 2013: $49,8332013Revenue 2014: $84,460Expenses 2014: $52,322Net Income 2014: $32,1382014Revenue 2015: $21,642Expenses 2015: $29,207Net Income 2015: -$7,5652015Revenue 2016: $24,633Expenses 2016: $29,570Net Income 2016: -$4,9372016Revenue 2017: $41,400Expenses 2017: $3,797Net Income 2017: $37,6032017

Highlighted filing

2016

Revenue$24,633
Expenses$29,570
Net Income-$4,937
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 14, 2017
Return Version
2016v3.0
Gross Receipts
$95,171
Mission and Program Overview

Mission

To provide funding for education.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$595,468$631,322▲ $35,854
Savings and Temporary Cash Investments$19,943$16,847▼ $3,096
Total Assets$615,411$648,169▲ $32,758
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Unrestricted Net Assets$615,411$648,169▲ $32,758
Total Net Assets Fund Balance$615,411$648,169▲ $32,758
Total Liabilities and Net Assets / Fund Balance$615,411$648,169▲ $32,758
Compensation and Service Providers
Top Officer Pay49th percentile

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$24,633
Other Revenue
$0
Change in Net Assets
$-4,937
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$24,856
Other Expenses$4,714
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs$24,856--$24,856
Other Expenses$4,714--$4,714
Total Functional Expenses$29,570$0$0$29,570
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Consumer Credit Counseling ServicePensacola, FL501c3Economic Assistance$24,856
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
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
No
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 11B

“A draft of the form 990 is presented to the board prior to filing.”

Form 990, Page 6, Part VI, Line 19

“Financial statements and other documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
The Consumer Credit Counseling
EIN
59-3247402
Phone
8504340268
Address
PO BOX 950, PENSACOLA, FL 32591-0950

Signing Officer

Name
Jerry Maygarden
Title
President
Phone
8504340268
Signed
2017-04-14

Organization Details

Principal Officer
Jerry Maygarden
Formed
1992
Legal Domicile
Fl
Voting Board Members
12
Independent Board Members
11
Employees
0
Volunteers
4

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 XI, Line 9

“Unrealized gain on investments 37,695”

Raw XML AppendixShowing 400 of 424 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FINANCIAL STATEMENTS AND OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2UNREALIZED GAIN ON INVESTMENTS 37,695
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART XI, LINE 9
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0true
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd1false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt0CONSUMER
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine2Txt0CREDIT COUNSELING SERVICES OF W FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0CONSUMER CREDIT COUNSELING SERVICES
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt114 S PALAFOX PLACE INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine2Txt0OF WEST FLORIDA INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0521242143
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN1593156757
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501C3
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt1501C2
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd1FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0COUNSELING
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt1OCCUPANCY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt010
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt014 S PALAFOX PLACE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt114 S PALAFOX PLACE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0PENSACOLA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm1PENSACOLA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd1FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd032594
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd132594
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/SupplementalInformationDetail/ExplanationTxt0THE CONSUMER CREDIT COUNSELING SERVICES EDUCATIONAL TRUST IS RELATED TO 14 S. PALAFOX PLACE, INC. AND CONSUMER CREDIT COUNSELING SERVICES OF WEST FLORIDA, INC. DUE TO COMMON CONTROL BY BOARD MEMBERS.
IRS990ScheduleR/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE R
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt024856
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0CASH
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0CONSUMER CREDIT COUNSELING SERVICES
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0B
IRS990ScheduleR/TransferFromOtherOrgInd0false
IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0615411
IRS990/TotalAssetsEOYAmt0648169
IRS990/TotalAssetsGrp/BOYAmt0615411
IRS990/TotalAssetsGrp/EOYAmt0648169
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt029570
IRS990/TotalFunctionalExpensesGrp/TotalAmt029570
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0615411
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0648169
IRS990/TotalProgramServiceExpensesAmt029570
IRS990/TotalRevenueGrp/ExclusionAmt019740
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04893
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt024633
IRS990/TotalVolunteersCnt04
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0615411
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0648169
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0615411
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0648169
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 950
IRS990/USAddress/CityNm0PENSACOLA
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032591
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JERRY MAYGARDEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08504340268
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-04-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0THE CONSUMER CREDIT COUNSELING

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$648,169
Liabilities
$0
Net assets
$648,169
Revenue
$24,633
Expenses
$29,570
Net income
-$4,937
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.41$0.04$0.38
2016Detailed filing. Detailed filing data is available for this year.$6.48$0.00$6.48$0.25$0.30$0.05
2015Detailed filing. Detailed filing data is available for this year.$6.15$0.00$6.15$0.22$0.29$0.08
2014Summary only. Only limited summary data is available for this year.$6.45$0.00$6.45$0.84$0.52$0.32
2013Summary only. Only limited summary data is available for this year.$6.53$0.00$6.53$0.54$0.04$0.50
2012Summary only. Only limited summary data is available for this year.$5.81$0.00$5.81$0.32$0.04$0.28
2011Summary only. Only limited summary data is available for this year.$5.28$0.00$5.28$0.31$0.12$0.19