Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 74-1882935

Jan 01, 2013 to Dec 31, 2013 • Filed on Jul 03, 2014

Organization ProfileCCCSSA.ORG

View Organization Page

6851 Citizens Parkway78229

(210) 979-4300

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

34th percentile

0.04x

Higher debt load relative to assets than 34% of similar nonprofits.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

40th percentile

0.06x

Higher debt load relative to revenue than 40% of similar nonprofits.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2013

Net Margin

44th percentile

0.9%

Higher net margin than 44% of similar nonprofits.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

69th percentile

$88,975

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 8.3% of source-year revenue.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2013

Asset Growth

40th percentile

-0.4%

Faster asset growth than 40% of similar nonprofits.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets34th percentile

Assets

Down

$1,882,954

Down $8,292 (-0.4%) from 2012

Net Assets

Up

$1,814,933

Up $9,329 (+0.5%) from 2012

Liabilities

Down

$68,021

Down $17,621 (-21%) from 2012

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin44th percentile

Revenue

$1,076,042

No earlier filing loaded for comparison.

Expenses

Down

$1,066,713

Down $84,331 (-7.3%) from 2012

Net Income

$9,329

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth40th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $2,039,193Liabilities 2010: $191,291Net Assets 2010: $1,847,9022010Assets 2011: $1,812,722Liabilities 2011: $169,631Net Assets 2011: $1,643,0912011Assets 2012: $1,891,246Liabilities 2012: $85,642Net Assets 2012: $1,805,6042012Assets 2013: $1,882,954Liabilities 2013: $68,021Net Assets 2013: $1,814,9332013

Highlighted filing

2013

Assets$1,882,954
Liabilities$68,021
Net Assets$1,814,933
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0Expenses 2010: $2,097,4642010Expenses 2011: $1,584,1262011Expenses 2012: $1,151,0442012Revenue 2013: $1,076,042Expenses 2013: $1,066,713Net Income 2013: $9,3292013

Highlighted filing

2013

Revenue$1,076,042
Expenses$1,066,713
Net Income$9,329
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 3, 2014
Return Version
2013v3.0
Gross Receipts
$1,241,996
Mission and Program Overview

Mission

Debt education and counseling

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$875,074$994,222▲ $119,148
Savings and Temporary Cash Investments$645,793$628,359▼ $17,434
Cash and Non-Interest-Bearing Accounts$342,841$231,406▼ $111,435
Accounts Receivable$12,541$20,312▲ $7,771
Total Assets$1,891,246$1,882,954▼ $8,292
Other Assets Total$14,997$8,655▼ $6,342
Liabilities
Escrow Account Liability$52,200$38,618▼ $13,582
Accounts Payable and Accrued Expenses$33,442$29,403▼ $4,039
Total Liabilities$85,642$68,021▼ $17,621
Net Assets / Fund Balance
Unrestricted Net Assets$1,805,604$1,814,933▲ $9,329
Total Net Assets Fund Balance$1,805,604$1,814,933▲ $9,329
Total Liabilities and Net Assets / Fund Balance$1,891,246$1,882,954▼ $8,292

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$727,125$630,950$1,358,075
Equipment$32,845$520,370$553,215
Land$234,252-$234,252
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gloria DelgadoPresident & CEOFT$86,500$2,475$88,975

Board Members and Trustees

NameTitle
Paul DenhamChairman of Bod
Mark SekulaVice Chair
Bob BenavidesDirector
Dan BoozerDirector
Karol SweitzerDirector
Philip CooleyDirector
Reagan MccoyDirector
Sardar BiglariDirector
Tina TorresDirector
William StipekDirector
Dennis C MoroneySecretary
William Regan JrTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$513,185
Program Service Revenue
$386,921
Investment Income
$51,200
Other Revenue
$124,736
All Other Contributions
$513,185
Change in Net Assets
$9,329
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$638,297
Other Expenses$428,416
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$412,678$72,823-$485,501
Office Expenses$68,338$34,224-$102,562
Current Officers, Directors, Trustees, and Key Employees$75,629$13,346-$88,975
Occupancy$23,361$35,042-$58,403
Depreciation Depletion$42,456$10,614-$53,070
Payroll Taxes$35,226$6,216-$41,442
Fees for Services Other$6,302$16,204-$22,506
Other Employee Benefits$19,022$3,357-$22,379
Insurance$9,680$10,488-$20,168
Advertising$19,109$390-$19,499
Information Technology$13,581$2,397-$15,978
Other Expenses$5,638$5,640-$11,278
Travel$4,052$7,202-$11,254
Conferences and Meetings-$1,868-$1,868
Total Functional Expenses$829,195$237,518$0$1,066,713
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
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, Section B, Line 11

“The form 990 is prepared by the agency's cpa firm. It is then reviewed by the agency cfo and president & ceo. A report is given to the finance committee by the cpa firm.”

Form 990, Part VI, Section B, Line 12C

“The board of directors review and affirm the conflict of interest policy annually.”

Form 990, Part VI, Section B, Line 15

“The executive committee reviews salaries of the executives each january. The committee reviews comparative salaries before making a recommendation of compensation.”

Form 990, Part VI, Section C, Line 19

“Financial information is published on guidestar and also available upon request. The organization's conflict of interest policy is required by coa. A copy is located in the employee handbook and the board member policy handbook and is also available upon request. Bylaws are filed with the texas secretary of state and with eoust. The organization's mission statement is published on its website.”

Filing and Contact Details

Filer

EIN
74-1882935
Phone
2109794300

Signing Officer

Name
Paul Denham
Title
President
Phone
2109794300
Signed
2014-07-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gloria Delgado
Formed
1974
Legal Domicile
TX
Voting Board Members
12
Independent Board Members
12
Employees
17
Volunteers
0

Preparer

Preparer
Randy L Walker CPA
Phone
2103669430
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“Consumer credit counseling service of greater san antonio provides counseling in the following areas: bankruptcy, housing, including foreclosure and reverse mortgage.”

Raw XML AppendixShowing 400 of 484 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/Desc0PROVIDED PERSONAL FINANCIAL COUNSELING AND EDUCATION TO OVER 4,625 PEOPLE IN THE SOUTH TEXAS AREA PROVIDING ASSISTANCE WITH BUDGETING AND DEBT MANAGEMENT BY TELEPHONE, INTERNET, AND FACE TO FACE. CERTIFIED CREDIT COUNSELORS HELPED THE CONSUMER ASSESS THEIR FINANCIAL SITUATION, DEVELOP A PLAN AND SET FINANCIAL GOALS. ALSO PROVIDED COUNSELING IN THE FOLLOWING AREAS: BANKRUPTCY, HOUSING INCLUDING FORECLOSURE AND REVERSE MORTGAGE; STUDENT LOAN; IDENTITY THEFT RESOLUTION; CREDIT SCORE ANALYSIS AND CREDIT REPORT REVIEW. EDUCATIONAL ACTIVITIES ARE ACCREDITED BY THE COUNCIL ON ACCREDITATION AS AN ACKNOWLEDGEMENT OF THE AGENCY'S COMMITMENT TO QUALITY SERVICE. ALL COUNSELORS ARE CERTIFIED THROUGH THE NATIONAL FOUNDATION FOR CREDIT COUNSELING'S CERTIFICATION PROGRAM.
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IRS990/ProgramServiceRevenueGrp/Desc0DEBT COUNSELING
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0386921
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IRS990/PYBenefitsPaidToMembersAmt00
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IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
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IRS990/PYOtherRevenueAmt0124875
IRS990/PYProgramServiceRevenueAmt0472247
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IRS990/PYTotalExpensesAmt01151044
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01313557
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt09329
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0122400
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0389257
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0645793
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0628359
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/Form990ScheduleAPartIVGrp/ExplanationTxt0MISCELLANEOUS INCOME - 2009 AMOUNT: $ 10,221. 2010 AMOUNT: $ 8,266. 2011 AMOUNT: $ 1,079. 2012 AMOUNT: $ 3,514. 2013 AMOUNT: $ 2,336.
IRS990ScheduleA/Form990ScheduleAPartIVGrp/FormAndLineReferenceDesc0SCHEDULE A, PART II, LINE 12, EXPLANATION OF OTHER INCOME:
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0985058
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt01216166
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt04145162
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt0136512
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt0123909
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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0810171
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IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt0132090
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0129325
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IRS990ScheduleA/InvestmentIncomePYPct00.07260
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IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
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IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt02170629
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt07762485
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IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/AgentTrusteeEtcInd01
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IRS990ScheduleD/DistributionsDuringYearAmt013582
IRS990ScheduleD/EndingBalanceAmt038618
IRS990ScheduleD/EquipmentGrp/BookValueAmt032845
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IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0234252
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0234252
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0CONSUMER CREDIT COUNSELING SERVICE OF GREATER SAN ANTONIO PROVIDES COUNSELING IN THE FOLLOWING AREAS: BANKRUPTCY, HOUSING, INCLUDING FORECLOSURE AND REVERSE MORTGAGE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0994222
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FORM 990 IS PREPARED BY THE AGENCY'S CPA FIRM. IT IS THEN REVIEWED BY THE AGENCY CFO AND PRESIDENT & CEO. A REPORT IS GIVEN TO THE FINANCE COMMITTEE BY THE CPA FIRM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS REVIEW AND AFFIRM THE CONFLICT OF INTEREST POLICY ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE EXECUTIVE COMMITTEE REVIEWS SALARIES OF THE EXECUTIVES EACH JANUARY. THE COMMITTEE REVIEWS COMPARATIVE SALARIES BEFORE MAKING A RECOMMENDATION OF COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FINANCIAL INFORMATION IS PUBLISHED ON GUIDESTAR AND ALSO AVAILABLE UPON REQUEST. THE ORGANIZATION'S CONFLICT OF INTEREST POLICY IS REQUIRED BY COA. A COPY IS LOCATED IN THE EMPLOYEE HANDBOOK AND THE BOARD MEMBER POLICY HANDBOOK AND IS ALSO AVAILABLE UPON REQUEST. BYLAWS ARE FILED WITH THE TEXAS SECRETARY OF STATE AND WITH EOUST. THE ORGANIZATION'S MISSION STATEMENT IS PUBLISHED ON ITS WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,882,954
Liabilities
$68,021
Net assets
$1,814,933
Revenue
$1,076,042
Expenses
$1,066,713
Net income
$9,329
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$1.88$0.07$1.81$1.08$1.07$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.89$0.09$1.81$1.15
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.81$0.17$1.64$1.58
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.04$0.19$1.85$2.10