Civic Intelligence

Consumer Credit Counseling Service of Southern Oregon Inc

EIN 93-0585893 • 501(c)3 • Medford, OR

View Organization Page

Profile

To recognize and address the financial challenges of our clients and our community. Through professional counseling and education, we endeavor to promote financial stability.

820 Crater Lake Ave 202Medford, OR 97504

www.improvedcredit.org

Siviq Scores

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

Liabilities / Assets

87th percentile

0.63x

Higher debt load relative to assets than 87% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

90th percentile

1.23x

Higher debt load relative to revenue than 90% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

31st percentile

-3.5%

Higher net margin than 31% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

73rd percentile

$116,500

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 14.7% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

52nd percentile

4.2%

Faster asset growth than 52% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

52nd percentile

8.1%

Faster revenue growth than 52% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$1,543,174

Up $62,463 (+4.2%) from 2023

Liabilities

Up

$971,371

Up $90,159 (+10%) from 2023

Net Assets

Down

$571,803

Down $27,696 (-4.6%) from 2023

Operations
Liabilities / Revenue90th percentileNet Margin31st percentile

Revenue

Up

$792,659

Up $59,583 (+8.1%) from 2023

Expenses

Up

$820,355

Up $117,965 (+17%) from 2023

Net Income

Down

-$27,696

Down $58,382 (-190%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth52nd percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2011: $394,374Liabilities 2011: $19,196Net Assets 2011: $375,1782011Assets 2012: $368,263Liabilities 2012: $22,651Net Assets 2012: $345,6122012Assets 2013: $343,577Liabilities 2013: $22,532Net Assets 2013: $321,0452013Assets 2014: $364,714Liabilities 2014: $22,449Net Assets 2014: $342,2652014Assets 2015: $308,331Liabilities 2015: $9,397Net Assets 2015: $298,9342015Assets 2016: $291,682Liabilities 2016: $12,239Net Assets 2016: $279,4432016Assets 2017: $291,608Liabilities 2017: $15,829Net Assets 2017: $275,7792017Assets 2018: $367,935Liabilities 2018: $72,367Net Assets 2018: $295,5682018Assets 2019: $387,146Liabilities 2019: $34,827Net Assets 2019: $352,3192019Assets 2020: $492,916Liabilities 2020: $113,038Net Assets 2020: $379,8782020Assets 2021: $1,219,504Liabilities 2021: $715,304Net Assets 2021: $504,2002021Assets 2022: $1,270,086Liabilities 2022: $701,273Net Assets 2022: $568,8132022Assets 2023: $1,480,711Liabilities 2023: $881,212Net Assets 2023: $599,4992023Assets 2024: $1,543,174Liabilities 2024: $971,371Net Assets 2024: $571,8032024

Highlighted filing

2024

Assets$1,543,174
Liabilities$971,371
Net Assets$571,803
Open 2024 Filing

Operations Trend

Revenue Growth52nd percentile

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

$1.0M$500K$0-$500KRevenue 2011: $398,928Expenses 2011: $446,804Net Income 2011: -$47,8762011Revenue 2012: $387,312Expenses 2012: $416,878Net Income 2012: -$29,5662012Revenue 2013: $345,253Expenses 2013: $369,820Net Income 2013: -$24,5672013Revenue 2014: $398,259Expenses 2014: $377,039Net Income 2014: $21,2202014Revenue 2015: $322,375Expenses 2015: $365,706Net Income 2015: -$43,3312015Revenue 2016: $292,823Expenses 2016: $312,314Net Income 2016: -$19,4912016Revenue 2017: $326,063Expenses 2017: $329,727Net Income 2017: -$3,6642017Revenue 2018: $376,424Expenses 2018: $356,635Net Income 2018: $19,7892018Revenue 2019: $560,220Expenses 2019: $503,469Net Income 2019: $56,7512019Revenue 2020: $693,898Expenses 2020: $666,339Net Income 2020: $27,5592020Revenue 2021: $725,547Expenses 2021: $601,225Net Income 2021: $124,3222021Revenue 2022: $724,933Expenses 2022: $660,320Net Income 2022: $64,6132022Revenue 2023: $733,076Expenses 2023: $702,390Net Income 2023: $30,6862023Revenue 2024: $792,659Expenses 2024: $820,355Net Income 2024: -$27,6962024

Highlighted filing

2024

Revenue$792,659
Expenses$820,355
Net Income-$27,696
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,543,174
Liabilities
$971,371
Net assets
$571,803
Revenue
$792,659
Expenses
$820,355
Net income
-$27,696
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.54$0.97$0.57$0.79$0.82$0.03
2023Detailed filing. Detailed filing data is available for this year.$1.48$0.88$0.60$0.73$0.70$0.03
2022Detailed filing. Detailed filing data is available for this year.$1.27$0.70$0.57$0.72$0.66$0.06
2021Detailed filing. Detailed filing data is available for this year.$1.22$0.72$0.50$0.73$0.60$0.12
2020Detailed filing. Detailed filing data is available for this year.$0.49$0.11$0.38$0.69$0.67$0.03
2019Detailed filing. Detailed filing data is available for this year.$0.39$0.03$0.35$0.56$0.50$0.06
2018Detailed filing. Detailed filing data is available for this year.$0.37$0.07$0.30$0.38$0.36$0.02
2017Detailed filing. Detailed filing data is available for this year.$0.29$0.02$0.28$0.33$0.33$0.00
2016Detailed filing. Detailed filing data is available for this year.$0.29$0.01$0.28$0.29$0.31$0.02
2015Detailed filing. Detailed filing data is available for this year.$0.31$0.01$0.30$0.32$0.37$0.04
2014Detailed filing. Detailed filing data is available for this year.$0.36$0.02$0.34$0.40$0.38$0.02
2013Detailed filing. Detailed filing data is available for this year.$0.34$0.02$0.32$0.35$0.37$0.02
2012Summary only. Only limited summary data is available for this year.$0.37$0.02$0.35$0.39$0.42$0.03
2011Summary only. Only limited summary data is available for this year.$0.39$0.02$0.38$0.40$0.45$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 13, 2025
Return Version
2024v5.2
Gross Receipts
$792,659
Mission and Program Overview

Mission

To recognize and address the financial challenges of our clients and our community. Through professional counseling and education, we endeavor to promote financial stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$397,959$245,397▼ $152,562
Savings and Temporary Cash Investments-$210,447-
Accounts Receivable$217,712$136,568▼ $81,144
Prepaid Expenses and Deferred Charges$4,000$6,121▲ $2,121
Land, Buildings, and Equipment, Net$5,520$3,968▼ $1,552
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-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$1,480,711$1,543,174▲ $62,463
Other Assets Total$855,520$940,673▲ $85,153
Liabilities
Other Liabilities$827,608$924,047▲ $96,439
Accounts Payable and Accrued Expenses$25,692$30,698▲ $5,006
Escrow Account Liability$27,912$16,626▼ $11,286
Total Liabilities$881,212$971,371▲ $90,159
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$599,499$571,803▼ $27,696
Total Net Assets Fund Balance$599,499$571,803▼ $27,696
Total Liabilities and Net Assets / Fund Balance$1,480,711$1,543,174▲ $62,463

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$3,968$33,659$37,627
Other Assets Org$16,626--
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Bill IhleCEOFT$116,500$116,500

Board Members and Trustees

NameTitle
John BlackhurstPresident
Jose BugarinVice President
Eric MittonDirector
Jeff DunnDirector
Jim HayekDirector
Kristi Schoenbachler CPADirector
Rene L OrdonezDirector
Rocio SolisDirector
Terrill RoperDirector
Wendi HoughtonDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$296,554
Program Service Revenue
$489,901
Investment Income
$3,298
Other Revenue
$2,906
All Other Contributions
$296,554
Change in Net Assets
$-27,696

Audited Revenue Reconciliation

Revenue per Audited Statements
$792,659
Total Revenue per Audited Statements
$792,659
Total Revenue per Form 990
$792,659
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$422,460
Other Expenses$397,895
Total Fundraising Expense$59,029
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$180,302$23,593$25,892$229,787
Fees for Services Other$137,736--$137,736
Current Officers, Directors, Trustees, and Key Employees$100,190$7,573$8,737$116,500
Other Employee Benefits$38,269$4,252$4,725$47,246
Advertising$33,894--$33,894
Occupancy$27,521$2,266$2,590$32,377
Payroll Taxes$23,431$2,603$2,893$28,927
Fees for Services Accounting$23,197$1,910$2,183$27,290
Travel$14,706--$14,706
All Other Expenses$9,045$598$683$10,326
Office Expenses$8,070$665$760$9,495
Other Expenses$7,649$630$720$8,999
Insurance$4,712$388$443$5,543
Depreciation Depletion$1,319$109$124$1,552
Total Functional Expenses$708,621$52,705$59,029$820,355

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$820,355
Total Expenses per Audited Statements$820,355
Total Expenses per Form 990$820,355
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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Client Accounts$899,327
Lease Payable$24,720
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
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 11B

“Copies of the 990 and schedules are emailed to all board members for comment before the form 990 is sent to the irs.”

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

“Board members are asked to sign a conflict of interest policy on an annual basis and the policy is discussed during a monthly board meeting.”

Form 990, Part VI, Section B, Line 15A

“The board of directors approve the budget which includes the salary for the executive director.”

Form 990, Part VI, Section C, Line 19

“All other public documents are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Consumer Credit Counseling Service of
EIN
93-0585893
Phone
5417792273
Address
820 CRATER LAKE AVE 202, MEDFORD, OR 97504

Signing Officer

Name
Bill Ihle
Title
CEO
Signed
2025-06-13
Discuss with paid preparer
Yes

Organization Details

Formed
1971
Legal Domicile
Or
Voting Board Members
9
Independent Board Members
9
Employees
7
Volunteers
5

Preparer

Firm
Rwb and Co
Address
670 SUPERIOR CT STE 106, MEDFORD, OR 97504
Preparer
Richard W Brewster CPA
Phone
5417731885
Supplemental Narrative

Financial Statement Notes

Part IV, Line 2B: Explanation of escrow account liability

“The organization temporarily holds clients funds to be disbursed to creditors.”

Part X : FIN48 Footnote

“The organization does not believe there are any material uncertain tax positions, and accordingly, it will not recognize any liability for unrecognized tax benefits for the year.”

Raw XML AppendixShowing 400 of 534 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt025692
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt030698
IRS990/AccountsReceivableGrp/BOYAmt0217712
IRS990/AccountsReceivableGrp/EOYAmt0136568
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO RECOGNIZE AND ADDRESS THE FINANCIAL CHALLENGES OF OUR CLIENTS AND OUR COMMUNITY. THROUGH PROFESSIONAL COUNSELING AND EDUCATION, WE ENDEAVOR TO PROMOTE FINANCIAL STABILITY.
IRS990/AdvertisingGrp/ProgramServicesAmt033894
IRS990/AdvertisingGrp/TotalAmt033894
IRS990/AllOtherContributionsAmt0296554
IRS990/AllOtherExpensesGrp/FundraisingAmt0683
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt0598
IRS990/AllOtherExpensesGrp/ProgramServicesAmt09045
IRS990/AllOtherExpensesGrp/TotalAmt010326
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0BILL IHLE
IRS990/BooksInCareOfDetail/PhoneNum05417792273
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0820 CRATER LAKE AVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0MEDFORD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OR
IRS990/BooksInCareOfDetail/USAddress/ZIPCd097504
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0397959
IRS990/CashNonInterestBearingGrp/EOYAmt0245397
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt08737
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt07573
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0100190
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0116500
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0296554
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt03298
IRS990/CYOtherExpensesAmt0397895
IRS990/CYOtherRevenueAmt02906
IRS990/CYProgramServiceRevenueAmt0489901
IRS990/CYRevenuesLessExpensesAmt0-27696
IRS990/CYSalariesCompEmpBnftPaidAmt0422460
IRS990/CYTotalExpensesAmt0820355
IRS990/CYTotalFundraisingExpenseAmt059029
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0792659
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt0124
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt0109
IRS990/DepreciationDepletionGrp/ProgramServicesAmt01319
IRS990/DepreciationDepletionGrp/TotalAmt01552
IRS990/Desc0THE AGENCY PROVIDES FREE FINANCIAL COUNSELING, IN PERSON OR BY PHONE. COUNSELING IS CONFIDENTIAL AND IS PROVIDED BY A CREDIT COUNSELOR CERTIFIED BY THE NATIONAL FOUNDATION FOR CREDIT COUNSELING. IN 2023, WE CONDUCTED 1,2023 COUNSELING APPOINTMENTS. DURING THE APPOINTMENT, A PERSONALIZED BUDGET IS DEVELOPED AND A COMPREHENSIVE LIST OF CREDITORS IS CREATED. BASED ON THE PERSONS SPECIFIC FINANCIAL SITUATION, POSSIBLE OPTIONS ARE DISCUSSED. CLIENTS COMPLETE A FINANCIAL EXIT EVALUATION AND IN 2023 95% OF THE CLIENTS COUNSELED SAID THEY WOULD RATE OUR SERVICES AS EXCELLENT.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountLiabilityGrp/BOYAmt027912
IRS990/EscrowAccountLiabilityGrp/EOYAmt016626
IRS990/ExpenseAmt0708621
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt02183
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt01910
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt023197
IRS990/FeesForServicesAccountingGrp/TotalAmt027290
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0137736
IRS990/FeesForServicesOtherGrp/TotalAmt0137736
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282FiledCnt00
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0BILL IHLE
IRS990/Form990PartVIISectionAGrp/PersonNm1JOHN BLACKHURST
IRS990/Form990PartVIISectionAGrp/PersonNm2JIM HAYEK
IRS990/Form990PartVIISectionAGrp/PersonNm3ROCIO SOLIS
IRS990/Form990PartVIISectionAGrp/PersonNm4JEFF DUNN
IRS990/Form990PartVIISectionAGrp/PersonNm5JOSE BUGARIN
IRS990/Form990PartVIISectionAGrp/PersonNm6RENE L ORDONEZ
IRS990/Form990PartVIISectionAGrp/PersonNm7ERIC MITTON
IRS990/Form990PartVIISectionAGrp/PersonNm8KRISTI SCHOENBACHLER CPA
IRS990/Form990PartVIISectionAGrp/PersonNm9WENDI HOUGHTON
IRS990/Form990PartVIISectionAGrp/PersonNm10TERRILL ROPER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0116500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1President
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01971
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0792659
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/FundraisingAmt0443
IRS990/InsuranceGrp/ManagementAndGeneralAmt0388
IRS990/InsuranceGrp/ProgramServicesAmt04712
IRS990/InsuranceGrp/TotalAmt05543
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt03298
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03298
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt033659
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05520
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03968
IRS990/LandBldgEquipCostOrOtherBssAmt037627
IRS990/LegalDomicileStateCd0OR
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO RECOGNIZE AND ADDRESS THE FINANCIAL CHALLENGES OF OUR CLIENTS AND OUR COMMUNITY. THROUGH PROFESSIONAL COUNSELING AND EDUCATION, WE ENDEAVOR TO PROMOTE FINANCIAL STABILITY.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0599499
IRS990/NetAssetsOrFundBalancesEOYAmt0571803
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0599499
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0571803
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt02590
IRS990/OccupancyGrp/ManagementAndGeneralAmt02266
IRS990/OccupancyGrp/ProgramServicesAmt027521
IRS990/OccupancyGrp/TotalAmt032377
IRS990/OfficeExpensesGrp/FundraisingAmt0760
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0665
IRS990/OfficeExpensesGrp/ProgramServicesAmt08070
IRS990/OfficeExpensesGrp/TotalAmt09495
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0855520
IRS990/OtherAssetsTotalGrp/EOYAmt0940673
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt04725
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt04252
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt038269
IRS990/OtherEmployeeBenefitsGrp/TotalAmt047246
IRS990/OtherExpensesGrp/Desc0TECHNOLOGY
IRS990/OtherExpensesGrp/Desc1DUES & LICENSES
IRS990/OtherExpensesGrp/Desc2PROGRAM SERVICE EXPENSES
IRS990/OtherExpensesGrp/Desc3BANK & INVESTING FEES
IRS990/OtherExpensesGrp/FundraisingAmt06415
IRS990/OtherExpensesGrp/FundraisingAmt11717
IRS990/OtherExpensesGrp/FundraisingAmt21147
IRS990/OtherExpensesGrp/FundraisingAmt3720
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt05613
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11502
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt21003
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3630
IRS990/OtherExpensesGrp/ProgramServicesAmt068155
IRS990/OtherExpensesGrp/ProgramServicesAmt118242
IRS990/OtherExpensesGrp/ProgramServicesAmt212183
IRS990/OtherExpensesGrp/ProgramServicesAmt37649
IRS990/OtherExpensesGrp/TotalAmt080183
IRS990/OtherExpensesGrp/TotalAmt121461
IRS990/OtherExpensesGrp/TotalAmt214333
IRS990/OtherExpensesGrp/TotalAmt38999
IRS990/OtherLiabilitiesGrp/BOYAmt0827608
IRS990/OtherLiabilitiesGrp/EOYAmt0924047
IRS990/OtherRevenueMiscGrp/BusinessCd0541990
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS
IRS990/OtherRevenueMiscGrp/ExclusionAmt02906
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02906
IRS990/OtherRevenueTotalAmt02906
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt025892
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt023593
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0180302
IRS990/OtherSalariesAndWagesGrp/TotalAmt0229787
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt02893
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt02603
IRS990/PayrollTaxesGrp/ProgramServicesAmt023431
IRS990/PayrollTaxesGrp/TotalAmt028927
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt04000
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt06121
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0BANKRUPTCY COUNSELING
IRS990/ProgramServiceRevenueGrp/Desc1CLIENT FEES
IRS990/ProgramServiceRevenueGrp/Desc2CONTRACTED SERVICES
IRS990/ProgramServiceRevenueGrp/Desc3HOUSING
IRS990/ProgramServiceRevenueGrp/Desc4MONEY MANAGEMENT PROGRAM
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03009
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt129410
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2390
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt39700
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4447392
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03009
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt129410
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2390
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt39700
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4447392
IRS990/ProgSrvcAccomActy2Grp/Desc0THE AGENCY PROVIDES DEBT MANAGEMENT PLANS FOR THOSE CLIENTS THAT QUALIFY FOR, AND ARE INTERESTED IN, REPAYING THEIR CREDITORS THROUGH OUR AGENCY. IN 2023 ABOUT 8% OF THE CLIENTS COUNSELED CHOSE THIS OPTION AS THE BEST OPTION FOR THEIR SITUATION. PAYMENTS TO CREDITORS ARE CALCULATED BY THE COUNSELOR ACCORDING TO CRITERIA ESTABLISHED BY THE CREDITORS. CLIENTS MAKE PAYMENTS TO THE AGENCY EVERY MONTH AND THOSE PAYMENTS ARE FORWARDED TO THEIR CREDITORS SETUP AND MONTHLY FEES ARE CHARGED, BUT CAN BE WAIVED IF THEY WOULD BE A BARRIER TO RECEIVING THE SERVICE.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE AGENCY PROVIDES COMMUNITY EDUCATION AND PRESENTATIONS ON BUDGETING, CREDIT, GOAL SETTING, HOUSING, AND MONEY MANAGEMENT. IN 2023, A TOTAL OF 27 COMMUNITY PRESENTATIONS TO 4,323 PERSONS WERE MADE AT THE INVITATION OF THE AGENCYS COMMUNITY PARTNERS (FOR EXAMPLE; HEAD START, ADDICTIONS RECOVERY CENTER) FOR THEIR CLIENTS. PRESENTATIONS ARE GENERALLY MADE AT THE PARTNERS LOCATION SO THAT CLIENTS CAN FEEL COMFORTABLE ATTENDING AND THE EDUCATION CAN FIT THE CLIENTS OVERALL GOALS. MOST OF THE FUNDING COMES FROM GRANTS FROM LOCAL AND REGIONAL FOUNDATIONS AND CORPORATIONS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0284082
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt06524
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0332978
IRS990/PYProgramServiceRevenueAmt0442470
IRS990/PYRevenuesLessExpensesAmt030686
IRS990/PYSalariesCompEmpBnftPaidAmt0369412
IRS990/PYTotalExpensesAmt0702390
IRS990/PYTotalRevenueAmt0733076
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-27696
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0210447
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0296554
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0284082
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0304695
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0303756
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0606435
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01795522
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt03298
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt06524
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt0486
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0249
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt03542
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt014099
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0489901
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0442470
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0419752
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0421542
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0142821
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt01916486
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt03298
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt06524
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt0486
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0249
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt03542
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt014099
IRS990ScheduleA/InvestmentIncomeCYPct00.00380
IRS990ScheduleA/InvestmentIncomePYPct00.00440
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearAmt02908
IRS990ScheduleA/OtherIncome509Grp/TotalAmt02908
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.99540
IRS990ScheduleA/PublicSupportPY509Pct00.99560
IRS990ScheduleA/PublicSupportTotal509Amt03712008
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.