Civic Intelligence

Christian Asset Resource Education Services

EIN 68-0237162 • 501(c)3 • Tulsa, OK

Profile

Credit counseling services

8810 E 63rd StTulsa, OK 74133

n/A

Siviq Scores

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

Liabilities / Assets

84th percentile

0.26x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2017

Liabilities / Revenue

69th percentile

0.01x

Higher debt load relative to revenue than 69% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2017

Net Margin

47th percentile

0.3%

Higher net margin than 47% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

44th percentile

-5.0%

Faster asset growth than 44% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Revenue Growth

39th percentile

-11%

Faster revenue growth than 39% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$5,746

Down $302 (-5.0%) from 2016

Liabilities

Down

$1,500

Down $672 (-31%) from 2016

Net Assets

Up

$4,246

Up $370 (+9.5%) from 2016

Operations
Liabilities / Revenue69th percentileNet Margin47th percentile

Revenue

Down

$122,037

Down $15,454 (-11%) from 2016

Expenses

Down

$121,667

Down $13,632 (-10%) from 2016

Net Income

Down

$370

Down $1,822 (-83%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

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

$200K$100K$0-$100K-$200KAssets 2010: $73,440Liabilities 2010: $196,242Net Assets 2010: -$122,8022010Assets 2011: $37,573Liabilities 2011: $195,660Net Assets 2011: -$158,0872011Assets 2012: $30,135Liabilities 2012: $195,101Net Assets 2012: -$164,9662012Assets 2013: $39,380Liabilities 2013: $2,072Net Assets 2013: $37,3082013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014Assets 2015: $23,796Liabilities 2015: $1,856Net Assets 2015: $21,9402015Assets 2016: $6,048Liabilities 2016: $2,172Net Assets 2016: $3,8762016Assets 2017: $5,746Liabilities 2017: $1,500Net Assets 2017: $4,2462017

Highlighted filing

2017

Assets$5,746
Liabilities$1,500
Net Assets$4,246
Open 2017 Filing

Operations Trend

Revenue Growth39th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $245,1882010Revenue 2011: $262,276Expenses 2011: $297,059Net Income 2011: -$34,7832011Revenue 2012: $249,360Expenses 2012: $256,239Net Income 2012: -$6,8792012Revenue 2013: $446,966Expenses 2013: $244,692Net Income 2013: $202,2742013Revenue 2014: $229,892Expenses 2014: $244,035Net Income 2014: -$14,1432014Revenue 2015: $207,429Expenses 2015: $208,680Net Income 2015: -$1,2512015Revenue 2016: $137,491Expenses 2016: $135,299Net Income 2016: $2,1922016Revenue 2017: $122,037Expenses 2017: $121,667Net Income 2017: $3702017

Highlighted filing

2017

Revenue$122,037
Expenses$121,667
Net Income$370
Open 2017 Filing

Filings

Most recent year

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

Open filing
Assets
$5,746
Liabilities
$1,500
Net assets
$4,246
Revenue
$122,037
Expenses
$121,667
Net income
$370
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$0.06$0.02$0.04$1.22$1.22$0.00
2016Detailed filing. Detailed filing data is available for this year.$0.06$0.02$0.04$1.37$1.35$0.02
2015Detailed filing. Detailed filing data is available for this year.$0.24$0.02$0.22$2.07$2.09$0.01
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$2.30$2.44$0.14
2013Detailed filing. Detailed filing data is available for this year.$0.39$0.02$0.37$4.47$2.45$2.02
2012Summary only. Only limited summary data is available for this year.$0.30$1.95$1.65$2.49$2.56$0.07
2011Summary only. Only limited summary data is available for this year.$0.38$1.96$1.58$2.62$2.97$0.35
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.73$1.96$1.23$2.45
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Oct 30, 2018
Return Version
2017v2.2
Gross Receipts
$122,037
Mission and Program Overview

Mission

Credit counseling services

Credit counseling service agency dedicated to helping individuals and families achieve financial freedom.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$3,876$4,246▲ $370
Cash and Non-Interest-Bearing Accounts$3,980$3,935▼ $45
Land, Buildings, and Equipment, Net$17$0▼ $17
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$6,048$5,746▼ $302
Other Assets Total$2,051$1,811▼ $240
Liabilities
Accounts Payable and Accrued Expenses$2,172$1,500▼ $672
Total Liabilities$2,172$1,500▼ $672
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,876$4,246▲ $370
Total Liabilities and Net Assets / Fund Balance$6,048$5,746▼ $302

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$54,816$54,816
Other Assets Org$1,811--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Lawrence RosebureCEO - CccsFT$45,420$45,420
Harold L HendricksPresidentFT$3,500$3,500

Board Members and Trustees

NameTitle
Al BaugherBoard Member
Bobby LinigerBoard Member
Eleanor R BaileyBoard Member
James H BennettBoard Member
Jeff YoungBoard Member
Jennifer WilburnBoard Member
Ralph LeBlancBoard Member
Richard J MayerBoard Member
William P McKeeBoard Member
Janice HendricksCFO
Revenue and Support

Revenue Composition

Contributions and Grants
$122,037
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
All Other Contributions
$122,037
Change in Net Assets
$370

Audited Revenue Reconciliation

Revenue per Audited Statements
$122,037
Total Revenue per Audited Statements
$122,037
Total Revenue per Form 990
$122,037
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$63,059
Salaries, Compensation, and Employee Benefits$58,608
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$45,420$3,500-$48,920
Occupancy$16,786$3,615-$20,401
Fees for Services Management$17,175--$17,175
Office Expenses$11,210$2,414-$13,624
Other Salaries and Wages$5,280--$5,280
Payroll Taxes$4,140$268-$4,408
Insurance$2,783$250-$3,033
Fees for Services Legal-$2,873-$2,873
Other Expenses$74$16-$90
Depreciation Depletion-$17-$17
Total Functional Expenses$106,373$15,294$0$121,667

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$121,667
Total Expenses per Audited Statements$121,667
Total Expenses per Form 990$121,667
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et

“Harold Hendricks is the father-in-law to Lawrence Rosbure.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The form 990 is discussed at the annual board meeting and is on file in the office of the organization.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Organization will make documents available to public upon written request from properly interested party.”

Filing and Contact Details

Filer

Filer Name
Christian Asset Resource
EIN
68-0237162
Phone
9184925585
Address
8810 E 63rd St, Tulsa, OK 74133

Signing Officer

Name
Harold Hendricks
Title
President
Signed
2018-10-30
Discuss with paid preparer
Yes

Organization Details

Formed
1992
Legal Domicile
Ok
Voting Board Members
10
Independent Board Members
9
Employees
1

Preparer

Firm
Hinkle & Company Pc
Address
5028 East 101st St, Tulsa, OK 74137
Preparer
Kolton D Taylor CPA
Phone
9184923388
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IRS990/OfficeExpensesGrp/TotalAmt013624
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt02051
IRS990/OtherAssetsTotalGrp/EOYAmt01811
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Other Expense
IRS990/OtherExpensesGrp/Desc1Accreditation
IRS990/OtherExpensesGrp/Desc2Repairs & Maintenance
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01446
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1895
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt216
IRS990/OtherExpensesGrp/ProgramServicesAmt03505
IRS990/OtherExpensesGrp/ProgramServicesAmt174
IRS990/OtherExpensesGrp/TotalAmt04951
IRS990/OtherExpensesGrp/TotalAmt1895
IRS990/OtherExpensesGrp/TotalAmt290
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt05280
IRS990/OtherSalariesAndWagesGrp/TotalAmt05280
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0268
IRS990/PayrollTaxesGrp/ProgramServicesAmt04140
IRS990/PayrollTaxesGrp/TotalAmt04408
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt030749
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt060223
IRS990/PYProgramServiceRevenueAmt0106742
IRS990/PYRevenuesLessExpensesAmt02192
IRS990/PYSalariesCompEmpBnftPaidAmt075076
IRS990/PYTotalExpensesAmt0135299
IRS990/PYTotalRevenueAmt0137491
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0370
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0107267
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03876
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04246
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt014770
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt030749
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt074749
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt083775
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt098865
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0302908
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt023
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt023
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0107267
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0106742
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0132680
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0146117
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0155198
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0648004
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt023
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt023
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0950912
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0122037
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0137491
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0207429
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0229892
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0254063
IRS990ScheduleA/Total509Grp/TotalAmt0950912
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0122037
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0137491
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0207429
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0229892
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0254086
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0950935
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/EquipmentGrp/DepreciationAmt054816
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt054816
IRS990ScheduleD/ExpensesSubtotalAmt0121667
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt01811
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Deposits
IRS990ScheduleD/RevenueSubtotalAmt0122037
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01811
IRS990ScheduleD/TotalExpensesPerForm990Amt0121667
IRS990ScheduleD/TotalRevenuePerForm990Amt0122037
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0122037
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0121667
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Harold Hendricks is the father-in-law to Lawrence Rosbure.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The form 990 is discussed at the annual board meeting and is on file in the office of the organization.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Organization will make documents available to public upon written request from properly interested party.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/StatesWhereCopyOfReturnIsFldCd1OK
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt06048
IRS990/TotalAssetsEOYAmt05746
IRS990/TotalAssetsGrp/BOYAmt06048
IRS990/TotalAssetsGrp/EOYAmt05746
IRS990/TotalCompGreaterThan150KInd0false

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