Civic Intelligence

Consumer Credit Counseling Service of Central Oklahoma Inc

EIN 73-0766646 • 501(c)3 • Farmington Hills, MI

Profile

FINANCIAL COUNSELING

36500 Corporate DriveFarmington Hills, MI 48331

www.cccsok.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2018

Liabilities / Revenue

62nd percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2018

Net Margin

8th percentile

-129%

Higher net margin than 8% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Top Officer Pay

94th percentile

$51,227

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 38.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2018

Asset Growth

10th percentile

-100%

Faster asset growth than 10% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

9th percentile

-83%

Faster revenue growth than 9% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Assets

Down

$0

Down $549,903 (-100%) from 2017

Liabilities

Down

$0

Down $93,370 (-100%) from 2017

Net Assets

Down

$0

Down $456,533 (-100%) from 2017

Revenue

Down

$134,869

Down $674,466 (-83%) from 2017

Expenses

Down

$308,619

Down $430,568 (-58%) from 2017

Net Income

Down

-$173,750

Down $243,898 (-348%) from 2017

Trend Graphs

Balance Sheet Trend

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

$600K$400K$200K$0Assets 2011: $513,518Liabilities 2011: $109,990Net Assets 2011: $403,5282011Assets 2012: $379,562Liabilities 2012: $38,612Net Assets 2012: $340,9502012Assets 2013: $364,984Liabilities 2013: $36,443Net Assets 2013: $328,5412013Assets 2014: $398,953Liabilities 2014: $42,173Net Assets 2014: $356,7802014Assets 2015: $401,104Liabilities 2015: $31,642Net Assets 2015: $369,4622015Assets 2016: $409,694Liabilities 2016: $55,212Net Assets 2016: $354,4822016Assets 2017: $549,903Liabilities 2017: $93,370Net Assets 2017: $456,5332017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2018

Assets$0
Liabilities$0
Net Assets$0

Operations Trend

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $1,300,333Expenses 2011: $1,307,189Net Income 2011: -$6,8562011Revenue 2012: $1,038,771Expenses 2012: $1,101,349Net Income 2012: -$62,5782012Revenue 2013: $890,311Expenses 2013: $902,720Net Income 2013: -$12,4092013Revenue 2014: $895,613Expenses 2014: $867,375Net Income 2014: $28,2382014Revenue 2015: $842,221Expenses 2015: $829,539Net Income 2015: $12,6822015Revenue 2016: $788,255Expenses 2016: $803,234Net Income 2016: -$14,9792016Revenue 2017: $809,335Expenses 2017: $739,187Net Income 2017: $70,1482017Revenue 2018: $134,869Expenses 2018: $308,619Net Income 2018: -$173,7502018

Highlighted filing

2018

Revenue$134,869
Expenses$308,619
Net Income-$173,750

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Apr 1, 2017 to Mar 31, 2018
Signed
Feb 20, 2019
Return Version
2018v3.1
Gross Receipts
$134,869
Mission and Program Overview

Mission

FINANCIAL COUNSELING

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$244,680$0▼ $244,680
Savings and Temporary Cash Investments$133,467$0▼ $133,467
Accounts Receivable$72,778$0▼ $72,778
Land, Buildings, and Equipment, Net$69,786$0▼ $69,786
Investments Program Related$23,790$0▼ $23,790
Investments in Publicly Traded Securities$3,500$0▼ $3,500
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-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$549,903$0▼ $549,903
Other Assets Total$1,902$0▼ $1,902
Liabilities
Other Liabilities$82,576--
Accounts Payable and Accrued Expenses$10,794--
Total Liabilities$93,370$0▼ $93,370
Net Assets / Fund Balance
Unrestricted Net Assets$429,682--
Permanently Rstr Net Assets$26,851--
Total Net Assets Fund Balance$456,533$0▼ $456,533
Total Liabilities and Net Assets / Fund Balance$549,903$0▼ $549,903
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
John L CooperPresident & CEOFT$51,227$51,227

Board Members and Trustees

NameTitle
CHARLES de COUNEBoard Chairman
Melinda LauffenburgerVice Chairman
Cindy RandolphDirector
Dee BloseDirector
Dr Candy SebertDirector
Eric L JohnsonDirector
Jeri StroupDirector
John H MarshallDirector
Luke WigleyDirector
Randy ThurmanDirector
Sheldon EdmondDirector
Richard HollisCFO
Jennifer BealeSecretary
Bryan J HallTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$21,121
Program Service Revenue
$113,719
Investment Income
$29
Other Revenue
$0
All Other Contributions
$21,121
Change in Net Assets
$-173,750

Audited Revenue Reconciliation

Revenue per Audited Statements
$134,869
Total Revenue per Audited Statements
$134,869
Total Revenue per Form 990
$134,869
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$241,151
Other Expenses$67,468
Total Fundraising Expense$7,722
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$153,089$10,094$5,047$168,230
Current Officers, Directors, Trustees, and Key Employees-$51,227-$51,227
Insurance$23,513$1,550$775$25,838
Payroll Taxes$16,543$1,091$545$18,179
Occupancy$6,314$417$208$6,939
All Other Expenses$6,281$413$208$6,902
Fees for Services Accounting$5,643$372$186$6,201
Pension Plan Contributions$3,199$211$105$3,515
Other Expenses$1,595$105$53$1,753
Advertising$1,571$103$52$1,726
Travel$179$12$6$197
Total Functional Expenses$234,227$66,670$7,722$308,619

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$308,619
Total Expenses per Audited Statements$308,619
Total Expenses per Form 990$308,619
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
Yes
Backup withholding compliance
Yes
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
Yes
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, Part VI, Line 11B: Form 990 Review Process

A copy of the return will be reviewed at the Board of Director meeting.

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

Board Members and Senior Managers are required to disclose where they work and any interactions that might have with the organization on a business basis.

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

The Board of Directors, who serve without compensation, review the any compensation changes to the employees of the organization.

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

When information is requested, it is made available at the organization's office, mailed or e-mailed to the requesting party.

Filing and Contact Details

Filer

Filer Name
Consumer Credit Counseling Service of
EIN
73-0766646
Phone
2485535400
Address
36500 Corporate Drive, Farmington Hills, MI 48331

Signing Officer

Name
Richard Hollis
Title
CFO
Signed
2019-02-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John L Cooper
Formed
1967
Legal Domicile
Ok
Voting Board Members
15
Independent Board Members
13
Employees
13

Preparer

Firm
Gillispie & Ogilbee PC
Address
4400 N Meridian, Oklahoma City, OK 73112
Preparer
John P Ogilbee CPA
Phone
4059473030
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

Asset transfer to greenpath inc = -$282783

Schedule N, Part I

On March 19, 2018, the Board of Directors of Consumer Credit Counseling Service of Central Oklahoma, a Oklahoma not for profit corporation entered into an Asset Transfer Agreement to be effective on March 31, 2018 with GreenPath, Inc., a Michigan nonprofit corporation. Under that agreement, all the assets of Consumer Credit Counseling Service were transfered to GreenPath, Inc. Consumer Credit Counseling Service ceased operations on March 31, 2018. GreenPath, Inc., assumed the credit counseling of Consumer Credit Counseling Service's clients.GreenPath, Inc., is a Internal Revenue Code Section 501 (c)(3) organization.All of Consumer Credit Counseling Service's assets were transfered to GreenPath, Inc. A copy of the Resolution of Board of Directors authorising the transfer is attached. The full Asset Transfer Agreement is available if requested.

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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt029
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IRS990/InvestmentsProgramRelatedGrp/BOYAmt023790
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt03500
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt069786
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LegalDomicileStateCd0OK
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0FINANCIAL COUNSELING
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0456533
IRS990/NetAssetsOrFundBalancesEOYAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt0208
IRS990/OccupancyGrp/ManagementAndGeneralAmt0417
IRS990/OccupancyGrp/ProgramServicesAmt06314
IRS990/OccupancyGrp/TotalAmt06939
IRS990/OfficeExpensesGrp/TotalAmt00
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt01902
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt0-282783
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0TELEPHONE
IRS990/OtherExpensesGrp/Desc1TECHNOLOGY
IRS990/OtherExpensesGrp/Desc2DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3EMPLOYEE RECOGNITION
IRS990/OtherExpensesGrp/FundraisingAmt0271
IRS990/OtherExpensesGrp/FundraisingAmt1171
IRS990/OtherExpensesGrp/FundraisingAmt295
IRS990/OtherExpensesGrp/FundraisingAmt353
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0542
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1343
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2190
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3105
IRS990/OtherExpensesGrp/ProgramServicesAmt08220
IRS990/OtherExpensesGrp/ProgramServicesAmt15202
IRS990/OtherExpensesGrp/ProgramServicesAmt22878
IRS990/OtherExpensesGrp/ProgramServicesAmt31595
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IRS990/OtherExpensesGrp/TotalAmt15716
IRS990/OtherExpensesGrp/TotalAmt23163
IRS990/OtherExpensesGrp/TotalAmt31753
IRS990/OtherLiabilitiesGrp/BOYAmt082576
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IRS990/OtherSalariesAndWagesGrp/FundraisingAmt05047
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IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0153089
IRS990/OtherSalariesAndWagesGrp/TotalAmt0168230
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt0545
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt01091
IRS990/PayrollTaxesGrp/ProgramServicesAmt016543
IRS990/PayrollTaxesGrp/TotalAmt018179
IRS990/PensionPlanContributionsGrp/FundraisingAmt0105
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0211
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt03199
IRS990/PensionPlanContributionsGrp/TotalAmt03515
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt026851
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0JOHN L COOPER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0CREDIT COUNSELING REVENUE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0113719
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0113719
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0376538
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0900
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0282822
IRS990/PYProgramServiceRevenueAmt0431897
IRS990/PYRevenuesLessExpensesAmt070148
IRS990/PYSalariesCompEmpBnftPaidAmt0456365
IRS990/PYTotalExpensesAmt0739187
IRS990/PYTotalRevenueAmt0809335
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-173750
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0133467
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt021121
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0376538
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0419996
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0422322
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0401531
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01641508
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt029
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt0900
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt0370
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0358
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt01459
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt03116
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0113719
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0431897
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0367889
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0419541
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0492623
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt01825669
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt029

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