Civic Intelligence

Consumer Credit Counseling Service Of

EIN 95-2476072 • 501(c)3 • Camarillo, CA

View Organization Page

Profile

To provide confidential and professional counseling to aid and rehabilitate financially distressed families and individuals and to educate consumers on money management and credit use.

80 North Wood RoadCamarillo, CA 93010

www.surepath.org

Siviq Scores

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

Liabilities / Assets

90th percentile

0.80x

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

501(c)3 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

96th percentile

3.81x

Higher debt load relative to revenue than 96% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2015

Net Margin

2nd percentile

-171%

Higher net margin than 2% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

81st percentile

$142,963

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 35.2% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2015

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2015

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2015

Balance Sheet
Liabilities / Assets90th percentile

Assets

$1,931,050

No earlier filing loaded for comparison.

Liabilities

$1,547,191

No earlier filing loaded for comparison.

Net Assets

$383,859

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue96th percentileNet Margin2nd percentile

Revenue

$406,094

No earlier filing loaded for comparison.

Expenses

$1,100,613

No earlier filing loaded for comparison.

Net Income

-$694,519

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0Assets 2015: $1,931,050Liabilities 2015: $1,547,191Net Assets 2015: $383,8592015

Highlighted filing

2015

Assets$1,931,050
Liabilities$1,547,191
Net Assets$383,859
Open 2015 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0-$500K-$1.0MRevenue 2015: $406,094Expenses 2015: $1,100,613Net Income 2015: -$694,5192015

Highlighted filing

2015

Revenue$406,094
Expenses$1,100,613
Net Income-$694,519
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,931,050
Liabilities
$1,547,191
Net assets
$383,859
Revenue
$406,094
Expenses
$1,100,613
Net income
-$694,519
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$1.93$1.55$0.38$0.41$1.10$0.69
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 12, 2016
Return Version
2015v2.0
Gross Receipts
$607,110
Mission and Program Overview

Mission

To provide confidential and professional counseling to aid and rehabilitate financially distressed families and individuals and to educate consumers on money management and credit use.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$1,286,235$1,266,000▼ $20,235
Investments in Publicly Traded Securities$1,038,541$422,973▼ $615,568
Cash and Non-Interest-Bearing Accounts$240,420$155,283▼ $85,137
Accounts Receivable$37,714$44,615▲ $6,901
Prepaid Expenses and Deferred Charges$25,148$17,106▼ $8,042
Intangible Assets$13,234$10,733▼ $2,501
Other Notes and Loans Receivable, Net$17,794$8,897▼ $8,897
Savings and Temporary Cash Investments-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Inventories for Sale or Use-$0-
Total Assets$2,670,498$1,931,050▼ $739,448
Other Assets Total$11,412$5,443▼ $5,969
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,383,951$1,360,816▼ $23,135
Other Liabilities$137,600$108,350▼ $29,250
Accounts Payable and Accrued Expenses$62,953$77,361▲ $14,408
Escrow Account Liability$7,616$664▼ $6,952
Total Liabilities$1,592,120$1,547,191▼ $44,929
Net Assets / Fund Balance
Unrestricted Net Assets$1,078,378$383,859▼ $694,519
Total Net Assets Fund Balance$1,078,378$383,859▼ $694,519
Total Liabilities and Net Assets / Fund Balance$2,670,498$1,931,050▼ $739,448

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$895,490$475,888$411,413
Equipment$-76,196$400,197$324,001
Land$446,706-$134,012
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brenda LopezCEOFT$130,772$12,191$142,963
Linda MclaughlinCOOFT$42,360$3,516$45,876

Board Members and Trustees

NameTitle
Michael OsbornChairman
John AndersenVice Chair
Peggy DolanVice Chair
Brian NomiDirector
Jason HodgeDirector
Jill MartinezDirector
Raymond CruzDirector
Tony StricklandDirector
Mark LunnSecretary
Arkady MilgramTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$265,961
Program Service Revenue
$202,103
Investment Income
$-23,549
Other Revenue
$-38,421
All Other Contributions
$265,961
Change in Net Assets
$-694,519
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$653,415
Other Expenses$447,198
Total Fundraising Expense$22,729
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$189,095$165,536$12,588$367,219
Current Officers, Directors, Trustees, and Key Employees$89,153$78,045$5,934$173,132
All Other Expenses$69,166$23,038$797$93,001
Fees for Services Accounting-$66,668-$66,668
Other Employee Benefits$38,849$11,658$52$50,559
Payroll Taxes$30,677$12,709$438$43,824
Depreciation Depletion$29,438$12,196$421$42,055
Interest$21,185$8,777$302$30,264
Advertising$29,347--$29,347
Insurance$19,574$8,109$280$27,963
Other Expenses$14,605$6,050$209$20,864
Pension Plan Contributions$9,620$8,421$640$18,681
Occupancy$11,637$4,821$166$16,624
Travel$3,280$1,358$47$4,685
Office Expenses-$1,788-$1,788
Fees for Services Legal-$1,066-$1,066
Conferences and Meetings-$185-$185
Total Functional Expenses$626,442$451,442$22,729$1,100,613
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
Est Liability for Future Construction$93,204
Security Deposits$15,146
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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, Line 11B: Form 990 Review Process

“The governing board will be provided a copy of the 990 before it is filed.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Conflict of interest policies are signed annually and ceo monitors completion.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The personnel committee reviews salary surveys, approves.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Compensation, and mainttains minutes of its actions.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Consumer Credit Counseling Service of
EIN
95-2476072
Phone
8053837700
Address
80 NORTH WOOD ROAD, CAMARILLO, CA 93010

Signing Officer

Name
Brenda Lopez
Title
CEO
Signed
2016-05-12
Discuss with paid preparer
Yes

Organization Details

Formed
1966
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
13

Preparer

Firm
Decker Farrell & Mccoy Llp
Address
400 W Ventura Blvd Ste 245, Camarillo, CA 93010
Preparer
Michael Farrell
Phone
8059101441
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IRS990/NetUnrelatedBusTxblIncmAmt0-18746
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IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt01788
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IRS990/Organization501c3Ind0X
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IRS990/OtherExpensesGrp/Desc2REPAIRS & MAINTENANCE
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt116218
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IRS990/OtherExpensesGrp/ProgramServicesAmt314605
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IRS990/OtherExpensesGrp/TotalAmt127175
IRS990/OtherExpensesGrp/TotalAmt223317
IRS990/OtherExpensesGrp/TotalAmt320864
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IRS990/PayrollTaxesGrp/FundraisingAmt0438
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt012709
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IRS990/PayrollTaxesGrp/TotalAmt043824
IRS990/PensionPlanContributionsGrp/FundraisingAmt0640
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt08421
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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0PART II LINE 17A: THE ORGANIZATION MAINTAINS A CONTINUOUS AND BONA FIDE PROGRAM FOR SOLICITATION OF FUNDS FROM THE GENERAL PUBLIC, COMMUNITY GOVERNMENTAL UNITS AND PUBLIC CHARITIES.THE ORGANIZATION HAS A GOVERNING BODY WHICH REPRESENTS THE BROAD INTERESTS OF THE PUBLIC AND PROVIDES SERVICES DIRECTLY FOR THE BENEFIT OF THE GENERAL PUBLIC ON A CONTINUOUS BASIS.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0Support Schedule: Additional Supplemental Information
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