Civic Intelligence

Consumer Credit Counseling Services of Puerto Rico Inc

EIN 66-0471799 • 501(c)3 • San Juan, PR

View Organization Page

Profile

Our mission is to educate and advise consumers and other entities in the financial professional and organizational development so that they can responsibly reach their goals by providing them training and counseling based on their expectations and needs

PO Box 8908San Juan, PR 00910-0908

www.consumerpr.org

Siviq Scores

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

Liabilities / Assets

88th percentile

0.60x

Higher debt load relative to assets than 88% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

85th percentile

0.42x

Higher debt load relative to revenue than 85% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Net Margin

24th percentile

-9.6%

Higher net margin than 24% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

68th percentile

13%

Faster asset growth than 68% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

54th percentile

9.2%

Faster revenue growth than 54% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$574,174

Up $64,638 (+13%) from 2023

Liabilities

Up

$342,488

Up $143,019 (+72%) from 2023

Net Assets

Down

$231,686

Down $78,381 (-25%) from 2023

Operations
Liabilities / Revenue85th percentileNet Margin24th percentile

Revenue

Up

$816,686

Up $68,612 (+9.2%) from 2023

Expenses

Down

$895,067

Down $52,103 (-5.5%) from 2023

Net Income

Up

-$78,381

Up $120,715 (+61%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth68th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $2,721,405Liabilities 2011: $157,129Net Assets 2011: $2,564,2762011Assets 2012: $2,953,116Liabilities 2012: $268,340Net Assets 2012: $2,684,7762012Assets 2013: $3,018,896Liabilities 2013: $104,452Net Assets 2013: $2,914,4442013Assets 2014: $3,145,464Liabilities 2014: $138,052Net Assets 2014: $3,007,4122014Assets 2015: $3,000,938Liabilities 2015: $105,609Net Assets 2015: $2,895,3292015Assets 2016: $2,474,928Liabilities 2016: $72,629Net Assets 2016: $2,402,2992016Assets 2017: $2,331,531Liabilities 2017: $36,765Net Assets 2017: $2,294,7662017Assets 2018: $1,822,265Liabilities 2018: $52,271Net Assets 2018: $1,769,9942018Assets 2019: $1,069,135Liabilities 2019: $22,859Net Assets 2019: $1,046,2762019Assets 2020: $1,036,318Liabilities 2020: $157,068Net Assets 2020: $879,2502020Assets 2021: $1,006,489Liabilities 2021: $179,134Net Assets 2021: $827,3552021Assets 2022: $689,028Liabilities 2022: $178,844Net Assets 2022: $510,1842022Assets 2023: $509,536Liabilities 2023: $199,469Net Assets 2023: $310,0672023Assets 2024: $574,174Liabilities 2024: $342,488Net Assets 2024: $231,6862024

Highlighted filing

2024

Assets$574,174
Liabilities$342,488
Net Assets$231,686
Open 2024 Filing

Operations Trend

Revenue Growth54th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $2,535,074Expenses 2011: $2,521,242Net Income 2011: $13,8322011Revenue 2012: $2,511,182Expenses 2012: $2,487,858Net Income 2012: $23,3242012Revenue 2013: $2,482,137Expenses 2013: $2,158,193Net Income 2013: $323,9442013Revenue 2014: $2,383,006Expenses 2014: $2,289,478Net Income 2014: $93,5282014Revenue 2015: $2,141,563Expenses 2015: $2,255,791Net Income 2015: -$114,2282015Revenue 2016: $1,428,285Expenses 2016: $1,975,914Net Income 2016: -$547,6292016Revenue 2017: $1,290,035Expenses 2017: $1,520,209Net Income 2017: -$230,1742017Revenue 2018: $1,000,159Expenses 2018: $1,399,176Net Income 2018: -$399,0172018Revenue 2019: $711,621Expenses 2019: $1,492,103Net Income 2019: -$780,4822019Revenue 2020: $941,287Expenses 2020: $1,151,427Net Income 2020: -$210,1402020Revenue 2021: $1,023,666Expenses 2021: $1,044,897Net Income 2021: -$21,2312021Revenue 2022: $751,580Expenses 2022: $969,027Net Income 2022: -$217,4472022Revenue 2023: $748,074Expenses 2023: $947,170Net Income 2023: -$199,0962023Revenue 2024: $816,686Expenses 2024: $895,067Net Income 2024: -$78,3812024

Highlighted filing

2024

Revenue$816,686
Expenses$895,067
Net Income-$78,381
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$574,174
Liabilities
$342,488
Net assets
$231,686
Revenue
$816,686
Expenses
$895,067
Net income
-$78,381
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.57$0.34$0.23$0.82$0.90$0.08
2023Detailed filing. Detailed filing data is available for this year.$0.51$0.20$0.31$0.75$0.95$0.20
2022Detailed filing. Detailed filing data is available for this year.$0.69$0.18$0.51$0.75$0.97$0.22
2021Detailed filing. Detailed filing data is available for this year.$1.01$0.18$0.83$1.02$1.04$0.02
2020Detailed filing. Detailed filing data is available for this year.$1.04$0.16$0.88$0.94$1.15$0.21
2019Summary only. Only limited summary data is available for this year.$1.07$0.02$1.05$0.71$1.49$0.78
2018Summary only. Only limited summary data is available for this year.$1.82$0.05$1.77$1.00$1.40$0.40
2017Summary only. Only limited summary data is available for this year.$2.33$0.04$2.29$1.29$1.52$0.23
2016Summary only. Only limited summary data is available for this year.$2.47$0.07$2.40$1.43$1.98$0.55
2015Detailed filing. Detailed filing data is available for this year.$3.00$0.11$2.90$2.14$2.26$0.11
2014Summary only. Only limited summary data is available for this year.$3.15$0.14$3.01$2.38$2.29$0.09
2013Summary only. Only limited summary data is available for this year.$3.02$0.10$2.91$2.48$2.16$0.32
2012Summary only. Only limited summary data is available for this year.$2.95$0.27$2.68$2.51$2.49$0.02
2011Summary only. Only limited summary data is available for this year.$2.72$0.16$2.56$2.54$2.52$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.1
Gross Receipts
$816,686
Mission and Program Overview

Mission

Our mission is to educate and advise consumers and other entities in the financial professional and organizational development so that they can responsibly reach their goals by providing them training and counseling based on their expectations and needs

Community based mission-driven organization engaged in providing financial counseling.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$327,639$219,739▼ $107,900
Accounts Receivable$126,867$106,828▼ $20,039
Cash and Non-Interest-Bearing Accounts$37,205$104,588▲ $67,383
Prepaid Expenses and Deferred Charges$6,980$7,109▲ $129
Land, Buildings, and Equipment, Net$8,678$4,705▼ $3,973
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$509,536$574,174▲ $64,638
Other Assets Total$2,167$131,205▲ $129,038
Liabilities
Mortgage Notes Payable Secured by Investment Property$155,775$153,452▼ $2,323
Other Liabilities$0$133,630▲ $133,630
Accounts Payable and Accrued Expenses$41,527$45,824▲ $4,297
Deferred Revenue$0$9,080▲ $9,080
Escrow Account Liability$2,167$502▼ $1,665
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$199,469$342,488▲ $143,019
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$310,067$231,686▼ $78,381
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$310,067$231,686▼ $78,381
Total Liabilities and Net Assets / Fund Balance$509,536$574,174▲ $64,638

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$2,364$22,712$25,076
Equipment$2,341$1,003$3,344
Other Assets Org$130,703--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eugenio M Alonso - Left 09-2024President and CEO ConsumersFT$138,218$2,400$140,618

Board Members and Trustees

NameTitle
Rafael Llompart ToddPresident
David FloresDirector of Client Svc Pgm Performance
Michael Shinkonis - Began 8-2024Chief Financial Officer
Richard T Hollis - End 9-2024Chief Financial Officer
Carlos Padin BibiloniTreasurer
Arturo CarrionVocal
Eugenio M Alonso - Began 10-2024Vocal
Pedro GonzalezVocal
Revenue and Support

Revenue Composition

Contributions and Grants
$634,757
Program Service Revenue
$94,073
Investment Income
$12,101
Other Revenue
$75,755
All Other Contributions
$30,439
Change in Net Assets
$-78,381

Audited Revenue Reconciliation

Revenue per Audited Statements
$816,686
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$816,686
Total Revenue per Form 990
$816,686
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$597,589
Other Expenses$297,478
Total Fundraising Expense$89,821
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$220,102$90,014$34,592$344,708
Current Officers, Directors, Trustees, and Key Employees$89,786$36,721$14,111$140,618
Occupancy$53,657$21,944$8,433$84,034
Other Employee Benefits$36,028$14,734$5,662$56,424
Other Expenses$33,998$13,904$5,344$53,246
Fees for Services Other$29,530$12,077$4,641$46,248
Payroll Taxes$26,136$10,689$4,108$40,933
Office Expenses$13,560$5,546$2,131$21,237
Pension Plan Contributions$9,518$3,892$1,496$14,906
Fees for Services Accounting$9,387$3,839$1,475$14,701
Travel$7,264$2,971$1,142$11,377
All Other Expenses$6,589$2,697$1,034$10,320
Interest$2,641$1,080$415$4,136
Insurance$2,573$1,052$404$4,029
Depreciation Depletion$2,537$1,037$399$3,973
Conferences and Meetings$199$81$32$312
Fees for Services Legal$77$31$12$120
Total Functional Expenses$571,514$233,732$89,821$895,067

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$895,067
Total Expenses per Audited Statements$895,067
Total Expenses per Form 990$895,067
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Operating Lease Liability$133,630
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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
Yes
Management duties delegated
No

Governance Explanations

Part VI, Line 6

“The sole member of consumer credit counseling service of puerto rico inc. Is greenpath inc.”

Part VI, Line 7A

“Cccs of puerto rico inc. Is a sole member structure where the sole member of cccs of puerto rico inc. Is involved in significant governance and financial decisions including the final authority over the composition of the board of directors of cccs of puerto rico inc.”

Part VI, Line 7B

“Cccs of puerto rico inc. Is a sole member structure where the sole member of cccs of puerto rico inc. Is involved in significant governance and financial decisions including the final authority over the composition of the board of directors of cccs of puerto rico inc.”

Part VI, Line 8A

“The organization maintains no committees with delegated authority to represent or act for the board.”

Part VI, Line 11A

“After the president reviewed and endorsed the document it is subsequently submitted to the board of directors for their ultimate approval. This process ensures that all decisions are thoroughly vetted and supported by the leadership team.”

Part VI, Line 12C

“Consumer credit counseling of pr is a nonprofit organization organized under laws and regulations of a board of directors. The board of directors establishes the goals and objectives of the corporation approving long range plans and resources necessary to accomplish them. Our company also has by-laws for employees including the following policies: equal opportunity employee code of conduct attendance vacation and time-off employee disciplinary actions employee compliance ethics work schedule and rest period workplace security benefits and compensation travel remote work etc.”

Part VI, Line 15

“The president ceo and key employees compensation were documented by hr in 2019 and were approved by the bod”

Part VI, Line 18

“Availabe for inspections by any regulatior or interested party. A visible copy is kept in each branch office”

Part VI, Line 19

“Visible copies of governing docuemnts conflict of interest policies and financial statements are kept in the lobby of each branch.”

Part VIII Line 2

“| Explanation:| ALL OTHER PROFESSIONAL SCIENTIFIC AND TECHNICAL SERVICES”

Filing and Contact Details

Filer

Filer Name
Consumer Credit Counseling Services of Puerto Rico Inc
EIN
66-0471799
Phone
7877228835
Address
PO BOX 8908, SAN JUAN, PR 00910-0908

Signing Officer

Name
Michael
Title
Shinkonis
Phone
7877228835
Signed
2025-11-14
Discuss with paid preparer
No

Organization Details

Principal Officer
David Flores
Formed
1990
Legal Domicile
Pr
Voting Board Members
5
Independent Board Members
5
Employees
13
Volunteers
5

Preparer

Firm
Afs CPA Group LLC
Address
PO BOX 1314, GURABO, PR 00778
Preparer
Katherine Candelario
Supplemental Narrative

Additional Explanations

Part XII, Line 2C

“The company assumes responsibilities for the oversight process or selection process during the year.”

Financial Statement Notes

Part X, line 2

“The organization is exempt from federal income taxes under section 501c3 of the internal revenue code. The organization determined it was not required to record a liability related to uncertain tax positions.”

Part IV, line 2B

“As a credit counseling organization cccs of puerto rico inc. Collects amounts from debtors to remit to their creditors as per the program guidelines.”

Raw XML AppendixShowing 400 of 930 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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IRS990/Form990PartVIISectionAGrp/PersonNm1RICHARD T HOLLIS - END 9-2024
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IRS990/Form990PartVIISectionAGrp/TitleTxt2DIR OF CLIENT SVC PGM PERFORMANCE
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IRS990/MissionDesc0OUR MISSION IS TO EDUCATE AND ADVISE CONSUMERS AND OTHER ENTITIES IN THE FINANCIAL PROFESSIONAL AND ORGANIZATIONAL DEVELOPMENT SO THAT THEY CAN RESPONSIBLY REACH THEIR GOALS BY PROVIDING THEM TRAINING AND COUNSELING BASED ON THEIR EXPECTATIONS AND NEEDS
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