Civic Intelligence

American Credit Foundation

990 • Fiscal year 2016 • EIN 87-0628487

Jan 01, 2016 to Dec 31, 2016 • Filed on Aug 08, 2017

Organization ProfileWWW.AMERICANCREDITFOUNDATION.COM

View Organization Page

7720 South 700 EastMidvale, UT 84047

(801) 208-1000

Siviq Scores

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

Liabilities / Assets

76th percentile

0.43x

Higher debt load relative to assets than 76% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

38th percentile

0.06x

Higher debt load relative to revenue than 38% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Net Margin

42nd percentile

0.1%

Higher net margin than 42% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

35th percentile

$0

Higher top officer pay than 35% of similar nonprofits.

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

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Asset Growth

87th percentile

30%

Faster asset growth than 87% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

57th percentile

5.6%

Faster revenue growth than 57% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets76th percentile

Assets

Flat

$295,842

Flat from 2016

Net Assets

Flat

$168,901

Flat from 2016

Liabilities

Flat

$126,941

Flat from 2016

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin42nd percentile

Revenue

Flat

$2,235,024

Flat from 2016

Expenses

Flat

$2,233,526

Flat from 2016

Net Income

Flat

$1,498

Flat from 2016

Historical Trend

Balance Sheet Trend

Asset Growth87th percentile

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

$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 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

2016

Assets$295,842
Liabilities$126,941
Net Assets$168,901
Open 2016 Filing

Operations Trend

Revenue Growth57th percentile

Revenue, expenses, and net income across loaded years, with this 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 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

2016

Revenue$2,235,024
Expenses$2,233,526
Net Income$1,498
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Aug 8, 2017
Return Version
2016v3.0
Gross Receipts
$2,235,024
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
Savings and Temporary Cash Investments$112,043$179,383▲ $67,340
Rtn Earn Endowment Incm Other Fnds$167,403$168,901▲ $1,498
Cash and Non-Interest-Bearing Accounts$71,759$73,768▲ $2,009
Land, Buildings, and Equipment, Net$43,226$42,691▼ $535
Total Assets$227,028$295,842▲ $68,814
Liabilities
Deferred Revenue$59,625$126,941▲ $67,316
Total Liabilities$59,625$126,941▲ $67,316
Net Assets / Fund Balance
Total Net Assets Fund Balance$167,403$168,901▲ $1,498
Total Liabilities and Net Assets / Fund Balance$227,028$295,842▲ $68,814

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$42,691$170,324$213,015
Compensation and Service Providers
Top Officer Pay35th percentile

Board Members and Trustees

NameTitle
Scott PetersonPresident
Curtis JonesDirector
Daniel WeeksDirector
Mike CarpenterDirector
Richard FowlksDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Fluent LLCAdvertising33 WHITEHALL STREET 15TH FLOOR, New York, NY 10004$200,980
Revenue and Support

Revenue Composition

Contributions and Grants
$753,057
Program Service Revenue
$1,481,931
Investment Income
$36
Other Revenue
$0
All Other Contributions
$582,609
Change in Net Assets
$1,498

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,235,024
Total Revenue per Audited Statements
$2,235,024
Total Revenue per Form 990
$2,235,024
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,336,578
Salaries, Compensation, and Employee Benefits$860,908
Grants and Similar Amounts Paid$36,040
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$628,311$69,813-$698,124
Advertising$212,850--$212,850
Occupancy$112,640$15,360-$128,000
All Other Expenses$95,752$6,736-$102,488
Office Expenses$71,377$4,758-$76,135
Payroll Taxes$61,793$9,233-$71,026
Current Officers, Directors, Trustees, and Key Employees$45,000$5,000-$50,000
Fees for Services Other$41,598$1,287-$42,885
Other Employee Benefits$36,329$5,429-$41,758
Grants to Domestic Orgs$36,040--$36,040
Travel$27,620$854-$28,474
Insurance$20,358$2,776-$23,134
Fees for Services Accounting$20,777$1,094-$21,871
Other Expenses$16,284$1,809-$18,093
Fees for Services Legal$695--$695
Total Functional Expenses$2,096,035$137,491$0$2,233,526

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,233,526
Total Expenses per Audited Statements$2,233,526
Total Expenses per Form 990$2,233,526
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Lds ChurchSalt Lake City, UT-Help the Needy$36,040
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
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
2017-08-08
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
38
Volunteers
20

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

“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 411 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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IRS990ScheduleD/EquipmentGrp/BookValueAmt042691
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0170324
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IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0HELP THE NEEDY
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IRS990ScheduleI/RecipientTable/RecipientEIN0870234341
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt0150 S NORTH TEMPLE
IRS990ScheduleI/RecipientTable/USAddress/CityNm0SALT LAKE CITY
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IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0GNL PARTNER
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0RENTS
IRS990/ScheduleORequiredInd0false
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/ExplanationTxt1MANAGEMENT, 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/BusinessOfficerGrp/PersonNm0SCOTT PETERSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08012081000
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-08-08
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01888 S MAIN ST

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$295,842
Liabilities
$126,941
Net assets
$168,901
Revenue
$2,235,024
Expenses
$2,233,526
Net income
$1,498
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
2016Detailed filing. Detailed filing data is available for this year.$0.30$0.13$0.17$2.24$2.23$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