Civic Intelligence

First Stone Credit Conseling

990EZ • Fiscal year 2022 • EIN 75-2698055

Mar 01, 2021 to Feb 28, 2022 • Filed on Jan 16, 2023

Organization ProfileN/A
2701 W 15th Street 541Plano, TX 75075

(972) 235-1188

Siviq Scores

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

Liabilities / Assets

83rd percentile

0.16x

Higher debt load relative to assets than 83% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Liabilities / Revenue

99th percentile

5.44x

Higher debt load relative to revenue than 99% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Net Margin

48th percentile

3.7%

Higher net margin than 48% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Top Officer Pay

78th percentile

$0

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Asset Growth

48th percentile

0.0%

Faster asset growth than 48% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

28th percentile

-15%

Faster revenue growth than 28% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Up

$167,999

Up $56 (+0.0%) from 2021

Net Assets

Up

$140,804

Up $56 (+0.0%) from 2021

Liabilities

Flat

$27,195

Flat from 2021

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin48th percentile

Revenue

Down

$5,001

Down $850 (-15%) from 2021

Expenses

Down

$4,816

Down $2,615 (-35%) from 2021

Net Income

Up

$185

Up $1,765 (+112%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth48th percentile

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

$300K$200K$100K$0Assets 2012: $203,084Liabilities 2012: $73,619Net Assets 2012: $129,4652012Assets 2013: $209,806Liabilities 2013: $73,619Net Assets 2013: $136,1872013Assets 2014: $193,006Liabilities 2014: $63,832Net Assets 2014: $129,1742014Assets 2015: $188,544Liabilities 2015: $27,1952015Assets 2016: $188,582Liabilities 2016: $27,195Net Assets 2016: $161,3872016Assets 2017: $176,618Liabilities 2017: $27,195Net Assets 2017: $149,4232017Assets 2018: $171,457Liabilities 2018: $27,195Net Assets 2018: $144,2622018Assets 2019: $174,663Liabilities 2019: $27,195Net Assets 2019: $147,4682019Assets 2020: $169,523Liabilities 2020: $27,195Net Assets 2020: $142,3282020Assets 2021: $167,943Liabilities 2021: $27,195Net Assets 2021: $140,7482021Assets 2022: $167,999Liabilities 2022: $27,195Net Assets 2022: $140,8042022

Highlighted filing

2022

Assets$167,999
Liabilities$27,195
Net Assets$140,804
Open 2022 Filing

Operations Trend

Revenue Growth28th percentile

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

$200K$100K$0-$100KRevenue 2012: $173,217Expenses 2012: $191,520Net Income 2012: -$18,3032012Revenue 2013: $124,923Expenses 2013: $118,201Net Income 2013: $6,7222013Revenue 2014: $80,238Expenses 2014: $87,251Net Income 2014: -$7,0132014Revenue 2015: $72,598Expenses 2015: $77,060Net Income 2015: -$4,4622015Revenue 2016: $24,158Expenses 2016: $24,120Net Income 2016: $382016Revenue 2017: $6,374Expenses 2017: $18,338Net Income 2017: -$11,9642017Revenue 2018: $12,361Expenses 2018: $17,522Net Income 2018: -$5,1612018Revenue 2019: $15,696Expenses 2019: $12,490Net Income 2019: $3,2062019Revenue 2020: $7,912Expenses 2020: $13,052Net Income 2020: -$5,1402020Revenue 2021: $5,851Expenses 2021: $7,431Net Income 2021: -$1,5802021Revenue 2022: $5,001Expenses 2022: $4,816Net Income 2022: $1852022

Highlighted filing

2022

Revenue$5,001
Expenses$4,816
Net Income$185
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Mar 1, 2021 to Feb 28, 2022
Signed
Jan 16, 2023
Return Version
2021v4.1
Gross Receipts
$5,001
Mission and Program Overview

Mission

CREDIT COUNSELING

Program Services

DescriptionGrantsExpenses
THE TAXPAYER ASSITS PEOPLE IN RESOLVING CREDIT ISSUES AND TO LEARN HOW TO PROPERLY BUDGET THEIR FINANCES-$3,578
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
BRUCE DANIELSONChairman/Ex DirectorFT$0--
Filing and Contact Details

Filer

Filer Name
First Stone Credit Conseling
EIN
75-2698055
Phone
9722351188
Address
2701 W 15TH STREET 541, PLANO, TX 75075

Signing Officer

Name
Bruce Danielson
Title
Chairman/ex Director
Signed
2023-01-16
Discuss with paid preparer
Yes

Preparer

Firm
Bruce A Sostak PC
Address
3309 SANTANA LANE, Plano, TX 75023
Preparer
Bruce a Sostak
Phone
9725670260
Supplemental Narrative

Additional Explanations

Other Expenses.1002

“Office Expenses $1007”

Other Expenses.1003

“Information Technology $249”

Other Expenses.1

“INTERNET $1829”

Other Expenses.2

“PROGRAM EXPENSES $896”

Other Expenses.3

“TELEPHONE $451”

Other Expenses.4

“AUTO $35”

Other Assets.1005

“Accounts Receivable - Beginning $160051 Accounts Receivable - Ending $160051”

Total Liabilities.1006

“Payable to Officers, Directors, Etc. - Beginning $27195 Payable to Officers, Directors, Etc. - Ending $27195”

Raw XML Appendix169 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.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0JD DANIELSON
IRS990EZ/BooksInCareOfDetail/PhoneNum09722351188
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt02701 W 15TH STREET 541
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0PLANO
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd075075
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt07892
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt07948
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0185
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0160
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0167943
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0167999
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GrossReceiptsAmt05001
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt01
IRS990EZ/LoansToFromOfficersAmt027195
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0true
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0140748
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0140804
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0140748
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0140804
IRS990EZ/OccupancyRentUtltsAndMaintAmt0189
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0BRUCE DANIELSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0CHAIRMAN/EX DIR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0160051
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0160051
IRS990EZ/OtherChangesInNetAssetsAmt0-129
IRS990EZ/OtherExpensesTotalAmt04467
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0CREDIT COUNSELING
IRS990EZ/ProgramServiceRevenueAmt05000
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0THE TAXPAYER ASSITS PEOPLE IN RESOLVING CREDIT ISSUES AND TO LEARN HOW TO PROPERLY BUDGET THEIR FINANCES
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt03578
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt027195
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt027195
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt04816
IRS990EZ/TotalProgramServiceExpensesAmt03578
IRS990EZ/TotalRevenueAmt05001
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/First5Years509Ind0X
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt00
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt01
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt01
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt01
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt01
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt04
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt05850
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt07911
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt015695
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt012360
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt041816
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt01
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt01
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt01
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt01
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt04
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.00000
IRS990ScheduleA/PublicSupportTotal509Amt041816
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt05850
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt07911
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt015695
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt012360
IRS990ScheduleA/Total509Grp/TotalAmt041816
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt05851
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt07912
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt015696
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt012361
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt041820
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt027195
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BRUCE DANIELSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Office Expenses $1007
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Information Technology $249
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2INTERNET $1829
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PROGRAM EXPENSES $896
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4TELEPHONE $451
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5AUTO $35
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Accounts Receivable - Beginning $160051 Accounts Receivable - Ending $160051
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Payable to Officers, Directors, Etc. - Beginning $27195 Payable to Officers, Directors, Etc. - Ending $27195
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1002
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other Expenses.1003
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Expenses.1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Expenses.2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other Expenses.3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Expenses.4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other Assets.1005
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Total Liabilities.1006
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02023-03-07 01:45:13Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BRUCE DANIELSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN/EX DIR
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-01-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FIRST STONE CREDIT CONSELING
ReturnHeader/Filer/BusinessNameControlTxt0FIRS
ReturnHeader/Filer/EIN0752698055
ReturnHeader/Filer/PhoneNum09722351188
ReturnHeader/Filer/USAddress/AddressLine1Txt02701 W 15TH STREET 541
ReturnHeader/Filer/USAddress/CityNm0PLANO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd075075
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0752677448
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Bruce A Sostak PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03309 SANTANA LANE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Plano
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd075023
ReturnHeader/PreparerPersonGrp/PhoneNum09725670260
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRUCE A SOSTAK
ReturnHeader/ReturnTs02023-01-16T19:06:50-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0BRUCE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0DANIELSON
ReturnHeader/TaxPeriodBeginDt02021-03-01
ReturnHeader/TaxPeriodEndDt02022-02-28
ReturnHeader/TaxYr02021

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$167,999
Liabilities
$27,195
Net assets
$140,804
Revenue
$5,001
Expenses
$4,816
Net income
$185
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$1.68$0.27$1.41$0.05$0.05$0.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.68$0.27$1.41$0.06$0.07$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.70$0.27$1.42$0.08$0.13$0.05
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.75$0.27$1.47$0.16$0.12$0.03
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.71$0.27$1.44$0.12$0.18$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.77$0.27$1.49$0.06$0.18$0.12
2016Detailed filing. Detailed filing data is available for this year.$1.89$0.27$1.61$0.24$0.24$0.00
2015Summary only. Only limited summary data is available for this year.$1.89$0.27$0.73$0.77$0.04
2014Detailed filing. Detailed filing data is available for this year.$1.93$0.64$1.29$0.80$0.87$0.07
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.10$0.74$1.36$1.25$1.18$0.07
2012Summary only. Only limited summary data is available for this year.$2.03$0.74$1.29$1.73$1.92$0.18