SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC: Form 990, tax year 2025
View the entire original 990 at ProPublica ↗
- Organization
- SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC (EIN 33-0656671)
- Tax period
- 2025-01-01 to 2025-12-31
- Filed
- 2026-05-11
- IRS object ID
- 202641319349304479
- Schema version
- 2025v4.1
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2026-05-11T12:35:41-07:00 | ReturnTs |
| Tax Period End | 2025-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 464016990 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | THE PUN GROUP LLP | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 6 HUTTON CENTRE DR STE 1200 | AddressLine1Txt |
| City | SANTA ANA | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 92707 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2025-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 330656671 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | SPRINGBOARD NONPROFIT CONSUMER | BusinessNameLine1Txt |
| Business Name Line2 | CREDIT MANAGEMENT INC | BusinessNameLine2Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | SPRI | BusinessNameControlTxt |
| Phone | 8004318157 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1825 Chicago Avenue 240 | AddressLine1Txt |
| City | RIVERSIDE | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 92507 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | CYNTHIA WILLIAMS | PersonNm |
| Person Title | President | PersonTitleTxt |
| Signature | 2026-05-11 | SignatureDt |
| Discuss With Paid Preparer | Yes (true) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | FRANCES KUO | PreparerPersonNm |
| PTIN | P02057020 | PTIN |
| Phone | 9497778800 | PhoneNum |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2025 | TaxYr |
| Build TS | 2025-03-06 01:10:19Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Change | Yes (X) | AddressChangeInd |
| Principal Officer | CYNTHIA WILLIAMS | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1825 Chicago Avenue 240 | AddressLine1Txt |
| City | RIVERSIDE | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 92507 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $5,075,999 | GrossReceiptsAmt |
| Group Return For Affiliates | false | GroupReturnForAffiliatesInd |
| Organization501c3 | Yes (X) | Organization501c3Ind |
| Website Address | WWW.CREDIT.ORG | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1974 | FormationYr |
| Legal Domicile State | CA | LegalDomicileStateCd |
| Activity Or Mission | To empower individuals and communities to achieve a brighter financial future through trusted financial counseling, education, and access to resources that support long-term financial stability. | ActivityOrMissionDesc |
| Voting Members Governing Body | 6 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 5 | VotingMembersIndependentCnt |
| Total Employee | 37 | TotalEmployeeCnt |
| Total Gross UBI | $0 | TotalGrossUBIAmt |
| PY Contributions Grants | $1,833,497 | PYContributionsGrantsAmt |
| CY Contributions Grants | $1,936,977 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $2,385,019 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $1,779,276 | CYProgramServiceRevenueAmt |
| PY Investment Income | -$135,198 | PYInvestmentIncomeAmt |
| CY Investment Income | $326,741 | CYInvestmentIncomeAmt |
| PY Other Revenue | $377,529 | PYOtherRevenueAmt |
| CY Other Revenue | $5,768 | CYOtherRevenueAmt |
| PY Total Revenue | $4,460,847 | PYTotalRevenueAmt |
| CY Total Revenue | $4,048,762 | CYTotalRevenueAmt |
| CY Grants And Similar Paid | $0 | CYGrantsAndSimilarPaidAmt |
| CY Benefits Paid To Members | $0 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $2,898,872 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $2,449,664 | CYSalariesCompEmpBnftPaidAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $4,444,172 | PYOtherExpensesAmt |
| CY Other Expenses | $2,768,875 | CYOtherExpensesAmt |
| PY Total Expenses | $7,343,044 | PYTotalExpensesAmt |
| CY Total Expenses | $5,218,539 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | -$2,882,197 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | -$1,169,777 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $5,270,423 | TotalAssetsBOYAmt |
| Total Assets EOY | $3,332,703 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $1,796,659 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $1,060,331 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $3,473,764 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $2,272,372 | NetAssetsOrFundBalancesEOYAmt |
| Mission | The specific purpose of the corporation shall be to educate consumers on various options available to address their credit and debt issues, empower consumers to achieve long-term financial self-sufficiency, promote financial literacy, communicate to the general public best money management practices, offer other financial coaching services, develop new financial tools in support of financial education and relieve the burdens of government through various federal, state and local initiatives. | MissionDesc |
| Significant New Program Srvc | false | SignificantNewProgramSrvcInd |
| Significant Change | false | SignificantChangeInd |
| Expense | $2,282,868 | ExpenseAmt |
| Revenue | $544,229 | RevenueAmt |
| Desc | Housing counseling Credit.org helps consumers understand, secure, and maintain stable housing by offering unbiased guidance on renting, homebuying, budgeting, credit, foreclosure prevention, and tenant rights. Counselors work with individuals to navigate complex housing systems, avoid predatory practices, resolve landlord tenant issues, and access affordable housing programs, all with the goal of promoting long term housing stability and informed decision making. | Desc |
Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Expense | $1,415,865 | ExpenseAmt |
| Revenue | $767,328 | RevenueAmt |
| Desc | Credit and Debt counselingCredit.org helps consumers understand their financial situation, improve budgeting skills, and create a realistic plan to manage or repay debt. Trained counselors review a clients income, expenses, and credit report, then offer guidance on reducing financial stress, avoiding predatory lending, and, if needed, setting up a structured debt management plan that consolidates payments and may lower interest rates. | Desc |
Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Expense | $1,489 | ExpenseAmt |
| Revenue | $460,960 | RevenueAmt |
| Desc | Debt Management Credit.org offers a structured financial counseling service which includes a comprehensive assessment of an individuals income, expenses, credit obligations, and financial challenges, and provides professional guidance on repayment strategies. Where appropriate, the counselor may recommend enrollment in a Debt Management Plan (DMP) a voluntary repayment program that consolidates unsecured debts into a single monthly payment. The purpose of the DMP is to improve financial stability, support responsible repayment, and help the individual develop long term budgeting and money management skills. | Desc |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Expenses | $3,700,222 | TotalProgramServiceExpensesAmt |
| Described In Section501c3 | Yes (true) | DescribedInSection501c3Ind |
| Schedule B Required | Yes (true) | ScheduleBRequiredInd |
| Political Campaign Acty | false | PoliticalCampaignActyInd |
| Lobbying Activities | false | LobbyingActivitiesInd |
| Subject To Proxy Tax | false | SubjectToProxyTaxInd |
| Donor Advised Fund | false | DonorAdvisedFundInd |
| Conservation Easements | false | ConservationEasementsInd |
| Collections Of Art | false | CollectionsOfArtInd |
| Credit Counseling | false | CreditCounselingInd |
| Donor Rstr Or Quasi Endowments | false | DonorRstrOrQuasiEndowmentsInd |
| Report Land Building Equipment | Yes (true) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | false | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | false | ReportProgramRelatedInvstInd |
| Report Other Assets | false | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (true) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | Yes (true) | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | Yes (true) | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | false | ConsolidatedAuditFinclStmtInd |
| School Operating | false | SchoolOperatingInd |
| Foreign Office | false | ForeignOfficeInd |
| Foreign Activities | false | ForeignActivitiesInd |
| More Than5000 K To Org | false | MoreThan5000KToOrgInd |
| More Than5000 K To Individuals | false | MoreThan5000KToIndividualsInd |
| Professional Fundraising | false | ProfessionalFundraisingInd |
| Fundraising Activities | false | FundraisingActivitiesInd |
| Gaming Activities | false | GamingActivitiesInd |
| Operate Hospital | false | OperateHospitalInd |
| Grants To Organizations | false | GrantsToOrganizationsInd |
| Grants To Individuals | false | GrantsToIndividualsInd |
| Schedule J Required | Yes (true) | ScheduleJRequiredInd |
| Tax Exempt Bonds | false | TaxExemptBondsInd |
| Engaged In Excess Benefit Trans | false | EngagedInExcessBenefitTransInd |
| PY Excess Benefit Trans | false | PYExcessBenefitTransInd |
| Loan Outstanding | false | LoanOutstandingInd |
| Grant To Related Person | false | GrantToRelatedPersonInd |
| Business Rln With Org Mem | false | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | false | BusinessRlnWithFamMemInd |
| Business Rln With35 Ctrl Ent | false | BusinessRlnWith35CtrlEntInd |
| Deductible Non Cash Contri | false | DeductibleNonCashContriInd |
| Deductible Art Contribution | false | DeductibleArtContributionInd |
| Terminate Operations | false | TerminateOperationsInd |
| Partial Liquidation | false | PartialLiquidationInd |
| Disregarded Entity | Yes (true) | DisregardedEntityInd |
| Related Entity | false | RelatedEntityInd |
| Related Organization Ctrl Ent | false | RelatedOrganizationCtrlEntInd |
| Trnsfr Exmpt Non Chrtbl Rltd Org | false | TrnsfrExmptNonChrtblRltdOrgInd |
| Activities Conducted Prtshp | false | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (true) | ScheduleORequiredInd |
| IRP Document | 11 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (true) | BackupWthldComplianceInd |
| Employee | 37 | EmployeeCnt |
| Employment Tax Returns Filed | Yes (true) | EmploymentTaxReturnsFiledInd |
| Unrelated Bus Incm Over Limit | false | UnrelatedBusIncmOverLimitInd |
| Foreign Financial Account | false | ForeignFinancialAccountInd |
| Prohibited Tax Shelter Trans | false | ProhibitedTaxShelterTransInd |
| Taxable Party Notification | false | TaxablePartyNotificationInd |
| Nondeductible Contributions | false | NondeductibleContributionsInd |
| Quid Pro Quo Contributions | false | QuidProQuoContributionsInd |
| Form8282 Property Disposed Of | false | Form8282PropertyDisposedOfInd |
| Form8282 Filed | 0 | Form8282FiledCnt |
| Rcv Fnds To Pay Prsnl Bnft Cntrct | false | RcvFndsToPayPrsnlBnftCntrctInd |
| Pay Premiums Prsnl Bnft Cntrct | false | PayPremiumsPrsnlBnftCntrctInd |
| Form8899 Filedind | false | Form8899Filedind |
| Form1098 C Filed | false | Form1098CFiledInd |
| Indoor Tanning Services | false | IndoorTanningServicesInd |
| Subj To Tax Rmnrtn Ex Prcht Pymt | false | SubjToTaxRmnrtnExPrchtPymtInd |
| Subject To Excs Tax Net Invst Inc | false | SubjectToExcsTaxNetInvstIncInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 6 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 5 | IndependentVotingMemberCnt |
| Family Or Business Rln | false | FamilyOrBusinessRlnInd |
| Delegation Of Mgmt Duties | false | DelegationOfMgmtDutiesInd |
| Change To Org Documents | false | ChangeToOrgDocumentsInd |
| Material Diversion Or Misuse | false | MaterialDiversionOrMisuseInd |
| Members Or Stockholders | false | MembersOrStockholdersInd |
| Election Of Board Members | false | ElectionOfBoardMembersInd |
| Decisions Subject To Approva | false | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (true) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (true) | MinutesOfCommitteesInd |
| Officer Mailing Address | false | OfficerMailingAddressInd |
| Local Chapters | Yes (true) | LocalChaptersInd |
| Policies Reference Chapters | Yes (true) | PoliciesReferenceChaptersInd |
| Form990 Provided To Gvrn Body | Yes (true) | Form990ProvidedToGvrnBodyInd |
| Conflict Of Interest Policy | Yes (true) | ConflictOfInterestPolicyInd |
| Annual Disclosure Covered Prsn | Yes (true) | AnnualDisclosureCoveredPrsnInd |
| Regular Monitoring Enfrc | Yes (true) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | Yes (true) | WhistleblowerPolicyInd |
| Document Retention Policy | Yes (true) | DocumentRetentionPolicyInd |
| Compensation Process CEO | Yes (true) | CompensationProcessCEOInd |
| Compensation Process Other | Yes (true) | CompensationProcessOtherInd |
| Investment In Joint Venture | false | InvestmentInJointVentureInd |
| States Where Copy Of Return Is Fld | AL | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | AR | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | AZ | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | CA | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | CT | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | FL | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | GA | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | IL | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | KS | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | KY | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | MA | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | MD | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | MI | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | MN | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | MO | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | NC | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | NH | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | NJ | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | NM | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | NY | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | OH | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | OK | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | OR | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | PA | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | RI | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | SC | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | TN | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | UT | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | VA | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | WI | StatesWhereCopyOfReturnIsFldCd |
| States Where Copy Of Return Is Fld | WV | StatesWhereCopyOfReturnIsFldCd |
| Other Website | Yes (X) | OtherWebsiteInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | CYNTHIA WILLIAMS | PersonNm |
| Phone | 8004318157 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1825 Chicago Avenue Suite 240 | AddressLine1Txt |
| City | RIVERSIDE | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 92507 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (10 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt |
|---|---|---|---|---|---|---|---|
| CYNTHIA WILLIAMS | |||||||
| President - CEO | 50.00 | 0.00 | Yes (X) | Yes (X) | $228,915 | $0 | $21,081 |
| Michelle Taylor | |||||||
| VP Operations | 40.00 | 0.00 | $151,729 | $0 | $18,258 | ||
| Melinda Opperman | |||||||
| Chief External Affairs Officer | 50.00 | 0.00 | $146,900 | $0 | $15,510 | ||
| Heather Shanahan | |||||||
| VP, Technology & Product Developmen | 40.00 | 0.00 | $138,273 | $0 | $7,469 | ||
| Robin Hillary | |||||||
| Chief Innovation Officer | 40.00 | 0.00 | $104,640 | $0 | $10,937 | ||
| Anthony Todd Emerson | |||||||
| Director | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| Ethan Horn | |||||||
| Treasurer | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| Stacie Anctil | |||||||
| Chair | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| Mike Fraschilla | |||||||
| DIRECTOR | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| John Perlstein | |||||||
| Secretary | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $770,457 | TotalReportableCompFromOrgAmt |
| Total Other Compensation | $73,255 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 5 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | false | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (true) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | false | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (2 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| SPRINGBOARD SOCIAL ENTERPRISES | |||||
| 27762 Antonio Parkway Suite L1 299 | Ladera Ranch | CA | 92694 | Management consulting | $789,830 |
| SALES ELEMENT LLC | |||||
| 1 Blue Hill Plaza Lobby Level 150 | Pearl River | NY | 10965 | Software consultant | $173,375 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 2 | CntrctRcvdGreaterThan100KCnt |
| Government Grants | $338,566 | GovernmentGrantsAmt |
| All Other Contributions | $1,598,411 | AllOtherContributionsAmt |
| Total Contributions | $1,936,977 | TotalContributionsAmt |
Program Service Revenue ProgramServiceRevenueGrp (5 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt |
|---|---|---|---|
| Bankruptcy Counseling | 611600 | $1,079 | $1,079 |
| Credit and Debt Counselin | 611600 | $767,328 | $767,328 |
| Debt Management Fees | 611600 | $460,960 | $460,960 |
| Housing Counseling | 611600 | $544,229 | $544,229 |
| Rental Counseling Fees | 611600 | $5,680 | $5,680 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $1,779,276 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $10,533 | TotalRevenueColumnAmt |
| Exclusion | $10,533 | ExclusionAmt |
Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Royalties Revenue RoyaltiesRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Net Rental Income Or Loss NetRentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Gross Amount Sales Assets GrossAmountSalesAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $1,343,445 | SecuritiesAmt |
Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $1,027,237 | SecuritiesAmt |
Gain Or Loss GainOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $316,208 | SecuritiesAmt |
Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $316,208 | TotalRevenueColumnAmt |
| Exclusion | $316,208 | ExclusionAmt |
Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Net Income From Gaming NetIncomeFromGamingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Net Income Or Loss NetIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Other Revenue Misc OtherRevenueMiscGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | OTHER REVENUE | Desc |
| Business | 900099 | BusinessCd |
| Total Revenue Column | $5,768 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $5,768 | RelatedOrExemptFuncIncomeAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $5,768 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $4,048,762 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $1,785,044 | RelatedOrExemptFuncIncomeAmt |
| Exclusion | $326,741 | ExclusionAmt |
Grants To Domestic Orgs GrantsToDomesticOrgsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Grants To Domestic Individuals GrantsToDomesticIndividualsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Foreign Grants ForeignGrantsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Benefits To Members BenefitsToMembersGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,976,227 | TotalAmt |
| Program Services | $1,302,502 | ProgramServicesAmt |
| Management And General | $673,725 | ManagementAndGeneralAmt |
Comp Disqual Persons CompDisqualPersonsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $71,273 | TotalAmt |
| Management And General | $71,273 | ManagementAndGeneralAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $402,164 | TotalAmt |
| Program Services | $282,997 | ProgramServicesAmt |
| Management And General | $119,167 | ManagementAndGeneralAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Fees For Services Management FeesForServicesManagementGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Fees For Services Lobbying FeesForServicesLobbyingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Fees For Services Prof Fundraising FeesForServicesProfFundraising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $264,992 | TotalAmt |
| Program Services | $135,155 | ProgramServicesAmt |
| Management And General | $129,837 | ManagementAndGeneralAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $145,236 | TotalAmt |
| Program Services | $143,987 | ProgramServicesAmt |
| Management And General | $1,249 | ManagementAndGeneralAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $106,399 | TotalAmt |
| Program Services | $88,875 | ProgramServicesAmt |
| Management And General | $17,524 | ManagementAndGeneralAmt |
Royalties RoyaltiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $402,075 | TotalAmt |
| Program Services | $316,265 | ProgramServicesAmt |
| Management And General | $85,810 | ManagementAndGeneralAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $36,143 | TotalAmt |
| Program Services | $6,083 | ProgramServicesAmt |
| Management And General | $30,060 | ManagementAndGeneralAmt |
Pymt Travel Entrtnmnt Pub Ofcl PymtTravelEntrtnmntPubOfclGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Conferences Meetings ConferencesMeetingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $46,806 | TotalAmt |
| Program Services | $5,248 | ProgramServicesAmt |
| Management And General | $41,558 | ManagementAndGeneralAmt |
Payments To Affiliates PaymentsToAffiliatesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $277,764 | TotalAmt |
| Program Services | $230,863 | ProgramServicesAmt |
| Management And General | $46,901 | ManagementAndGeneralAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $79,579 | TotalAmt |
| Program Services | $70,342 | ProgramServicesAmt |
| Management And General | $9,237 | ManagementAndGeneralAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt | Program ServicesProgramServicesAmt | Management And GeneralManagementAndGeneralAmt |
|---|---|---|---|
| Outside Support Services | $789,829 | $661,580 | $128,249 |
| Software Maintenance and Suppo | $194,750 | $194,495 | $255 |
| All other expenses | $166,618 | $70,245 | $96,373 |
| Software licenses | $125,993 | $100,965 | $25,028 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $132,691 | TotalAmt |
| Program Services | $90,620 | ProgramServicesAmt |
| Management And General | $42,071 | ManagementAndGeneralAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $5,218,539 | TotalAmt |
| Program Services | $3,700,222 | ProgramServicesAmt |
| Management And General | $1,518,317 | ManagementAndGeneralAmt |
| Fundraising | $0 | FundraisingAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $890,874 | BOYAmt |
| EOY | $324,961 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Pledges And Grants Receivable PledgesAndGrantsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $92,262 | BOYAmt |
| EOY | $164,249 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $76,492 | BOYAmt |
| EOY | $63,832 | EOYAmt |
Receivables From Officers Etc ReceivablesFromOfficersEtcGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Inventories For Sale Or Use InventoriesForSaleOrUseGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $155,293 | BOYAmt |
| EOY | $201,411 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $1,628,596 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $1,506,879 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $392,897 | BOYAmt |
| EOY | $121,717 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,242,191 | BOYAmt |
| EOY | $2,176,558 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Investments Program Related InvestmentsProgramRelatedGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Intangible Assets IntangibleAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $390,415 | BOYAmt |
| EOY | $274,975 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $29,999 | BOYAmt |
| EOY | $5,000 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $5,270,423 | BOYAmt |
| EOY | $3,332,703 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $442,076 | BOYAmt |
| EOY | $412,475 | EOYAmt |
Deferred Revenue DeferredRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $294,349 | BOYAmt |
Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $108,009 | BOYAmt |
| EOY | $17,337 | EOYAmt |
Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $624,219 | BOYAmt |
| EOY | $191,423 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $328,006 | BOYAmt |
| EOY | $439,096 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,796,659 | BOYAmt |
| EOY | $1,060,331 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Organization Follows FASB117 | Yes (X) | OrganizationFollowsFASB117Ind |
No Donor Restriction Net Assets NoDonorRestrictionNetAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,473,764 | BOYAmt |
| EOY | $2,272,372 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,473,764 | BOYAmt |
| EOY | $2,272,372 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $5,270,423 | BOYAmt |
| EOY | $3,332,703 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expnss | -$1,169,777 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | -$31,615 | NetUnrlzdGainsLossesInvstAmt |
| Info In Schedule O Part XII | Yes (X) | InfoInScheduleOPartXIIInd |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | false | AccountantCompileOrReviewInd |
| FS Audited | Yes (true) | FSAuditedInd |
FS Audited Basis FSAuditedBasisGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Separate Basis Fincl Stmt | Yes (X) | SeparateBasisFinclStmtInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | Yes (true) | AuditCommitteeInd |
| Federal Grant Audit Required | false | FederalGrantAuditRequiredInd |
Schedule A IRS990ScheduleA
| Field | Value | IRS element (for citing) |
|---|---|---|
| Publicly Supported Org509a2 | Yes (X) | PubliclySupportedOrg509a2Ind |
Gifts Grants Contris Rcvd509 GiftsGrantsContrisRcvd509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $2,457,261 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $3,332,490 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $5,662,524 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $1,833,497 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $1,936,977 | CurrentTaxYearAmt |
| Total | $15,222,749 | TotalAmt |
Gross Receipts Admissions GrossReceiptsAdmissionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $3,536,118 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $3,369,693 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $3,799,879 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $2,762,548 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $1,785,044 | CurrentTaxYearAmt |
| Total | $15,253,282 | TotalAmt |
Gross Receipts Non Unrlt Bus GrossReceiptsNonUnrltBusGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Tax Rev Levied Orgnztnl Bnft509 TaxRevLeviedOrgnztnlBnft509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Govt Furn Srvc Fclts Vl509 GovtFurnSrvcFcltsVl509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Total509 Total509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $5,993,379 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $6,702,183 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $9,462,403 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $4,596,045 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $3,722,021 | CurrentTaxYearAmt |
| Total | $30,476,031 | TotalAmt |
Amounts Rcvd Dsqlfy Person AmountsRcvdDsqlfyPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Substantial Contributors Amt SubstantialContributorsAmtGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support Total509 | $30,476,031 | PublicSupportTotal509Amt |
Gross Investment Income509 GrossInvestmentIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus3 Years | $31 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $396,626 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $23,652 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $10,533 | CurrentTaxYearAmt |
| Total | $430,842 | TotalAmt |
Post1975 UBTI Post1975UBTIGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Investment Income And UBTI InvestmentIncomeAndUBTIGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus3 Years | $31 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $396,626 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $23,652 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $10,533 | CurrentTaxYearAmt |
| Total | $430,842 | TotalAmt |
Net Income From Other UBI NetIncomeFromOtherUBIGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Other Income509 OtherIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Total Support Calendar Year TotalSupportCalendarYearGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $5,993,379 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $6,702,214 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $9,859,029 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $4,619,697 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $3,732,554 | CurrentTaxYearAmt |
| Total | $30,906,873 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support CY509 | 0.98610 | PublicSupportCY509Pct |
| Public Support PY509 | 0.97850 | PublicSupportPY509Pct |
| Investment Income CY | 0.01390 | InvestmentIncomeCYPct |
| Investment Income PY | 0.02150 | InvestmentIncomePYPct |
| Thirty Thr Pct Suprt Tests CY509 | Yes (X) | ThirtyThrPctSuprtTestsCY509Ind |
Schedule B IRS990ScheduleB
Contributor Information ContributorInformationGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Contributor | RESTRICTED | ContributorNum |
Contributor Business Name ContributorBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | RESTRICTED | BusinessNameLine1 |
Contributor US Address ContributorUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | RESTRICTED | AddressLine1 |
| Address Line2 | RESTRICTED | AddressLine2 |
| City | RESTRICTED | City |
| State | RESTRICTED | State |
| ZIP Code | RESTRICTED | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Contributions | RESTRICTED | TotalContributionsAmt |
Schedule D IRS990ScheduleD
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $5,138 | OtherCostOrOtherBasisAmt |
| Depreciation | $5,138 | DepreciationAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $1,149,382 | OtherCostOrOtherBasisAmt |
| Depreciation | $1,148,108 | DepreciationAmt |
| Book Value | $1,274 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $134,258 | OtherCostOrOtherBasisAmt |
| Depreciation | $130,784 | DepreciationAmt |
| Book Value | $3,474 | BookValueAmt |
Other Land Buildings OtherLandBuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $339,818 | OtherCostOrOtherBasisAmt |
| Depreciation | $222,849 | DepreciationAmt |
| Book Value | $116,969 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $121,717 | TotalBookValueLandBuildingsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)
| DescDesc | AmtAmt |
|---|---|
| Lease Payable | $289,244 |
| Refundable deposits | $149,852 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $439,096 | TotalLiabilityAmt |
| Footnote Text | Yes (X) | FootnoteTextInd |
| Total Rev Etc Audited Fincl Stmt | $4,017,147 | TotalRevEtcAuditedFinclStmtAmt |
| Net Unrealized Gains Invst | -$31,615 | NetUnrealizedGainsInvstAmt |
| Revenue Not Reported | -$31,615 | RevenueNotReportedAmt |
| Revenue Subtotal | $4,048,762 | RevenueSubtotalAmt |
| Total Revenue Per Form990 | $4,048,762 | TotalRevenuePerForm990Amt |
| Tot Expns Etc Audited Fincl Stmt | $5,218,539 | TotExpnsEtcAuditedFinclStmtAmt |
| Expenses Subtotal | $5,218,539 | ExpensesSubtotalAmt |
| Total Expenses Per Form990 | $5,218,539 | TotalExpensesPerForm990Amt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | Part X : FIN48 Footnote | FormAndLineReferenceDesc |
| Explanation | The Organization is exempt from federal income taxes under Section 501(c)(3) of the Internal Revenue Code with a similar exemption under California state law. The amount of $4,389.95 is included in taxes and licenses in the Consolidated Statement of Functional Expenses which is LLC fees and income taxes paid to the State of California.The Organization utilizes a two-step approach to recognizing and measuring uncertain tax positions, including unrelated business income tax. The first step is to evaluate the tax position for recognition by determining if the weight of available evidence indicates it is more likely than not that the position will be sustained on audit, including resolution of related appeals or litigation processes. The second step is to measure the tax benefit as the largest amount, which is more than 50% likely of being realized upon ultimate settlement.As of December 31, 2025, there was no uncertain tax position. Management believes that the Organization is no longer subject to income tax examinations for the years prior to 2019. | ExplanationTxt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Severance Payment | false | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | false | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | false | EquityBasedCompArrngmInd |
| Comp Based On Revenue Of Flng Org | false | CompBasedOnRevenueOfFlngOrgInd |
| Comp Bsd On Rev Related Orgs | false | CompBsdOnRevRelatedOrgsInd |
| Comp Bsd Net Earns Flng Org | false | CompBsdNetEarnsFlngOrgInd |
| Comp Bsd Net Earns Rltd Orgs | false | CompBsdNetEarnsRltdOrgsInd |
| Any Non Fixed Payments | false | AnyNonFixedPaymentsInd |
| Initial Contract Exception | false | InitialContractExceptionInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (3 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt |
|---|---|---|---|---|
| CYNTHIA WILLIAMS | ||||
| President - CEO | $228,915 | $9,757 | $11,324 | $249,996 |
| Melinda Opperman | ||||
| Chief External Affairs Officer | $146,900 | $6,914 | $8,596 | $162,410 |
| Michelle Taylor | ||||
| VP Operations | $151,729 | $6,600 | $11,658 | $169,987 |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (6 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| Form 990, Part VI, Section B, Line 11b | PRIOR TO FILING, SPRINGBOARD'S FORM 990 IS REVIEWED INTERNALLY BY THECEO, AS WELL AS BY AN INDEPENDENT CERTIFIED PUBLIC ACCOUNTING FIRM. ONCETHESE REVIEWS ARE COMPLETE, ONE OF TWO PROCEDURES IS FOLLOWED: A. COPIESOF THE FORM 990 ARE GIVEN TO THE BOARD MEMBERS FOR REVIEW PRIOR TO THEANNUAL MEETING. AT THE ANNUAL MEETING, FORM 990 IS DISCUSSED AND ANYQUESTIONS OR COMMENTS ARE ADDRESSED; OR B. A COPY OF THE FORM 990 ISGIVEN TO EACH BOARD MEMBER WITH A NOTICE THAT INFORMS THE BOARD MEMBERTHEY SHALL HAVE A WEEK TO REVIEW THE FORM 990 AND TO SUBMIT ANY QUESTIONSOR COMMENTS TO THE CEO. THESE QUESTIONS OR COMMENTS ARE THEN ADDRESSEDAND CIRCULATED TO THE BOARD MEMBERS, UNLESS THE BOARD CHAIR REQUESTS THATA BOARD MEETING BE CONVENED AT WHICH ANY AND ALL QUESTIONS OR COMMENTSCAN BE ADDRESSED. |
| Form 990, Part VI, Section B, Line 12c | EACH BOARD MEMBER IS REQUIRED TO COMPLETE A CONFLICT FORM ANNUALLY. THEFORM CONTAINS THE COMPANY'S CONFLICTS POLICY, AS WELL AS AN AREA IN WHICHTHE BOARD MEMBER DISCLOSES ANY AND ALL ORGANIZATIONS IN WHICH THE MEMBERIS A BOARD MEMBER, COMMITTEE MEMBER OR AN EMPLOYEE. ADDITIONALLY, THEMEMBER IS REQUIRED TO CERTIFY THAT, EXCEPT AS DESCRIBED IN THE FORM, THEYARE NOT AND HAVE NOT IN THE PAST YEAR BEEN: 1.) A PARTICIPANT, DIRECTLYOR INDIRECTLY, IN ANY ARRANGEMENT, AGREEMENT, INVESTMENT, OR OTHERACTIVITY WITH ANY VENDOR, SUPPLIER, OR OTHER PARTY DOING BUSINESS WITHSPRINGBOARD WHICH HAS RESULTED OR COULD RESULT IN PERSONAL BENEFIT TO THEM. 2.) A RECIPIENT, DIRECTLY OR INDIRECTLY, OF ANY SALARY PAYMENTS ORLOANS OR GIFTS OF ANY KIND OR ANY FREE SERVICE OR DISCOUNTS OR OTHER FEESFROM OR ON BEHALF OF ANY PERSON OR ORGANIZATION ENGAGED IN ANYTRANSACTION WITH SPRINGBOARD. KEY EMPLOYEES REVIEW THE EMPLOYEE CONFLICTSOF INTEREST POLICY ANNUALLY AND ARE REQUIRED TO ANNUALLY CERTIFY THATTHEY HAVE REPORTED IN WRITING ANY CIRCUMSTANCE THAT, SINCE THEIR LASTEXECUTION OF THE POLICY, DID OR MAY HAVE INVOLVED A CONFLICT OF INTERESTIN THE CONDUCT OF SPRINGBOARD'S BUSINESS, OR MAY HAVE CREATED THEAPPEARANCE OF INVOLVING A CONFLICT OR IMPROPRIETY. THE KEY EMPLOYEE ISALSO REQUIRED TO ATTACH TO THE SIGNED POLICY A COPY OF THE WRITINGDISCLOSING THE POTENTIAL CONFLICT. |
| Form 990, Part VI, Section B, Line 15b | THE COMPENSATION PROCESS FOR OFFICERS AND KEY EMPLOYEES IS PERIODICALLYESTABLISHED BY A BOARD COMPENSATION COMMITTEE. THIS COMMITTEE TAKES INTOCONSIDERATION A NUMBER OF FACTORS INCLUDING: (1) AN INDEPENDENTCOMPENSATION STUDY OBTAINED BY THE COMPANY; (2) THE 990S OF OTHER SIMILARORGANIZATIONS; (3) INTERNALLY COMPLETED COMPENSATION STUDIES. ANNUALCOMPENSATION AND ANY MERIT INCREASES JUSTIFIED BY PERFORMANCE ARERECOMMENDED BY THE EMPLOYEE'S DIRECT SUPERVISOR; HOWEVER, THEY ARESUBJECT TO FINAL APPROVAL BY THE CEO, PROVIDED THEY ARE WITHIN THECOMPENSATION RANGES ESTABLISHED BY THE COMMITTEE. |
| Form 990, Part VI, Section C, Line 19 | THE ORGANIZATION'S EXEMPT APPLICATION WITH THE SUPPORTING DOCUMENTATION AND THE ANNUAL RETURN ARE MADE AVAILABLE TO THE PUBLIC BY WRITTEN REQUEST. |
| Form 990, Part XII, Line 2c | ALL REVIEW AND PROCESS FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT AUDITOR REMAINS CONSISTENT BETWEEN YEARS. |
| FORM 990, PART I, SUMMARY | Organization OverviewEstablished in 1974, Springboard Nonprofit Consumer Credit Management, Inc., dba Credit.org, is a nonprofit organization dedicated to improving individual and family financial well-being and expanding access to financial stability services.In 2025, Credit.org updated its mission to reflect a modern, client-centered, and outcomes-driven approach: We empower individuals and communities to achieve a brighter financial future through trusted counseling and education, turning goals into action. This mission highlights Credit.orgs focus on digital access, scalable education, and measurable outcomes for underserved communities. The organization primarily serves low- to moderate-income households and remains committed to equitable access, regardless of ability to pay. Credit.org provides services nationwide, expanding access to financial education and counseling for individuals and families in diverse communities. Credit.org is approved by the U.S. Department of Housing and Urban Development (HUD) as a Housing Counseling Agency, reflecting its adherence to national standards for housing counseling and financial education services.Public Awareness and Digital OutreachCredit.org promotes financial literacy through a digital-first strategy, connecting consumers to financial guidance via its website, online tools, and educational content. In 2025, Credit.orgs website received 303,108 visitors (98% new). Blog content, tools, and educational resources engaged 190,725 users, and financial education pages recorded 233,223 total page views. The organization continues to enhance service delivery through technology-enabled platforms that expand access and improve client engagement.Counseling and Education ServicesCredit.org provides comprehensive financial counseling and education services, including budget counseling, credit and debt management, housing counseling (pre-purchase, rental, foreclosure prevention, and reverse mortgage), and bankruptcy counseling and education. Through these efforts, Credit.org provided direct services to 20,146 consumers nationwide, including 8,632 in financial literacy and education programs; 4,480 in housing counseling; 2,386 in credit counseling and debt management programs, and 4,648 in web-based homebuyer education courses and one-on-one advisory sessions to address the individuals unique housing goals. Services are designed to address barriers faced by low- to moderate-income and financially underserved populations. Credit.org ensures that cost is not a barrier to access. Many services are delivered at no cost to clients through fee waivers and grant-funded programs, enabling financially vulnerable individuals to access critical counseling and education without out-of-pocket costs. A significant portion of services is supported by grant funding, expanding access to those who might otherwise be unable to afford essential financial guidance and support. In 2025, 78% of clients served were low- to moderate-income households, and 51% identified as racial or ethnic minorities. Some clients (3%) did not disclose demographic data. These figures exclude pre-bankruptcy counseling, pre-discharge debtor education, and workshops where demographic information is not requested.Impact and Measurable OutcomesCredit.org is committed to delivering measurable improvements in financial knowledge and behavior. Through the Financial Instructional Training (FIT) Academy, 7,785 participants demonstrated measurable gains in knowledge, with an average increase of 19 points between pre- and post-test assessments, representing a 27% improvement. The pre-test average score was 70%, and the post-test average score was 89%, reflecting a grade increase from C- to B+. Participants receive an achievement document upon completion.The FIT Academy has reached 80,720 learners over eleven (11) years, providing free, self-paced financial education accessible 24/7. In addition, participants in targeted programs such as CLIMB achieved meaningful financial outcomes. In 2025, 42 individuals improved or established credit, with an average increase in credit score of 31 points. Participants apply these skills to improve budgeting practices, reduce debt, and make informed financial decisions that support long-term financial stability. These results demonstrate Credit.orgs ability to translate financial education into tangible financial progress.Community Education and Scalable LearningCredit.org delivers financial education through both live and self-directed formats to maximize accessibility and impact. In 2025, the organization conducted approximately 70 workshops, educating 816 individuals through targeted virtual and in-person sessions. Additionally, thousands of individuals accessed self-directed learning through the FIT Academy, expanding reach beyond geographic limitations and supporting diverse learning preferences.Leadership, Partnerships, and Financial InclusionCredit.org plays a leadership role in advancing financial inclusion through strategic partnerships and community-based initiatives. The organization participates in regional and national efforts to expand access to safe and affordable financial products, including financial empowerment coalitions and initiatives that connect consumers with safe banking options. As a coordinator of two (2) local America Saves campaigns and an active participant in initiatives such as Bank On programs and America Saves Week, Credit.org helps translate financial education into actionable financial behaviors. These partnerships enhance the organizations ability to deliver coordinated, community-wide impact and extend services to underserved populations.Free Educational Materials and Digital ContentCredit.org provides a comprehensive library of free educational materials to support consumers at all stages of their financial journey. In 2025, Credit.org implemented a blog-focused content strategy, delivering timely, practical financial education aligned with its service lines and consumer needs. Content is regularly updated to address relevant financial topics, including budgeting, saving, credit management, and debt reduction. These resources, along with downloadable tools and financial worksheets, are available at no cost on the organizations website. This digital-first content strategy enables Credit.org to scale its impact and provide ongoing support beyond one-on-one counseling sessions. This integrated approach combines education, counseling, and digital access to deliver measurable, scalable financial impact across the communities it serves. |
Schedule R IRS990ScheduleR
Id Disregarded Entities IdDisregardedEntitiesGrp
Disregarded Entity Name DisregardedEntityName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Springboard Solutions LLC | BusinessNameLine1Txt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1825 Chicago Avenue Suite 240 | AddressLine1Txt |
| City | Riverside | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 92507 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 273130421 | EIN |
| Primary Activities | government contracting | PrimaryActivitiesTxt |
| Legal Domicile State | CA | LegalDomicileStateCd |
Direct Controlling Entity Name DirectControllingEntityName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | SPRINGBOARD NONPROFIT CONSUMER | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Receipt Of Int Annts Rnts Rylts | false | ReceiptOfIntAnntsRntsRyltsInd |
| Gift Grnt Or Cap Contri To Oth Org | false | GiftGrntOrCapContriToOthOrgInd |
| Gift Grnt Cap Contri From Oth Org | false | GiftGrntCapContriFromOthOrgInd |
| Loans Or Guarantees To Other Org | false | LoansOrGuaranteesToOtherOrgInd |
| Loans Or Guarantees From Oth Org | false | LoansOrGuaranteesFromOthOrgInd |
| Div Related Organization | false | DivRelatedOrganizationInd |
| Asset Sale To Other Org | false | AssetSaleToOtherOrgInd |
| Asset Purchase From Other Org | false | AssetPurchaseFromOtherOrgInd |
| Asset Exchange | false | AssetExchangeInd |
| Rental Of Facilities To Oth Org | false | RentalOfFacilitiesToOthOrgInd |
| Rental Of Fclts From Oth Org | false | RentalOfFcltsFromOthOrgInd |
| Perform Of Services For Oth Org | false | PerformOfServicesForOthOrgInd |
| Perform Of Services By Other Org | false | PerformOfServicesByOtherOrgInd |
| Sharing Of Facilities | false | SharingOfFacilitiesInd |
| Paid Employees Sharing | false | PaidEmployeesSharingInd |
| Reimbursement Paid To Other Org | false | ReimbursementPaidToOtherOrgInd |
| Reimbursement Paid By Other Org | false | ReimbursementPaidByOtherOrgInd |
| Transfer To Other Org | false | TransferToOtherOrgInd |
| Transfer From Other Org | false | TransferFromOtherOrgInd |
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