Civic Intelligence

American Credit Foundation

EIN 87-0628487 • 501(c)3 • Midvale, UT

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Profile

The purpose of this organization is to provide free credit counseling to the general public. Direct consultations with trained staff, program implementation and seminars have been extremely successful.

7720 South 700 EastMidvale, UT 84047

www.americancreditfoundation.com

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 2022

Liabilities / Revenue

20th percentile

0.00x

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

501(c)3 • $1M-$5M nonprofits • Source year 2022

Net Margin

11th percentile

-27%

Higher net margin than 11% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2022

Top Officer Pay

69th percentile

$105,969

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 6.0% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2022

Asset Growth

2nd percentile

-100%

Faster asset growth than 2% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Revenue Growth

14th percentile

-22%

Faster revenue growth than 14% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$396,369

Down $57,774 (-13%) from 2020

Liabilities

Up

$201,826

Up $40,693 (+25%) from 2020

Net Assets

Down

$194,543

Down $98,467 (-34%) from 2020

Operations
Liabilities / Revenue20th percentileNet Margin11th percentile

Revenue

Down

$2,269,508

Down $634,779 (-22%) from 2020

Expenses

Down

$2,268,704

Down $531,640 (-19%) from 2020

Net Income

Down

$804

Down $103,139 (-99%) from 2020

Trend Graphs

Balance Sheet Trend

Asset Growth2nd percentile

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

$600K$400K$200K$0Assets 2010: $489,125Liabilities 2010: $306,830Net Assets 2010: $182,2952010Assets 2011: $353,793Liabilities 2011: $162,309Net Assets 2011: $191,4842011Assets 2012: $345,681Liabilities 2012: $153,573Net Assets 2012: $192,1082012Assets 2013: $222,388Liabilities 2013: $27,296Net Assets 2013: $195,0922013Assets 2014: $208,789Liabilities 2014: $20,472Net Assets 2014: $188,3172014Assets 2015: $227,028Liabilities 2015: $59,625Net Assets 2015: $167,4032015Assets 2016: $295,842Liabilities 2016: $126,941Net Assets 2016: $168,9012016Assets 2017: $467,810Liabilities 2017: $297,712Net Assets 2017: $170,0982017Assets 2018: $459,161Liabilities 2018: $271,357Net Assets 2018: $187,8042018Assets 2019: $377,972Liabilities 2019: $188,905Net Assets 2019: $189,0672019Assets 2020: $454,143Liabilities 2020: $161,133Net Assets 2020: $293,0102020Assets 2021: $396,369Liabilities 2021: $201,826Net Assets 2021: $194,5432021

Highlighted filing

2021

Assets$396,369
Liabilities$201,826
Net Assets$194,543
Open 2021 Filing

Operations Trend

Revenue Growth14th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2010: $2,588,459Expenses 2010: $2,597,128Net Income 2010: -$8,6692010Expenses 2011: $2,480,8972011Revenue 2012: $2,243,655Expenses 2012: $2,242,806Net Income 2012: $8492012Revenue 2013: $2,185,799Expenses 2013: $2,182,815Net Income 2013: $2,9842013Revenue 2014: $2,161,602Expenses 2014: $2,168,377Net Income 2014: -$6,7752014Revenue 2015: $2,116,818Expenses 2015: $2,137,732Net Income 2015: -$20,9142015Revenue 2016: $2,235,024Expenses 2016: $2,233,526Net Income 2016: $1,4982016Revenue 2017: $2,212,148Expenses 2017: $2,210,951Net Income 2017: $1,1972017Revenue 2018: $2,418,129Expenses 2018: $2,400,423Net Income 2018: $17,7062018Revenue 2019: $2,609,887Expenses 2019: $2,608,624Net Income 2019: $1,2632019Revenue 2020: $2,904,287Expenses 2020: $2,800,344Net Income 2020: $103,9432020Revenue 2021: $2,269,508Expenses 2021: $2,268,704Net Income 2021: $8042021

Highlighted filing

2021

Revenue$2,269,508
Expenses$2,268,704
Net Income$804
Open 2021 Filing

Filings

Most recent year

2021 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$396,369
Liabilities
$201,826
Net assets
$194,543
Revenue
$2,269,508
Expenses
$2,268,704
Net income
$804
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.40$0.20$0.19$2.27$2.27$0.00
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.45$0.16$0.29$2.90$2.80$0.10
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.38$0.19$0.19$2.61$2.61$0.00
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.46$0.27$0.19$2.42$2.40$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.47$0.30$0.17$2.21$2.21$0.00
2016Summary only. Only limited summary data is available for this year.$0.30$0.13$0.17$2.24$2.23$0.00
2015Detailed filing. Detailed filing data is available for this year.$0.23$0.06$0.17$2.12$2.14$0.02
2014Detailed filing. Detailed filing data is available for this year.$0.21$0.02$0.19$2.16$2.17$0.01
2013Detailed filing. Detailed filing data is available for this year.$0.22$0.03$0.20$2.19$2.18$0.00
2012Summary only. Only limited summary data is available for this year.$0.35$0.15$0.19$2.24$2.24$0.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.35$0.16$0.19$2.48
2010Summary only. Only limited summary data is available for this year.$0.49$0.31$0.18$2.59$2.60$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Aug 9, 2022
Return Version
2021v4.0
Gross Receipts
$2,269,508
Mission and Program Overview

Mission

The purpose of this organization is to provide free credit counseling to the general public. Direct consultations with trained staff, program implementation and seminars have been extremely successful.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$118,293$194,791▲ $76,498
Rtn Earn Endowment Incm Other Fnds$193,739$194,543▲ $804
Savings and Temporary Cash Investments$164,091$133,676▼ $30,415
Land, Buildings, and Equipment, Net$72,488$67,902▼ $4,586
Total Assets$354,872$396,369▲ $41,497
Liabilities
Deferred Revenue$161,133$201,826▲ $40,693
Total Liabilities$161,133$201,826▲ $40,693
Net Assets / Fund Balance
Total Net Assets Fund Balance$193,739$194,543▲ $804
Total Liabilities and Net Assets / Fund Balance$354,872$396,369▲ $41,497

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$67,902$180,922$248,824
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseTotal
John C KellerManagerFT$111,803$111,803
Scott PetersonPresident-$50,000$50,000

Board Members and Trustees

NameTitle
Curtis JonesDirector
Daniel WeeksDirector
Mike CarpenterDirector
Richard FowlksDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$695,834
Program Service Revenue
$1,573,670
Investment Income
$4
Other Revenue
$0
All Other Contributions
$695,834
Change in Net Assets
$804

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,269,508
Total Revenue per Audited Statements
$2,269,508
Total Revenue per Form 990
$2,269,508
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,464,925
Salaries, Compensation, and Employee Benefits$778,779
Grants and Similar Amounts Paid$25,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$575,248$70,127-$645,375
Advertising$128,347--$128,347
Occupancy$110,880$15,120-$126,000
All Other Expenses$87,894$10,321-$98,215
Office Expenses$83,609$4,997-$88,606
Payroll Taxes$47,876$5,320-$53,196
Current Officers, Directors, Trustees, and Key Employees$42,500$7,500-$50,000
Insurance$37,753$2,410-$40,163
Other Employee Benefits$26,281$3,927-$30,208
Grants to Domestic Orgs$25,000--$25,000
Other Expenses$19,867$2,709-$22,576
Travel$12,784$395-$13,179
Fees for Services Accounting$11,544$608-$12,152
Fees for Services Other$6,902$363-$7,265
Conferences and Meetings$1,019$101-$1,120
Total Functional Expenses$2,138,895$129,809$0$2,268,704

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,268,704
Total Expenses per Audited Statements$2,268,704
Total Expenses per Form 990$2,268,704
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Lds ChurchSalt Lake City, UT-Help the Needy$25,000
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 35% controlled entity
Yes
Business relationship with family members
No
Business relationship with organization members
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 2

“Scott peterson impulse properties president gnl partner rents”

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 12C

“All employees are required to meet with management anually. Each employee is asked direct questions regarding conflict of interest.”

Form 990, Page 6, Part VI, Line 19

“All public documents are available for public inspection at the office of american credit foundation upon request.”

Filing and Contact Details

Filer

Filer Name
American Credit Foundation
EIN
87-0628487
Phone
8012081000
Address
7720 SOUTH 700 EAST, MIDVALE, UT 84047

Signing Officer

Name
Scott Peterson
Title
President
Phone
8012081000
Signed
2022-08-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott Peterson
Formed
1999
Legal Domicile
Ut
Voting Board Members
4
Independent Board Members
4
Employees
22
Volunteers
15

Preparer

Firm
Vickie Dean & Associates
Address
1888 S MAIN ST, SALT LAKE CITY, UT 84115
Preparer
Vickie L Dean
Phone
8014843472
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“The volunteers are all part-time. They receive no compensation and no benefits. They help to set up for conferences, fairs and education.”

Form 990, Page 2, Part III, Line 4A

“The purpose of this organization is to provide free credit counseling to the general public. This has been successful in the tax year 2013. Our experienced, trained staff have through direct consultations been able to help our clients, from all walks of life, to create debt management programs and maintain that program for longer than a year. This is a large accomplishment because most clients cannot maintain their program for a year. We credit our high retention numbers to the one on one trained credit counselors who follow up on a regular basis with their assigned client. We have also been successful with our free seminars that reach out to the general public. We have used both our in house facility and our out of the office. In these seminars we use trained staff to teach debt management, how to get out and stay out of debt, how to use money wisely in these tough economic conditions. These seminars have been well attended and we have received positive feedback from those attending the seminars.”

Form 990, Page 2, Part III, Line 4D

“Grant to lds church for help with the needy”

Raw XML AppendixShowing 400 of 413 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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IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0HELP THE NEEDY
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0LDS CHURCH
IRS990ScheduleI/RecipientTable/RecipientEIN0870234341
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt050 EAST NORTH TEMPLE
IRS990ScheduleI/RecipientTable/USAddress/CityNm0SALT LAKE CITY
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IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0GNL PARTNER
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IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0RENTS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE VOLUNTEERS ARE ALL PART-TIME. THEY RECEIVE NO COMPENSATION AND NO BENEFITS. THEY HELP TO SET UP FOR CONFERENCES, FAIRS AND EDUCATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE PURPOSE OF THIS ORGANIZATION IS TO PROVIDE FREE CREDIT COUNSELING TO THE GENERAL PUBLIC. THIS HAS BEEN SUCCESSFUL IN THE TAX YEAR 2013. OUR EXPERIENCED, TRAINED STAFF HAVE THROUGH DIRECT CONSULTATIONS BEEN ABLE TO HELP OUR CLIENTS, FROM ALL WALKS OF LIFE, TO CREATE DEBT MANAGEMENT PROGRAMS AND MAINTAIN THAT PROGRAM FOR LONGER THAN A YEAR. THIS IS A LARGE ACCOMPLISHMENT BECAUSE MOST CLIENTS CANNOT MAINTAIN THEIR PROGRAM FOR A YEAR. WE CREDIT OUR HIGH RETENTION NUMBERS TO THE ONE ON ONE TRAINED CREDIT COUNSELORS WHO FOLLOW UP ON A REGULAR BASIS WITH THEIR ASSIGNED CLIENT. WE HAVE ALSO BEEN SUCCESSFUL WITH OUR FREE SEMINARS THAT REACH OUT TO THE GENERAL PUBLIC. WE HAVE USED BOTH OUR IN HOUSE FACILITY AND OUR OUT OF THE OFFICE. IN THESE SEMINARS WE USE TRAINED STAFF TO TEACH DEBT MANAGEMENT, HOW TO GET OUT AND STAY OUT OF DEBT, HOW TO USE MONEY WISELY IN THESE TOUGH ECONOMIC CONDITIONS. THESE SEMINARS HAVE BEEN WELL ATTENDED AND WE HAVE RECEIVED POSITIVE FEEDBACK FROM THOSE ATTENDING THE SEMINARS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2GRANT TO LDS CHURCH FOR HELP WITH THE NEEDY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SCOTT PETERSON IMPULSE PROPERTIES PRESIDENT GNL PARTNER RENTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ALL EMPLOYEES ARE REQUIRED TO MEET WITH MANAGEMENT ANUALLY. EACH EMPLOYEE IS ASKED DIRECT QUESTIONS REGARDING CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ALL PUBLIC DOCUMENTS ARE AVAILABLE FOR PUBLIC INSPECTION AT THE OFFICE OF AMERICAN CREDIT FOUNDATION UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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ReturnHeader/BuildTS02022-09-23 18:48:47Z
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ReturnHeader/BusinessOfficerGrp/SignatureDt02022-08-09
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01888 S MAIN ST

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