SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC: Form 990, tax year 2024

View the entire original 990 at ProPublica ↗

Organization: SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC (EIN 33-0656671)
Tax period: 2024-01-01 to 2024-12-31
Filed: 2025-05-09
IRS object ID: 202511299349304326
Schema version: 2024v5.1
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
Form 990
Schedule A
Schedule B
Schedule D
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2025-05-09T17:16:00-05:00	ReturnTs
Tax Period End	2024-12-31	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	200 E SANDPOINTE AVENUE SUITE 600	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	2024-01-01	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	1450 IOWA AVENUE 200	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
Phone	8004318157	PhoneNum
Signature	2025-05-09	SignatureDt

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	0	IRSResponsiblePrtyInfoCurrInd

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	2024	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	CYNTHIA WILLIAMS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1450 IOWA AVENUE SUITE 200	AddressLine1Txt
City	RIVERSIDE	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	92507	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$10,548,294	GrossReceiptsAmt
Group Return For Affiliates	0	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 PROVIDE FINANCIAL EDUCATION AND COUNSELING SERVICES, PROMOTE FINANCIAL LITERACY AND RELIEVE THE BURDENS OF GOVERNMENT THROUGH VARIOUS INITIATIVES.	ActivityOrMissionDesc
Voting Members Governing Body	5	VotingMembersGoverningBodyCnt
Voting Members Independent	4	VotingMembersIndependentCnt
Total Employee	45	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$5,662,524	PYContributionsGrantsAmt
CY Contributions Grants	$1,833,497	CYContributionsGrantsAmt
PY Program Service Revenue	$3,173,470	PYProgramServiceRevenueAmt
CY Program Service Revenue	$2,385,019	CYProgramServiceRevenueAmt
PY Investment Income	$396,626	PYInvestmentIncomeAmt
CY Investment Income	-$135,198	CYInvestmentIncomeAmt
PY Other Revenue	$626,409	PYOtherRevenueAmt
CY Other Revenue	$377,529	CYOtherRevenueAmt
PY Total Revenue	$9,859,029	PYTotalRevenueAmt
CY Total Revenue	$4,460,847	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,909,871	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,898,872	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$4,846,833	PYOtherExpensesAmt
CY Other Expenses	$4,444,172	CYOtherExpensesAmt
PY Total Expenses	$7,756,704	PYTotalExpensesAmt
CY Total Expenses	$7,343,044	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,102,325	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	-$2,882,197	CYRevenuesLessExpensesAmt
Total Assets BOY	$9,852,454	TotalAssetsBOYAmt
Total Assets EOY	$5,270,422	TotalAssetsEOYAmt
Total Liabilities BOY	$3,764,885	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,796,658	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$6,087,569	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$3,473,764	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
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	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Expense	$986,575	ExpenseAmt
Revenue	$998,324	RevenueAmt
Desc	DEBT MANAGEMENT PLANSCREDIT.ORG OFFERS DEBT REPAYMENT PLANS (I.E., DEBT MANAGEMENT PLANS ["DMP"]) IN SITUATIONS WHERE SUCH A PLAN IS THE MOST BENEFICIAL COURSE OF ACTION FOR A PARTICULAR COUNSELEE AS AN INCIDENTAL FEATURE OF BUDGET AND DEBT COUNSELING. CREDIT.ORG USES ITS DMP PROGRAM AS AN EDUCATIONAL TOOL THAT PROVIDES INDIVIDUALS WITH AN OPPORTUNITY TO DEVELOP THE DISCIPLINE AND FINANCIAL MANAGEMENT SKILLS NECESSARY TO OVERCOME THEIR FINANCIAL PROBLEMS AND LEARN NEW SPENDING AND FAVORABLE CREDIT MANAGEMENT HABITS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Expense	$2,364,821	ExpenseAmt
Revenue	$2,984,526	RevenueAmt
Desc	HOUSING COUNSELINGCREDIT.ORG IS APPROVED BY THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT AS A COMPREHENSIVE HOUSING COUNSELING AGENCY AND OFFERS FIRST-TIME HOMEBUYER WORKSHOPS AND INDIVIDUALIZED EDUCATION AND COUNSELING FOR PRE-PURCHASING HOMEBUYERS, FORECLOSURE PREVENTION, LANDLORD/TENANT ISSUES AND POST-PURCHASING HOMEBUYERS.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Expense	$129,616	ExpenseAmt
Revenue	$136,176	RevenueAmt
Desc	REVERSE MORTGAGE COUNSELING: CREDIT.ORG OFFERS REVERSE MORTGAGE COUNSELING TO ELIGIBLE CONSUMERS TO EXPLAIN THE ADVANTAGES AND DISADVANTAGES OF A REVERSE MORTGAGE INCLUDING PAYMENT OPTIONS, BENEFITS AND DRAWBACKS.	Desc

Prog Srvc Accom Acty Other ProgSrvcAccomActyOtherGrp

Field	Value	IRS element (for citing)
Expense	$1,398,594	ExpenseAmt
Revenue	$341,821	RevenueAmt

Field	Value	IRS element (for citing)
Total Other Prog Srvc Expense	$1,398,594	TotalOtherProgSrvcExpenseAmt
Total Other Prog Srvc Revenue	$341,821	TotalOtherProgSrvcRevenueAmt
Total Program Service Expenses	$4,879,606	TotalProgramServiceExpensesAmt
Described In Section501c3	Yes (1)	DescribedInSection501c3Ind
Schedule B Required	Yes (1)	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Lobbying Activities	0	LobbyingActivitiesInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	Yes (1)	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Engaged In Excess Benefit Trans	0	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	0	PYExcessBenefitTransInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	Yes (1)	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Trnsfr Exmpt Non Chrtbl Rltd Org	0	TrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	6	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	45	EmployeeCnt
Employment Tax Returns Filed	0	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	5	GoverningBodyVotingMembersCnt
Independent Voting Member	4	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	0	MembersOrStockholdersInd
Election Of Board Members	0	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	AL	StatesWhereCopyOfReturnIsFldCd
States Where Copy Of Return Is Fld	AZ	StatesWhereCopyOfReturnIsFldCd
States Where Copy Of Return Is Fld	AR	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	MD	StatesWhereCopyOfReturnIsFldCd
States Where Copy Of Return Is Fld	MA	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	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	NC	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	WV	StatesWhereCopyOfReturnIsFldCd
States Where Copy Of Return Is Fld	WI	StatesWhereCopyOfReturnIsFldCd
Other Website	Yes (X)	OtherWebsiteInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CYNTHIA WILLIAMS	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	8004318157	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1450 IOWA AVENUE SUITE 200	AddressLine1Txt
City	RIVERSIDE	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	92507	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (9 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd	Former Ofcr Director TrusteeFormerOfcrDirectorTrusteeInd
STACIE ANCTIL
DIRECTOR	1.00	Yes (X)	$0	$0	$0
MIKE FRASCHILLA
DIRECTOR	1.00	Yes (X)	$0	$0	$0
ETHAN HORN
TREASURER	1.00	Yes (X)	$0	$0	$0
CYNTHIA WILLIAMS
PRESIDENT - CEO	50.00	Yes (X)	$184,708	$0	$15,992	Yes (X)
JOHN PERLSTEIN
SECRETARY	1.00	Yes (X)	$0	$0	$0
ROBIN HILLARY
CHIEF INNOVATION OFFICER	40.00		$150,462	$0	$9,695		Yes (X)
MELINDA OPPERMAN
CHIEF EXTERNAL AFFAIRS OFF	50.00		$180,800	$0	$15,799		Yes (X)
MICHELLE TAYLOR
VP OPERATIONS	40.00		$170,400	$0	$15,471			Yes (X)
ANTHONY TODD EMERSON
PRESIDENT-CEO	1.00		$42,519	$0	$3,069				Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$728,889	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$60,026	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	5	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	Yes (1)	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (4 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	$1,377,541
SPERIDIAN TECHNOLOGIES
2400 LOUISIANA BOULEVARD NE BUILDI	ALBUQUERQUE	NM	87110	SOFTWARE CONSULTANT	$219,088
NATIONAL FOUNDATION FOR CREDIT COUNSELIN
2033 K STREET NW SUITE 425	WASHINGTON	DC	20006	TRADE ASSOCIATION	$202,671
FIVE9 INC
3001 BISHOP DRIVE SUITE 350	SAN RAMON	CA	94583	SOFTWARE SERVICES	$174,421

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	4	CntrctRcvdGreaterThan100KCnt
Government Grants	$856,062	GovernmentGrantsAmt
All Other Contributions	$977,435	AllOtherContributionsAmt
Total Contributions	$1,833,497	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
CREDIT AND DEBT COUNSELING	611600	$1,265,549	$1,265,549
DEBT MANAGEMENT FEES	611600	$535,502	$535,502
HOUSING COUNSELING	611600	$451,399	$451,399
STATE PROGRAM SERVICES	611600	$104,913	$104,913
BANKRUPTCY COUNSELING	611600	$22,406	$22,406

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$5,250	TotalRevenueColumnAmt
Related Or Exempt Func Income	$5,250	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$2,385,019	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$23,652	TotalRevenueColumnAmt
Exclusion	$23,652	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$5,928,597	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$6,087,447	SecuritiesAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$158,850	SecuritiesAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$158,850	TotalRevenueColumnAmt
Exclusion	-$158,850	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	OTHER REVENUE	Desc
Business	900099	BusinessCd
Total Revenue Column	$377,529	TotalRevenueColumnAmt
Related Or Exempt Func Income	$377,529	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$377,529	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,460,847	TotalRevenueColumnAmt
Related Or Exempt Func Income	$2,762,548	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	-$135,198	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$742,118	TotalAmt
Management And General	$742,118	ManagementAndGeneralAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,699,245	TotalAmt
Program Services	$971,027	ProgramServicesAmt
Management And General	$728,218	ManagementAndGeneralAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$457,509	TotalAmt
Program Services	$181,676	ProgramServicesAmt
Management And General	$275,833	ManagementAndGeneralAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$365,368	TotalAmt
Program Services	$209,000	ProgramServicesAmt
Management And General	$156,368	ManagementAndGeneralAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$224,302	TotalAmt
Program Services	$79,484	ProgramServicesAmt
Management And General	$144,818	ManagementAndGeneralAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$367,848	TotalAmt
Program Services	$361,741	ProgramServicesAmt
Management And General	$6,107	ManagementAndGeneralAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$31,141	TotalAmt
Program Services	$25,036	ProgramServicesAmt
Management And General	$6,105	ManagementAndGeneralAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$60,190	TotalAmt
Program Services	$58,350	ProgramServicesAmt
Management And General	$1,840	ManagementAndGeneralAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$115,159	TotalAmt
Program Services	$115,159	ProgramServicesAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$706,426	TotalAmt
Program Services	$706,426	ProgramServicesAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$117,448	TotalAmt
Program Services	$83,852	ProgramServicesAmt
Management And General	$33,596	ManagementAndGeneralAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt	Management And GeneralManagementAndGeneralAmt
OUTSIDE SUPPORT SERVICE	$1,377,541	$1,377,541
SOFTWARE MAINTENANCE AN	$307,883	$252,219	$55,664
SOFTWARE LICENSES	$266,853	$232,277	$34,576
COMMUNICATION	$10,040	$6,280	$3,760

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$493,973	TotalAmt
Program Services	$219,538	ProgramServicesAmt
Management And General	$274,435	ManagementAndGeneralAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$7,343,044	TotalAmt
Program Services	$4,879,606	ProgramServicesAmt
Management And General	$2,463,438	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$2,987,747	BOYAmt
EOY	$890,874	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$828,780	BOYAmt
EOY	$92,262	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$121,942	BOYAmt
EOY	$76,492	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$130,273	BOYAmt
EOY	$155,293	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$1,622,011	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$1,229,115	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$516,772	BOYAmt
EOY	$392,896	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$4,500,904	BOYAmt
EOY	$3,242,191	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$736,037	BOYAmt
EOY	$390,415	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$29,999	BOYAmt
EOY	$29,999	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$9,852,454	BOYAmt
EOY	$5,270,422	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$646,804	BOYAmt
EOY	$442,076	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
EOY	$294,349	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$230,880	BOYAmt
EOY	$108,009	EOYAmt

Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp

Field	Value	IRS element (for citing)
BOY	$2,151,861	BOYAmt
EOY	$624,219	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$735,340	BOYAmt
EOY	$328,005	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$3,764,885	BOYAmt
EOY	$1,796,658	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	$5,824,944	BOYAmt
EOY	$3,473,764	EOYAmt

Donor Restriction Net Assets DonorRestrictionNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$262,625	BOYAmt
EOY	$0	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$6,087,569	BOYAmt
EOY	$3,473,764	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$9,852,454	BOYAmt
EOY	$5,270,422	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	-$2,882,197	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$531,017	NetUnrlzdGainsLossesInvstAmt
Prior Period Adjustments	-$262,625	PriorPeriodAdjustmentsAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	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 (1)	AuditCommitteeInd
Federal Grant Audit Required	0	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	$527,459	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$2,457,261	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$3,332,490	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$5,662,524	CurrentTaxYearMinus1YearAmt
Current Tax Year	$1,833,497	CurrentTaxYearAmt
Total	$13,813,231	TotalAmt

Gross Receipts Admissions GrossReceiptsAdmissionsGrp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$3,394,327	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$3,536,118	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$3,369,693	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$3,799,879	CurrentTaxYearMinus1YearAmt
Current Tax Year	$2,762,548	CurrentTaxYearAmt
Total	$16,862,565	TotalAmt

Total509 Total509Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$3,921,786	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$5,993,379	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$6,702,183	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$9,462,403	CurrentTaxYearMinus1YearAmt
Current Tax Year	$4,596,045	CurrentTaxYearAmt
Total	$30,675,796	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

Subst And Dsqlfy Prsns Tot SubstAndDsqlfyPrsnsTotGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Field	Value	IRS element (for citing)
Public Support Total509	$30,675,796	PublicSupportTotal509Amt

Gross Investment Income509 GrossInvestmentIncome509Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$255,091	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus2 Years	$31	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$396,626	CurrentTaxYearMinus1YearAmt
Current Tax Year	$23,652	CurrentTaxYearAmt
Total	$675,400	TotalAmt

Investment Income And UBTI InvestmentIncomeAndUBTIGrp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$255,091	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus2 Years	$31	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$396,626	CurrentTaxYearMinus1YearAmt
Current Tax Year	$23,652	CurrentTaxYearAmt
Total	$675,400	TotalAmt

Total Support Calendar Year TotalSupportCalendarYearGrp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$4,176,877	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$5,993,379	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$6,702,214	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$9,859,029	CurrentTaxYearMinus1YearAmt
Current Tax Year	$4,619,697	CurrentTaxYearAmt
Total	$31,351,196	TotalAmt

Field	Value	IRS element (for citing)
Public Support CY509	0.97850	PublicSupportCY509Pct
Public Support PY509	0.97840	PublicSupportPY509Pct
Investment Income CY	0.02150	InvestmentIncomeCYPct
Investment Income PY	0.02120	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

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	0	InclEscrowCustodialAcctLiabInd

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$5,138	OtherCostOrOtherBasisAmt
Depreciation	$2,154	DepreciationAmt
Book Value	$2,984	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,149,382	OtherCostOrOtherBasisAmt
Depreciation	$996,967	DepreciationAmt
Book Value	$152,415	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$30,263	OtherCostOrOtherBasisAmt
Depreciation	$26,757	DepreciationAmt
Book Value	$3,506	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$437,228	OtherCostOrOtherBasisAmt
Depreciation	$203,237	DepreciationAmt
Book Value	$233,991	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$392,896	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	LEASE PAYABLE	Desc
Amt	$328,005	Amt

Field	Value	IRS element (for citing)
Total Liability	$328,005	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$4,991,864	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	$531,017	NetUnrealizedGainsInvstAmt
Revenue Not Reported	$531,017	RevenueNotReportedAmt
Revenue Subtotal	$4,460,847	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$4,460,847	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$7,343,044	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$7,343,044	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$7,343,044	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	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 $11,246 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, 2024, THERE WAS NO UNCERTAIN TAX POSITION. MANAGEMENT BELIEVES THAT THE ORGANIZATION IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR THE YEARS PRIOR TO 2018.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd
Comp Based On Revenue Of Flng Org	0	CompBasedOnRevenueOfFlngOrgInd
Comp Bsd On Rev Related Orgs	0	CompBsdOnRevRelatedOrgsInd
Comp Bsd Net Earns Flng Org	0	CompBsdNetEarnsFlngOrgInd
Comp Bsd Net Earns Rltd Orgs	0	CompBsdNetEarnsRltdOrgsInd
Any Non Fixed Payments	0	AnyNonFixedPaymentsInd
Initial Contract Exception	0	InitialContractExceptionInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (5 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
CYNTHIA WILLIAMS
PRESIDENT - CEO	$184,708	$0	$0	$0	$0	$0	$6,176	$0	$9,816	$0	$200,700	$0	$0	$0
MELINDA OPPERMAN
CHIEF EXTERNAL AFFAIRS OFF	$180,800	$0	$0	$0	$0	$0	$6,914	$0	$8,885	$0	$196,599	$0	$0	$0
MICHELLE TAYLOR
VP OPERATIONS	$170,400	$0	$0	$0	$0	$0	$6,226	$0	$9,245	$0	$185,871	$0	$0	$0
ROBIN HILLARY
CHIEF INNOVATION OFFICER	$150,462	$0	$0	$0	$0	$0	$1,269	$0	$8,426	$0	$160,157	$0	$0	$0
ANTHONY TODD EMERSON
PRESIDENT-CEO	$42,519	$0	$0	$0	$0	$0	$1,546	$0	$1,523	$0	$45,588	$0	$0	$0

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 THE CEO, AS WELL AS BY AN INDEPENDENT CERTIFIED PUBLIC ACCOUNTING FIRM. ONCE THESE REVIEWS ARE COMPLETE, ONE OF TWO PROCEDURES IS FOLLOWED: A. COPIES OF THE FORM 990 ARE GIVEN TO THE BOARD MEMBERS FOR REVIEW PRIOR TO THE ANNUAL MEETING. AT THE ANNUAL MEETING, FORM 990 IS DISCUSSED AND ANY QUESTIONS OR COMMENTS ARE ADDRESSED; OR B. A COPY OF THE FORM 990 IS GIVEN TO EACH BOARD MEMBER WITH A NOTICE THAT INFORMS THE BOARD MEMBER THEY SHALL HAVE A WEEK TO REVIEW THE FORM 990 AND TO SUBMIT ANY QUESTIONS OR COMMENTS TO THE CEO. THESE QUESTIONS OR COMMENTS ARE THEN ADDRESSED AND CIRCULATED TO THE BOARD MEMBERS, UNLESS THE BOARD CHAIR REQUESTS THAT A BOARD MEETING BE CONVENED AT WHICH ANY AND ALL QUESTIONS OR COMMENTS CAN BE ADDRESSED.
FORM 990, PART VI, SECTION B, LINE 12C	EACH BOARD MEMBER IS REQUIRED TO COMPLETE A CONFLICT FORM ANNUALLY. THE FORM CONTAINS THE COMPANY'S CONFLICTS POLICY, AS WELL AS AN AREA IN WHICH THE BOARD MEMBER DISCLOSES ANY AND ALL ORGANIZATIONS IN WHICH THE MEMBER IS A BOARD MEMBER, COMMITTEE MEMBER OR AN EMPLOYEE. ADDITIONALLY, THE MEMBER IS REQUIRED TO CERTIFY THAT, EXCEPT AS DESCRIBED IN THE FORM, THEY ARE NOT AND HAVE NOT IN THE PAST YEAR BEEN: 1.) A PARTICIPANT, DIRECTLY OR INDIRECTLY, IN ANY ARRANGEMENT, AGREEMENT, INVESTMENT, OR OTHER ACTIVITY WITH ANY VENDOR, SUPPLIER, OR OTHER PARTY DOING BUSINESS WITH SPRINGBOARD WHICH HAS RESULTED OR COULD RESULT IN PERSONAL BENEFIT TO THEM. 2.) A RECIPIENT, DIRECTLY OR INDIRECTLY, OF ANY SALARY PAYMENTS OR LOANS OR GIFTS OF ANY KIND OR ANY FREE SERVICE OR DISCOUNTS OR OTHER FEES FROM OR ON BEHALF OF ANY PERSON OR ORGANIZATION ENGAGED IN ANY TRANSACTION WITH SPRINGBOARD. KEY EMPLOYEES REVIEW THE EMPLOYEE CONFLICTS OF INTEREST POLICY ANNUALLY AND ARE REQUIRED TO ANNUALLY CERTIFY THAT THEY HAVE REPORTED IN WRITING ANY CIRCUMSTANCE THAT, SINCE THEIR LAST EXECUTION OF THE POLICY, DID OR MAY HAVE INVOLVED A CONFLICT OF INTEREST IN THE CONDUCT OF SPRINGBOARD'S BUSINESS, OR MAY HAVE CREATED THE APPEARANCE OF INVOLVING A CONFLICT OR IMPROPRIETY. THE KEY EMPLOYEE IS ALSO REQUIRED TO ATTACH TO THE SIGNED POLICY A COPY OF THE WRITING DISCLOSING THE POTENTIAL CONFLICT.
FORM 990, PART VI, SECTION B, LINE 15	THE COMPENSATION PROCESS FOR OFFICERS AND KEY EMPLOYEES IS PERIODICALLY ESTABLISHED BY A BOARD COMPENSATION COMMITTEE. THIS COMMITTEE TAKES INTO CONSIDERATION A NUMBER OF FACTORS INCLUDING: (1) AN INDEPENDENT COMPENSATION STUDY OBTAINED BY THE COMPANY; (2) THE 990S OF OTHER SIMILAR ORGANIZATIONS; (3) INTERNALLY COMPLETED COMPENSATION STUDIES. ANNUAL COMPENSATION AND ANY MERIT INCREASES JUSTIFIED BY PERFORMANCE ARE RECOMMENDED BY THE EMPLOYEE'S DIRECT SUPERVISOR; HOWEVER, THEY ARE SUBJECT TO FINAL APPROVAL BY THE CEO, PROVIDED THEY ARE WITHIN THE COMPENSATION 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	ESTABLISHED IN 1974, SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT, INC., DBA CREDIT.ORG, IS A NONPROFIT COMMUNITY SERVICE ORGANIZATION WHOSE MISSION IS TO STRENGTHEN COMMUNITIES AND EMPOWER CONSUMERS BY OFFERING EDUCATIONAL SERVICES THAT PROMOTE FINANCIAL LITERACY, QUALITY FINANCIAL COUNSELING, DEBT MANAGEMENT SOLUTIONS, AND PATHWAYS TO AFFORDABLE HOUSING. CREDIT.ORG SERVES ALL COMMUNITY SEGMENTS REGARDLESS OF AN INDIVIDUAL'S ECONOMIC STATUS OR ABILITY TO PAY. THE AGENCY IS GOVERNED BY A VOLUNTARY AND DIVERSE COMMUNITY-BASED BOARD OF DIRECTORS AND IS ACCREDITED BY THE COUNCIL ON ACCREDITATION, A NATIONALLY RECOGNIZED INDEPENDENT ACCREDITING BODY SIGNIFYING THE HIGHEST STANDARDS FOR INDUSTRY GOVERNANCE, FISCAL INTEGRITY, COUNSELOR CERTIFICATION, AND SERVICE DELIVERY POLICIES. CREDIT.ORG'S TARGET POPULATION IS PREDOMINANTLY LOW-TO-MODERATE INCOME ("LMI") LEVEL HOUSEHOLDS. IN 2024, APPROXIMATELY 67% OF ORGANIZATION'S CLIENTS WERE LMI INDIVIDUALS AND FAMILIES. IN ADDITION, APPROXIMATELY 50% OF THE AGENCY'S COUNSELED CLIENTS IDENTIFIED AS RACIAL AND ETHNIC MINORITIES. DURING THEIR COUNSELING SESSION, 4% OF CLIENTS CHOSE NOT TO PROVIDE THEIR RACE AND/OR ETHNICITY. THESE FIGURES DO NOT INCLUDE PRE-BANKRUPTCY COUNSELING, PRE-DISCHARGE DEBTOR EDUCATION OR WORKSHOPS WHERE DEMOGRAPHIC INFORMATION IS NOT REQUESTED. IN 2024, CREDIT.ORG PROVIDED DIRECT SERVICES TO 46,406 CONSUMERS, INCLUDING 10,363, IN FINANCIAL LITERACY AND EDUCATION PROGRAMS; 4,168 IN HOUSING COUNSELING; 3,168 IN CREDIT COUNSELING AND DEBT MANAGEMENT PROGRAMS; 4,707 IN WEB-BASED HOMEBUYER EDUCATION COURSES AND ONE-ON-ONE ADVISORY SESSIONS TO ADDRESS THE INDIVIDUAL'S UNIQUE HOUSING GOALS; AND 24,000 IN HOMEOWNERS' ASSISTANCE PROGRAMS FOR THE STATES OF CONNECTICUT AND MASSACHUSETTS. PUBLIC AWARENESS AND EDUCATIONAL MATERIALS CREDIT.ORG PROMOTES AND SEEKS TO RAISE PUBLIC AWARENESS OF ITS COUNSELING SERVICES AND THE AVAILABILITY OF ITS FINANCIAL LITERACY PROGRAMS AND MATERIALS THROUGH VARIOUS FORMS OF MEDIA, INCLUDING PRINTED MATERIALS AND THE INTERNET. IN 2024, THESE EFFORTS RESULTED IN 315,108 VISITORS TO CREDIT.ORG'S WEBSITE, OF WHICH 99.5% WERE NEW USERS AND 0.5% WERE RETURNING VISITORS. CREDIT.ORG HAD OVER 197,049 VISITORS ACCESSING ITS EDUCATIONAL BLOG CONTENT, TOOLS, AND VARIOUS OTHER FINANCIAL RESOURCES, WITH ANOTHER 335,363 TOTAL PAGE VIEWS OF THE EDUCATIONAL COURSES LANDING PAGE. IN FURTHERANCE OF ITS EXEMPT CHARITABLE MISSION, CREDIT.ORG UNDERTOOK THE FOLLOWING ACTIVITIES: ITEM A - COUNSELING AND EDUCATION CREDIT.ORG'S COUNSELING AND EDUCATIONAL SERVICES INCLUDE BUDGET COUNSELING; EDUCATIONAL PROGRAMS, SEMINARS, AND MATERIALS FOR FINANCIALLY DISTRESSED CONSUMERS TO ASSIST WITH MONEY MANAGEMENT, DEBT EDUCATION, AND UNDERSTANDING CREDIT; PRE-BANKRUPTCY COUNSELING; PRE-DISCHARGE DEBTOR EDUCATION; REVERSE MORTGAGE AND HOUSING COUNSELING; FORECLOSURE PREVENTION HOUSING COUNSELING; AND GENERAL CREDIT AND DEBT COUNSELING. CREDIT.ORG'S SERVICES ARE FREE, EXCEPT FOR PRE-BANKRUPTCY COUNSELING, PRE-DISCHARGE DEBTOR EDUCATION, PRE-PURCHASE HOMEBUYER EDUCATION, CREDIT REPORT REVIEWS, STUDENT DEBT COUNSELING, SOME HOMEBUYER EDUCATION COURSES AND REVERSE MORTGAGE COUNSELING FOR WHICH THERE ARE MINIMAL CHARGES. CREDIT.ORG COACHES/COUNSELORS HAVE THE DISCRETION TO WAIVE OR REDUCE RELATED CHARGES THROUGH CONSIDERATION OF AN INDIVIDUAL'S PERSONAL FINANCIAL SITUATION AND ABILITY TO PAY BASED ON THE BUDGET ANALYSIS REVIEWED BY THE COUNSELOR. IN 2024, CREDIT.ORG WAIVED OR REDUCED FEES TOTALING $1,622 FOR 12 PRE-BANKRUPTCY COUNSELING SESSIONS AND 28 PRE-DISCHARGE DEBTOR EDUCATION CLIENTS. "HOUSING COUNSELING" CREDIT.ORG IS APPROVED BY THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT AS A COMPREHENSIVE HOUSING COUNSELING AGENCY THAT PROVIDES PRE-PURCHASE/FIRST-TIME HOMEBUYER EDUCATION, LANDLORD/TENANT RENTAL COUNSELING POST-HOME BUYER COUNSELING AND REVERSE MORTGAGE COUNSELING. "BUDGET AND DEBT COUNSELING" CREDIT.ORG PROVIDES GENERAL FINANCIAL LITERACY COUNSELING DESIGNED TO HELP COUNSELEES UNDERSTAND THE CAUSES OF FINANCIAL STRESS AND LEARN HOW TO TRACK AND EVALUATE SPENDING. THIS COUNSELING SERVICE INCLUDES CREATING A STEP-BY-STEP PERSONALIZED BUDGET, TIPS TO HELP STAY WITHIN BUDGET, AND AN ACTION PLAN AND OPTIONS TO HELP COUNSELEES MANAGE THEIR FINANCES MORE EFFECTIVELY. "DEBT MANAGEMENT PLAN" CREDIT.ORG OFFERS DEBT REPAYMENT PLANS (I.E., DEBT MANAGEMENT PLANS ["DMP"]) IN SITUATIONS WHERE SUCH A PLAN IS THE MOST BENEFICIAL COURSE OF ACTION FOR A PARTICULAR COUNSELEE AS AN INCIDENTAL FEATURE OF BUDGET AND DEBT COUNSELING. CREDIT.ORG USES ITS DMP PROGRAM AS AN EDUCATIONAL TOOL THAT PROVIDES INDIVIDUALS WITH AN OPPORTUNITY TO DEVELOP THE DISCIPLINE AND FINANCIAL MANAGEMENT SKILLS NECESSARY TO OVERCOME THEIR FINANCIAL PROBLEMS AND LEARN NEW SPENDING AND FAVORABLE CREDIT MANAGEMENT HABITS. ITEM B - COMMUNITY EDUCATION WORKSHOPS IN 2024, THE CREDIT.ORG TRAINING TEAM CONDUCTED 50 WORKSHOPS AND EDUCATED 547 CONSUMERS THROUGH "LIVE" VIRTUAL SETTINGS (ZOOM, ETC.), REACHING CONSUMERS WELL BEYOND ITS TRADITIONAL SOUTHERN CALIFORNIA ROOTS. THROUGH THE AGENCY'S ONLINE DISTANCE EDUCATION LEARNING PORTAL REFERRED TO AS THE FINANCIAL INSTRUCTIONAL TRAINING ("FIT") ACADEMY, CREDIT.ORG OFFERS CONSUMERS THE ABILITY TO EXPAND THEIR KNOWLEDGE AND UNDERSTANDING OF MONEY MATTERS FROM THE PRIVACY OF THEIR HOMES WHILE WORKING AT THEIR OWN PACE; 8,732 CONSUMERS SIGNED ON TO UTILIZE THE ONLINE PLATFORM. STATISTICAL ANALYSIS OF PRE- AND POST-TEST TAKERS OF FIT ACADEMY PROGRAMS REFLECTED A 31% AVERAGE INCREASE IN KNOWLEDGE GAINED. IN 2024, THE PRE-TEST AVERAGE SCORE WAS 68% AND THE POST-TEST AVERAGE SCORE WAS 89%, TRANSLATING TO AN INCREASE IN LETTER GRADE FROM "D+" TO "B+." AT THE COMPLETION OF EACH CLASS, PARTICIPANTS RECEIVE RECOGNITION VIA A DOCUMENT OF ACHIEVEMENT. THE FIT ACADEMY HAS REACHED 72,935 CONSUMERS IN THE LAST ELEVEN YEARS. AWARD-WINNING EDUCATION THE ORGANIZATION HAS RECEIVED MORE THAN A DOZEN AWARDS IN THE FINANCIAL LITERACY FIELD FOR ITS ACCOMPLISHMENTS IN PURSUIT OF EXCELLENCE AND PROMOTION OF CONSUMER FINANCIAL HEALTH. CREDIT.ORG HAS WON SEVEN NATIONAL EDUCATION AND COUNSELOR OF THE YEAR AWARDS FROM THE NATION'S LARGEST AND LONGEST-SERVING NONPROFIT FINANCIAL COUNSELING TRADE ASSOCIATION, THE NATIONAL FOUNDATION FOR CREDIT COUNSELING. MOBILE OUTREACH VALUABLE EDUCATION ("MOVE") CREDIT.ORG PROVIDES AND PROMOTES FINANCIAL LITERACY EDUCATION THROUGH CLASSES AND WORKSHOPS THROUGH ITS MOVE TAKE-IT-TO-THE-STREETS INITIATIVE. THIS EFFORT SERVES THE COMMUNITY BY CONDUCTING IN-PERSON ON-SITE WORKSHOPS FOR MOSTLY LMI ATTENDEES IN ENGLISH AND/OR SPANISH. MORE RECENTLY, MOVE ACTIVITIES HAVE ADDED VIRTUAL WORKSHOPS HELD VIA ZOOM WHERE PARTICIPATION HAS INCREASED. "AMERICA SAVES WEEK 2024" AMERICA SAVES WEEK ("ASW") IS AN ANNUAL MOVEMENT STARTED IN 2007 BY THE NONPROFIT CONSUMER FEDERATION OF AMERICA WHICH SEEKS TO PROMOTE FISCAL RESPONSIBILITY AND AWARENESS, GOOD SAVING HABITS, AND FINANCIAL LITERACY PARTICULARLY FOR LMI INDIVIDUALS CREDIT.ORG MANAGES TWO LOCAL AMERICA SAVES CAMPAIGNS, INLAND EMPIRE SAVES (WWW.IESAVES.ORG) AND SAN DIEGO SAVES (WWW.SDSAVES.ORG) AND SERVES AS LOCAL CAMPAIGN COORDINATOR FOR THE CALIFORNIA COUNTIES OF RIVERSIDE, SAN BERNARDINO, AND SAN DIEGO. IN 2024. CREDIT.ORG'S CAMPAIGN WAS ONE OF ONLY 19 RECIPIENTS TO BE HONORED OUT OF 4,600 ORGANIZATIONS WITH THE SAVINGS CHAMPION AWARD FOR ASW 2024. ITEM C - FREE EDUCATIONAL MATERIALS AVAILABLE TO THE PUBLIC "CREDIT.ORG NEWSLETTER AND BLOG POSTS" CREDIT.ORG'S WEEKLY NEWSLETTER IS SENT VIA EMAIL TO THOSE WHO SIGNED UP AT CREDIT.ORG'S WEBSITE AND CLIENTS WHO PREVIOUSLY RECEIVED COUNSELING. THE NEWSLETTER COVERS A VARIETY OF WAYS TO SAVE MONEY, INCLUDING FOOD, ENTERTAINMENT, CELEBRATIONS, AND HOME IMPROVEMENTS. THE ARTICLES FROM THE NEWSLETTER ARE CATALOGED ON THE AGENCY'S WEBSITE AND ARE AVAILABLE FREE OF CHARGE. FOR THE LATTER HALF OF 2024, CREDIT.ORG TRANSITIONED FROM ITS WEEKLY NEWSLETTER TO BLOG POSTS. "PUBLICATIONS AND FINANCIAL LITERACY WORKSHEETS" CREDIT.ORG HAS AUTHORED A VARIETY OF PUBLICATIONS AND BUDGETING WORKSHEETS TO HELP CONSUMERS MANAGE THEIR PERSONAL FINANCES, AVAILABLE FOR FREE AND DOWNLOADABLE FROM THE AGENCY'S WEBSITE, INCLUDING; BUDGETING 101 BUDGET 911 SURVIVING A JOB LOSS OR REDUCED INCOME COUPLES AND MONEY THE POWER OF PAYCHECK PLANNING SURVIVING THE HOLIDAYS THE WISE USE OF CREDIT RAISING A MONEY-SMART CHILD UNDERSTANDING YOUR CREDIT REPORTS AND SCORES ROADMAP TO FINANCIAL FREEDOM IDENTITY THEFT AWARENESS AND PREVENTION PREDATORY LENDING - DON'T BE A VICTIM! DEALS FOR WHEELS UNDERSTANDING & OVER COMING LOAN DENIAL BASICS OF FINANCIAL PLANNING ESSENTIAL COUPONING PRESERVING HOMEOWNERSHIP, FORECLOSURE PREVENTION (ENGLISH) CONSERVE SU CASA EVITE EL EMBARGO HIPOTECARIO (SPANISH) CONSUMER GUIDE TO GOOD CREDIT (ENGLISH) GUIA DEL CONSUMIDOR PARA BUEN CREDITO (SPANISH)

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	1450 IOWA AVENUE NO 200	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
Total Income	$0	TotalIncomeAmt
End Of Year Assets	$0	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	SPRINGBOARD NONPROFIT CONSUMER	BusinessNameLine1Txt