Civic Intelligence

Douglas Consumer Credit Counseling Service

EIN 93-0628298 • 501(c)3 • Roseburg, OR

Profile

To counsel those with financial difficulties, act as an intermediary between creditors and debtors in resolving debt payment issues, and provide basic budget and financial education to help people to live within their means.

849 SE MosherRoseburg, OR 97470

n/A

Siviq Scores

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

Liabilities / Assets

79th percentile

0.10x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2014

Liabilities / Revenue

80th percentile

0.07x

Higher debt load relative to revenue than 80% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2014

Net Margin

59th percentile

6.5%

Higher net margin than 59% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2014

Top Officer Pay

93rd percentile

$48,122

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 41.8% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2014

Asset Growth

51st percentile

-1.3%

Faster asset growth than 51% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Revenue Growth

72nd percentile

21%

Faster revenue growth than 72% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets79th percentile

Assets

Down

$74,810

Down $949 (-1.3%) from 2013

Liabilities

Down

$7,569

Down $8,429 (-53%) from 2013

Net Assets

Up

$67,241

Up $7,480 (+13%) from 2013

Operations
Liabilities / Revenue80th percentileNet Margin59th percentile

Revenue

Up

$115,186

Up $19,855 (+21%) from 2013

Expenses

Down

$107,706

Down $9,771 (-8.3%) from 2013

Net Income

Up

$7,480

Up $29,626 (+134%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth51st percentile

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

$100K$50K$0Assets 2011: $87,681Liabilities 2011: $12,705Net Assets 2011: $74,9762011Assets 2012: $93,421Liabilities 2012: $11,516Net Assets 2012: $81,9052012Assets 2013: $75,759Liabilities 2013: $15,998Net Assets 2013: $59,7612013Assets 2014: $74,810Liabilities 2014: $7,569Net Assets 2014: $67,2412014

Highlighted filing

2014

Assets$74,810
Liabilities$7,569
Net Assets$67,241
Open 2014 Filing

Operations Trend

Revenue Growth72nd percentile

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

$200K$150K$100K$50K$0-$50KExpenses 2011: $151,5442011Expenses 2012: $110,1222012Revenue 2013: $95,331Expenses 2013: $117,477Net Income 2013: -$22,1462013Revenue 2014: $115,186Expenses 2014: $107,706Net Income 2014: $7,4802014

Highlighted filing

2014

Revenue$115,186
Expenses$107,706
Net Income$7,480
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$74,810
Liabilities
$7,569
Net assets
$67,241
Revenue
$115,186
Expenses
$107,706
Net income
$7,480
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.75$0.08$0.67$1.15$1.08$0.07
2013Detailed filing. Detailed filing data is available for this year.$0.76$0.16$0.60$0.95$1.17$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.93$0.12$0.82$1.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.88$0.13$0.75$1.52
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 16, 2015
Return Version
2014v5.0
Gross Receipts
$115,186
Mission and Program Overview

Mission

To counsel those with financial difficulties, act as an intermediary between creditors and debtors in resolving debt payment issues, and provide basic budget and financial education to help people to live within their means.

Provide community through which individuals and families can obtain guidance, education, and direct assistance in the avoidance and solution of financial difficulties.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$64,640$55,703▼ $8,937
Cash and Non-Interest-Bearing Accounts$4,207$17,958▲ $13,751
Prepaid Expenses and Deferred Charges$3,774--
Accounts Receivable$134--
Land, Buildings, and Equipment, Net$163$17▼ $146
Total Assets$75,759$74,810▼ $949
Other Assets Total$2,841$1,132▼ $1,709
Liabilities
Accounts Payable and Accrued Expenses$13,157$6,437▼ $6,720
Escrow Account Liability$2,841$1,132▼ $1,709
Total Liabilities$15,998$7,569▼ $8,429
Net Assets / Fund Balance
Unrestricted Net Assets$59,761$67,241▲ $7,480
Total Net Assets Fund Balance$59,761$67,241▲ $7,480
Total Liabilities and Net Assets / Fund Balance$75,759$74,810▼ $949

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$17$29,321$29,338
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Linda SmithExecutive DirectorFT$48,122$48,122

Board Members and Trustees

NameTitle
Landa BailyChair
Candis DefeaDirector
Gary MurphyDirector
Gretchen KoesterDirector
Lee WinetroutDirector
Michelle DellitDirector
Mike WidmerDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$5,865
Program Service Revenue
$109,108
Investment Income
$63
Other Revenue
$150
All Other Contributions
$40
Change in Net Assets
$7,480

Audited Revenue Reconciliation

Revenue per Audited Statements
$115,186
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$115,186
Total Revenue per Form 990
$115,186
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$71,404
Other Expenses$36,302
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$31,761$16,361-$48,122
Other Salaries and Wages$6,260$3,225-$9,485
Insurance$7,397--$7,397
Payroll Taxes$4,239$2,184-$6,423
Office Expenses$6,082--$6,082
Other Employee Benefits$7,169$-1,239-$5,930
Occupancy$5,575--$5,575
Fees for Services Accounting-$4,650-$4,650
Information Technology$4,034--$4,034
Advertising$2,270--$2,270
Pension Plan Contributions$953$491-$1,444
Depreciation Depletion$146--$146
Other Expenses$17$1,519-$17
Total Functional Expenses$76,765$30,941$0$107,706

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$107,706
Total Expenses per Audited Statements$107,706
Total Expenses per Form 990$107,706
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Audit committee
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
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, Part VI, Section B, Line 11

“The independent accountant provides a copy of the 990 to the director to review. The independent accountant also presents the form 990 to the voting members at the meeting of the board of directors. After review and approval by the voting members, the form 990 is signed and filed.”

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

“Each officer, director, employee, and independent contractor is responsible for ensuring compliance with the conflict of interest policy. Possible exceptions must be presented to the executive director or a member of the board of directors, and written approval must be obtained for continuation. Violations of the conflict of interest policy may result in discharge without warning.”

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

“The board of directors conducts an annual review of the executive director in a closed meeting and agrees on a salary increase.”

Form 990, Part VI, Section C, Line 19

“They are available upon request. A sign is posted at the front desk with 990 copies at the front desk.”

Filing and Contact Details

Filer

Filer Name
Douglas Consumer Credit Counseling Service
EIN
93-0628298
Phone
5416733104
Address
849 SE MOSHER, ROSEBURG, OR 97470

Signing Officer

Name
Linda Smith
Title
Executive Director
Phone
5416733104
Signed
2015-03-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Linda Smith
Formed
1974
Legal Domicile
Or
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
0

Preparer

Firm
Neuner Davidson & Cooley LLC
Address
PO BOX 1786, ROSEBURG, OR 97470
Phone
5416724886
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“Funds are being held for clients. Funds will be used to pay clients creditors. The service negogiates payment plans with the creditors on behalf of its clients; the service handles disbursements of payments to creditors on behalf of the client.”

Raw XML AppendixShowing 400 of 446 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/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt034619
IRS990/SavingsAndTempCashInvstGrp/BOYAmt064640
IRS990/SavingsAndTempCashInvstGrp/EOYAmt055703
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt09390
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt013212
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt05814
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt06716
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt05000
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt040132
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt063
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt073
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt0113
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0194
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0428
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt0871
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0105583
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt081786
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0111112
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0115954
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0128085
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0542520
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt063
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt073
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt0113
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0194
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt0428
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt0871
IRS990ScheduleA/InvestmentIncomeCYPct00.00150
IRS990ScheduleA/InvestmentIncomePYPct00.00240
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearAmt0150
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus1YearAmt0274
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus2YearsAmt010
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus3YearsAmt0113
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus4YearsAmt0452
IRS990ScheduleA/OtherIncome509Grp/TotalAmt0999
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.99680
IRS990ScheduleA/PublicSupportPY509Pct00.99630
IRS990ScheduleA/PublicSupportTotal509Amt0582652
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0114973
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt094998
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0116926
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0122670
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0133085
IRS990ScheduleA/Total509Grp/TotalAmt0582652
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0115186
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt095345
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0117049
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0122977
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0133965
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0584522
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AdditionsDuringYearAmt0669451
IRS990ScheduleD/AgentTrusteeEtcInd01
IRS990ScheduleD/BeginningBalanceAmt02841
IRS990ScheduleD/DistributionsDuringYearAmt0671160
IRS990ScheduleD/EndingBalanceAmt01132
IRS990ScheduleD/EquipmentGrp/BookValueAmt017
IRS990ScheduleD/EquipmentGrp/DepreciationAmt029321
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt029338
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0107706
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0115186
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FUNDS ARE BEING HELD FOR CLIENTS. FUNDS WILL BE USED TO PAY CLIENTS CREDITORS. THE SERVICE NEGOGIATES PAYMENT PLANS WITH THE CREDITORS ON BEHALF OF ITS CLIENTS; THE SERVICE HANDLES DISBURSEMENTS OF PAYMENTS TO CREDITORS ON BEHALF OF THE CLIENT.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt017
IRS990ScheduleD/TotalExpensesPerForm990Amt0107706
IRS990ScheduleD/TotalRevenuePerForm990Amt0115186
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0115186
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0107706
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE INDEPENDENT ACCOUNTANT PROVIDES A COPY OF THE 990 TO THE DIRECTOR TO REVIEW. THE INDEPENDENT ACCOUNTANT ALSO PRESENTS THE FORM 990 TO THE VOTING MEMBERS AT THE MEETING OF THE BOARD OF DIRECTORS. AFTER REVIEW AND APPROVAL BY THE VOTING MEMBERS, THE FORM 990 IS SIGNED AND FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH OFFICER, DIRECTOR, EMPLOYEE, AND INDEPENDENT CONTRACTOR IS RESPONSIBLE FOR ENSURING COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY. POSSIBLE EXCEPTIONS MUST BE PRESENTED TO THE EXECUTIVE DIRECTOR OR A MEMBER OF THE BOARD OF DIRECTORS, AND WRITTEN APPROVAL MUST BE OBTAINED FOR CONTINUATION. VIOLATIONS OF THE CONFLICT OF INTEREST POLICY MAY RESULT IN DISCHARGE WITHOUT WARNING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS CONDUCTS AN ANNUAL REVIEW OF THE EXECUTIVE DIRECTOR IN A CLOSED MEETING AND AGREES ON A SALARY INCREASE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THEY ARE AVAILABLE UPON REQUEST. A SIGN IS POSTED AT THE FRONT DESK WITH 990 COPIES AT THE FRONT DESK.
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 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0OR
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt075759
IRS990/TotalAssetsEOYAmt074810
IRS990/TotalAssetsGrp/BOYAmt075759
IRS990/TotalAssetsGrp/EOYAmt074810
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt05865
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt030941
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt076765
IRS990/TotalFunctionalExpensesGrp/TotalAmt0107706
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt015998
IRS990/TotalLiabilitiesEOYAmt07569
IRS990/TotalLiabilitiesGrp/BOYAmt015998
IRS990/TotalLiabilitiesGrp/EOYAmt07569
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt059761
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt067241
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt03838
IRS990/TotalOtherProgSrvcRevenueAmt05464
IRS990/TotalProgramServiceExpensesAmt076765
IRS990/TotalProgramServiceRevenueAmt0109108
IRS990/TotalReportableCompFromOrgAmt048122
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0109321

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