SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC: Form 990, tax year 2021

View the entire original 990 at ProPublica ↗

Organization: SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC (EIN 33-0656671)
Tax period: 2021-01-01 to 2021-12-31
Filed: 2022-09-19
IRS object ID: 202202629349300035
Schema version: 2021v4.2
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	2022-09-19T12:01:52-05:00	ReturnTs
Tax Period End	2021-12-31	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	2021-01-01	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	MELINDA OPPERMAN	PersonNm
Person Title	PRESIDENT	PersonTitleTxt
Phone	8004318157	PhoneNum
Signature	2022-09-19	SignatureDt

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	MELINDA	PersonFirstNm
Person Last	OPPERMAN	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	KENNETH HPUN	PreparerPersonNm
PTIN	P01443751	PTIN
Phone	9497778800	PhoneNum

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	3	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2021	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	MELINDA OPPERMAN	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	$5,993,379	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 CREDIT EDUCATION, PROMOTE FINANCIAL LITERACY, PROVIDE HOUSING AND COUNSELING SERVICES, RELIEVE THE BURDENS OF GOVERNMENT AND ASSIST INDIVIDUALS IN FINANCIAL DIFFICULTY.	ActivityOrMissionDesc
Voting Members Governing Body	5	VotingMembersGoverningBodyCnt
Voting Members Independent	4	VotingMembersIndependentCnt
Total Employee	65	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$527,459	PYContributionsGrantsAmt
CY Contributions Grants	$2,457,261	CYContributionsGrantsAmt
PY Program Service Revenue	$3,305,688	PYProgramServiceRevenueAmt
CY Program Service Revenue	$2,708,790	CYProgramServiceRevenueAmt
PY Investment Income	$255,091	PYInvestmentIncomeAmt
CY Investment Income	$0	CYInvestmentIncomeAmt
PY Other Revenue	$88,639	PYOtherRevenueAmt
CY Other Revenue	$827,328	CYOtherRevenueAmt
PY Total Revenue	$4,176,877	PYTotalRevenueAmt
CY Total Revenue	$5,993,379	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	$2,723,390	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$3,269,213	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$4,212,448	PYOtherExpensesAmt
CY Other Expenses	$5,574,922	CYOtherExpensesAmt
PY Total Expenses	$6,935,838	PYTotalExpensesAmt
CY Total Expenses	$8,844,135	CYTotalExpensesAmt
PY Revenues Less Expenses	-$2,758,961	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	-$2,850,756	CYRevenuesLessExpensesAmt
Total Assets BOY	$11,029,605	TotalAssetsBOYAmt
Total Assets EOY	$8,795,796	TotalAssetsEOYAmt
Total Liabilities BOY	$2,244,874	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$2,141,337	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$8,784,731	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$6,654,459	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	THE SPECIFIC PURPOSES OF THE CORPORATION SHALL BE TO SERVE THECOMMUNITY AND GENERAL PUBLIC BY PROVIDING EDUCATIONAL COUNSELINGSERVICES RELATING TO PERSONAL FINANCE AND CREDIT REGARDLESS OF ANINDIVIDUAL'S ABILITY TO PAY; THE DEVELOPMENT AND PROVISION OF HOUSINGAND COUNSELING SERVICES FOR THE BENEFIT OF MEMBERS OF AN APPROPRIATECHARITABLE CLASS; RELIEVING THE GOVERNMENTAL BURDENS OF FEDERAL,STATE AND LOCAL GOVERNMENTS AND THEIR POLITICAL SUBDIVIONS; AND BYENGAGING IN OTHER CHARITABLE AND EDUCATIONAL ACTIVITES PERMITTED OFORGANIZATIONS DESCRIBED IN INTERNAL REVENUE CODE 501(C)(3).	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Expense	$430,255	ExpenseAmt
Revenue	$321,339	RevenueAmt
Desc	REVERSE MORTGAGE COUNSELING: REVERSE MORTGAGE OFFERS CLIENTS GUIDANCE AS TO WHETHER A REVERSE MORTGAGE LOAN OPTION IS RIGHT FOR THEM AND, IF SO, HOW TO QUALIFY. IN 2020, OVER 3,400 SESSIONS WERE CONDUCTED.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Expense	$1,203,533	ExpenseAmt
Revenue	$1,386,322	RevenueAmt
Desc	CREDIT AND DEBT COUNSELING: CREDIT.ORG PROVIDES FINANCIAL COACHINGIN THE AREAS OF MONEY MANAGEMENT AND BUDGETING FOR THOSE WITHCREDIT CARD AND OTHER UNSECURED DEBT. ONE POSSIBLE RESULT OF SUCHCOACHING IS ENROLLMENT IN A DEBT MANAGEMENT PROGRAM WHICH IS AMONITORED OR STRUCTURED REPAYMENT PLAN FOR WHICH NOMINAL FEES ARECHARGED.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Expense	$30,717	ExpenseAmt
Revenue	$1,585,430	RevenueAmt
Desc	HOUSING COUNSELING AND EDUCATION: CREDIT.ORG PROVIDES EDUCATION TO FIRST TIMEHOMEBUYERS AND THOSE HOMEOWNERS SEEKING TO AVOID FORECLOSURE.THESE SERVICES ARE MOSTLY PROVIDED AT NO COST AND ARE FUNDED BYFEDERAL GRANTS FROM THE U.S. DEPARTMENT OF HOUSING AND URBANDEVELOPMENT AS WELL AS OTHER PUBLIC AND PRIVATE SOURCES.	Desc

Prog Srvc Accom Acty Other ProgSrvcAccomActyOtherGrp

Field	Value	IRS element (for citing)
Expense	$1,031,077	ExpenseAmt
Revenue	$243,027	RevenueAmt

Field	Value	IRS element (for citing)
Total Other Prog Srvc Expense	$1,031,077	TotalOtherProgSrvcExpenseAmt
Total Other Prog Srvc Revenue	$243,027	TotalOtherProgSrvcRevenueAmt
Total Program Service Expenses	$2,695,582	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	0	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	1	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	65	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	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	MELINDA OPPERMAN	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 (8 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
MELINDA OPPERMAN
PRESIDENT-CEO	60.00	Yes (X)	Yes (X)	$176,000	$0	$13,628
STACIE ANCTIL
DIRECTOR	1.00	Yes (X)		$0	$0	$0
MIKE FRASCHILLA
DIRECTOR	1.00	Yes (X)		$0	$0	$0
MEREDITH CHILLEMI
SECRETARY	1.00	Yes (X)		$0	$0	$0
ETHAN HORN
TREASURER	1.00	Yes (X)		$0	$0	$0
JAMIE DEASON
EXECUTIVE VICE PRESIDENT	50.00			$179,800	$0	$14,376	Yes (X)
ANGEL CAPALBO
SVP, PROGRAM MANAGEMENT	40.00			$162,161	$0	$14,654		Yes (X)
GLADYS REIMERS
SVP OF COUNSELING SERVICES	40.00			$128,000	$0	$5,977		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$645,961	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$48,635	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	4	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (3 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	$2,918,580
G&M HIRE ENTERPRISES LLC
27720 JEFFERSON AVENUE SUITE 130	TEMECULA	CA	92590	TEMPORARY STAFFING AGENCY	$312,540
SPERIDIAN TECHNOLOGIES
2400 LOUISIANA BOULEVARD BUILDING	ALBUQUERQUE	NM	87110	SOFTWARE PROVIDER	$229,032

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	3	CntrctRcvdGreaterThan100KCnt
Government Grants	$1,914,590	GovernmentGrantsAmt
All Other Contributions	$542,671	AllOtherContributionsAmt
Total Contributions	$2,457,261	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
CREDIT COUNSELING AND	611600	$1,087,259	$1,087,259
STATE PROGRAM ADMINIST	611600	$876,695	$876,695
DEBT MANAGEMENT PLAN F	611600	$708,771	$708,771
BANKRUPTCY COUNSELING	611600	$31,814	$31,814
RENTAL COUNSELING	611600	$4,251	$4,251

Field	Value	IRS element (for citing)
Total Program Service Revenue	$2,708,790	TotalProgramServiceRevenueAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	OTHER REVENUE	Desc
Business	900099	BusinessCd
Total Revenue Column	$827,328	TotalRevenueColumnAmt
Related Or Exempt Func Income	$827,328	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$827,328	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$5,993,379	TotalRevenueColumnAmt
Related Or Exempt Func Income	$3,536,118	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$2,687,227	TotalAmt
Program Services	$1,493,068	ProgramServicesAmt
Management And General	$1,194,159	ManagementAndGeneralAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$581,986	TotalAmt
Program Services	$356,537	ProgramServicesAmt
Management And General	$225,449	ManagementAndGeneralAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$100,280	TotalAmt
Program Services	$31,567	ProgramServicesAmt
Management And General	$68,713	ManagementAndGeneralAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$79,984	TotalAmt
Program Services	$550	ProgramServicesAmt
Management And General	$79,434	ManagementAndGeneralAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$341,782	TotalAmt
Program Services	$398	ProgramServicesAmt
Management And General	$341,384	ManagementAndGeneralAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$8,596	TotalAmt
Program Services	$1,592	ProgramServicesAmt
Management And General	$7,004	ManagementAndGeneralAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$95,683	TotalAmt
Program Services	$62	ProgramServicesAmt
Management And General	$95,621	ManagementAndGeneralAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$377,030	TotalAmt
Program Services	$30,513	ProgramServicesAmt
Management And General	$346,517	ManagementAndGeneralAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$99,350	TotalAmt
Management And General	$99,350	ManagementAndGeneralAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt	Management And GeneralManagementAndGeneralAmt
OUTSIDE SUPPORT SERVICE	$2,810,890	$127,899	$2,682,991
SOFTWARE MAINTENANCE AN	$305,869	$22,478	$283,391
TEMPORARY STAFF (NON-EM	$302,656	$127,155	$175,501
COMMUNICATION	$273,847	$26,734	$247,113

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$778,955	TotalAmt
Program Services	$477,029	ProgramServicesAmt
Management And General	$301,926	ManagementAndGeneralAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$8,844,135	TotalAmt
Program Services	$2,695,582	ProgramServicesAmt
Management And General	$6,148,553	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$502,551	BOYAmt
EOY	$1,276,467	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$203,339	BOYAmt
EOY	$510,968	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$826,201	BOYAmt
EOY	$71,781	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$62,891	BOYAmt
EOY	$79,640	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$6,945,764	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$5,850,662	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$1,297,990	BOYAmt
EOY	$1,095,102	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$8,128,853	BOYAmt
EOY	$5,731,839	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$7,780	BOYAmt
EOY	$29,999	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$11,029,605	BOYAmt
EOY	$8,795,796	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$693,579	BOYAmt
EOY	$655,651	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$631,008	BOYAmt
EOY	$543,667	EOYAmt

Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp

Field	Value	IRS element (for citing)
BOY	$150,000	BOYAmt
EOY	$150,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$770,287	BOYAmt
EOY	$792,019	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$2,244,874	BOYAmt
EOY	$2,141,337	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	$8,784,731	BOYAmt
EOY	$6,654,459	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$8,784,731	BOYAmt
EOY	$6,654,459	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$11,029,605	BOYAmt
EOY	$8,795,796	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	-$2,850,756	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$720,484	NetUnrlzdGainsLossesInvstAmt
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)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

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	$3,174,792	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$1,734,879	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$352,962	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$527,459	CurrentTaxYearMinus1YearAmt
Current Tax Year	$2,457,261	CurrentTaxYearAmt
Total	$8,247,353	TotalAmt

Gross Receipts Admissions GrossReceiptsAdmissionsGrp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$21,722,892	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$17,517,117	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$14,372,468	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$3,394,327	CurrentTaxYearMinus1YearAmt
Current Tax Year	$3,536,118	CurrentTaxYearAmt
Total	$60,542,922	TotalAmt

Total509 Total509Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$24,897,684	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$19,251,996	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$14,725,430	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$3,921,786	CurrentTaxYearMinus1YearAmt
Current Tax Year	$5,993,379	CurrentTaxYearAmt
Total	$68,790,275	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)
Current Tax Year Minus4 Years	$2,977,473	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$9,221,961	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$19,462	CurrentTaxYearMinus2YearsAmt
Total	$12,218,896	TotalAmt

Subst And Dsqlfy Prsns Tot SubstAndDsqlfyPrsnsTotGrp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$2,977,473	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$9,221,961	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$19,462	CurrentTaxYearMinus2YearsAmt
Total	$12,218,896	TotalAmt

Field	Value	IRS element (for citing)
Public Support Total509	$56,571,379	PublicSupportTotal509Amt

Gross Investment Income509 GrossInvestmentIncome509Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$107,234	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$155,668	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$230,472	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$255,091	CurrentTaxYearMinus1YearAmt
Total	$748,465	TotalAmt

Investment Income And UBTI InvestmentIncomeAndUBTIGrp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$107,234	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$155,668	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$230,472	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$255,091	CurrentTaxYearMinus1YearAmt
Total	$748,465	TotalAmt

Total Support Calendar Year TotalSupportCalendarYearGrp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$25,004,918	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$19,407,664	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$14,955,902	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$4,176,877	CurrentTaxYearMinus1YearAmt
Current Tax Year	$5,993,379	CurrentTaxYearAmt
Total	$69,538,740	TotalAmt

Field	Value	IRS element (for citing)
Public Support CY509	0.81350	PublicSupportCY509Pct
Public Support PY509	0.82370	PublicSupportPY509Pct
Investment Income CY	0.01080	InvestmentIncomeCYPct
Investment Income PY	0.00950	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	$612	DepreciationAmt
Book Value	$4,526	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,094,237	OtherCostOrOtherBasisAmt
Depreciation	$1,247,525	DepreciationAmt
Book Value	$846,712	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$48,972	OtherCostOrOtherBasisAmt
Depreciation	$17,261	DepreciationAmt
Book Value	$31,711	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,797,417	OtherCostOrOtherBasisAmt
Depreciation	$4,585,264	DepreciationAmt
Book Value	$212,153	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$1,095,102	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	DEFERRED REVENUE	Desc
Amt	$792,019	Amt

Field	Value	IRS element (for citing)
Total Liability	$792,019	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$6,704,419	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	$720,484	NetUnrealizedGainsInvstAmt
Other Revenue	-$9,444	OtherRevenueAmt
Revenue Not Reported	$711,040	RevenueNotReportedAmt
Revenue Subtotal	$5,993,379	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$5,993,379	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$8,834,692	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$8,834,692	ExpensesSubtotalAmt
Other Expenses Not Included	$9,444	OtherExpensesNotIncludedAmt
Expenses Not Rpt Fincl Stmt	$9,444	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$8,844,136	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART X, LINE 2:	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 $2,814 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, 2021, THERE WAS NO UNCERTAIN TAX POSITION. MANAGEMENT BELIEVES THAT THE ORGANIZATION IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR THE YEARS PRIOR TO 2015.
PART XI, LINE 2D - OTHER ADJUSTMENTS:	INTEREST INCOME/ EXPENSE -9,444.
PART XII, LINE 4B - OTHER ADJUSTMENTS:	INTEREST INCOME/EXPENSE 9,444.

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 (3 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
JAMIE DEASON
EXECUTIVE VICE PRESIDENT	$179,800	$0	$0	$0	$0	$0	$6,462	$0	$7,914	$0	$194,176	$0	$0	$0
MELINDA OPPERMAN
PRESIDENT-CEO	$176,000	$0	$0	$0	$0	$0	$6,283	$0	$7,345	$0	$189,628	$0	$0	$0
ANGEL CAPALBO
SVP, PROGRAM MANAGEMENT	$162,161	$0	$0	$0	$0	$0	$0	$0	$14,654	$0	$176,815	$0	$0	$0

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 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	FORM 990, PART I, SUMMARY ESTABLISHED IN 1974, SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT, INC. D/B/A 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 SEGMENTS OF THE COMMUNITY, REGARDLESS OF THEIR 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 ("COA"), A NATIONALLY RECOGNIZED INDEPENDENT ACCREDITING BODY SIGNIFYING THE HIGHEST STANDARDS FOR AGENCY GOVERNANCE, FISCAL INTEGRITY, COUNSELOR CERTIFICATION, AND SERVICE DELIVERY POLICIES. CREDIT.ORG'S TARGET POPULATION IS PREDOMINATELY LOW-TO-MODERATE INCOME ("LMI") LEVEL HOUSEHOLDS WHICH COMPRISED APPROXIMATELY 60% OF THE ORGANIZATION'S COUNSELED CLIENTELE IN 2021. APPROXIMATELY 53% OF THE AGENCY'S CLIENTS COUNSELED IN 2021 IDENTIFIED AS MINORITIES. DURING THEIR SESSION 27% OF OUR CLIENTS CHOOSE NOT TO PROVIDE US WITH THEIR RACE AND/OR ETHNICITY, AFTER REMOVING THOSE THAT CHOSE NOT TO RESPOND, WE FOUND THAT 53% IDENTIFIED AS RACIAL AND ETHNIC MINORITY PERSONS. DURING THEIR SESSION, ALL CLIENTS PROVIDED US WITH THEIR LEVEL OF INCOME, AND 60.31% OF THE CLIENTS WE SERVED WERE FROM LMI HOUSEHOLDS. FIGURES DO NOT INCLUDE PRE-BANKRUPTCY COUNSELING, PRE-DISCHARGE DEBTOR EDUCATION, OR WORKSHOPS. IN 2021, CREDIT.ORG PROVIDED DIRECT SERVICES TO AN ESTIMATED 31,793 CONSUMERS, INCLUDING 12,913, IN FINANCIAL LITERACY AND EDUCATION PROGRAMS; 7,534 IN HOUSING COUNSELING; 6,990 IN CREDIT COUNSELING AND DEBT MANAGEMENT PROGRAMS; 3,300 IN A WEB-BASED HOMEBUYER EDUCATION COURSE AND A ONE-ON-ONE ADVISORY SESSION TO ADDRESS THE INDIVIDUAL'S UNIQUE HOUSING GOALS; 894 IN CALIFORNIA'S COVID-19 RENTAL RELIEF PROGRAM AND 162 IN OUR RENT4SUCCESS RENTAL COUNSELING PLATFORM. FORM 990, PART III, STATEMENT OF PROGRAM SERVICE ACCOMPLISHMENTS 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 2021, THESE EFFORTS RESULTED IN 597,175 TOTAL NEW VISITORS TO CREDIT.ORG'S EDUCATIONAL SITE, AND 702,776 UNIQUE WEBSITE VISITS. EXCLUDING OUR NON-EDUCATIONAL PAGES, 407,219 ONLINE VISITORS ACCESSED OUR EDUCATIONAL CONTENT, TOOLS, AND VARIOUS OTHER FINANCIAL RESOURCES 458,478 TIMES. IN FURTHERANCE OF ITS EXEMPT MISSION, CREDIT.ORG UNDERTOOK THE FOLLOWING EXEMPT PURPOSE 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, WITH THE EXCEPTION OF PRE-BANKRUPTCY COUNSELING, PRE-DISCHARGE DEBTOR EDUCATION, PRE-PURCHASE HOMEBUYER EDUCATION, CREDIT REPORT REVIEW, SOME HOMEBUYER EDUCATION COURSES, AND REVERSE MORTGAGE COUNSELING FOR WHICH A MINIMAL CHARGE IS MADE. AND WITH RESPECT TO THESE FEE SERVICES, CREDIT.ORG COACHES/COUNSELORS HAVE ALWAYS HAD 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 2021, CREDIT.ORG WAIVED AND REDUCED FEES TOTALING $4,397 FOR 36 DEBTOR-EDUCATION FINANCIAL SESSIONS AND 70 PRE-BANKRUPTCY COUNSELING SESSIONS. "HOUSING COUNSELING CREDIT.ORG IS APPROVED BY THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT AS A COMPREHENSIVE HOUSING COUNSELING AGENCY AND PROVIDES FIRST-TIME HOMEBUYER EDUCATION, LANDLORD/TENANT RENTAL COUNSELING, PRE-PURCHASE AND POST-HOME BUYER COUNSELING, AS WELL AS 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. THE COUNSELING SERVICE INCLUDES THE CREATION OF A STEP-BY-STEP PERSONALIZED BUDGET, TIPS TO HELP STICK TO IT, AND AN ACTION PLAN AND OPTIONS TO HELP COUNSELEES MANAGE THEIR FINANCES MORE EFFECTIVELY. "DEBT MANAGEMENT PLAN CREDIT.ORG OFFERS A DEBT REPAYMENT PLAN (I.E. DEBT MANAGEMENT PLAN ["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 2021, THE CREDIT.ORG TEAM CONDUCTED 79 WORKSHOPS AND EDUCATED 856 CONSUMERS IN "LIVE" VIRTUAL SETTINGS (ZOOM, ETC.). WITH VIRTUAL TECHNOLOGY, WE REACHED CONSUMERS BEYOND OUR TRADITIONAL REACH OF SOUTHERN CALIFORNIA WHEN WE WERE RESTRICTED TO BRICK-AND-MORTAR VENUES. THROUGH THE FINANCIAL INSTRUCTIONAL TRAINING ("FIT") ACADEMY, THE AGENCY'S E-LEARNING DISTANCE EDUCATION PORTAL, 11,265 CONSUMERS SIGNED ON TO GAIN IMPORTANT FINANCIAL KNOWLEDGE VIA THE FINANCIAL LITERACY PLATFORM. IN TOTAL, THE TEAM PROVIDED FINANCIAL EDUCATION TO 12,121 CONSUMERS. AWARD-WINNING EDUCATION THE ORGANIZATION HAS RECEIVED MORE THAN A DOZEN AWARDS IN THE FINANCIAL LITERACY FIELD, INCLUDING SIX NATIONAL EDUCATION AND COUNSELOR OF THE YEAR AWARDS, AND BEING TWICE HONORED BY THE UNITED WAY WITH THEIR COMMUNITY INITIATIVE PARTNER AWARD, FOR OUR ACCOMPLISHMENT IN THE PURSUIT OF EXCELLENCE AND PROMOTION OF CONSUMER FINANCIAL HEALTH. MOBILE OUTREACH VALUABLE EDUCATION ("MOVE") CREDIT.ORG PROVIDES AND PROMOTES FINANCIAL LITERACY EDUCATION THROUGH CLASSES AND WORKSHOPS THROUGH CREDIT.ORG'S MOVE INITIATIVE. THE INITIATIVE IS CREDIT.ORG'S "TAKE IT TO THE STREETS" STRATEGY. THE EFFORT SERVES THE COMMUNITY BY CONDUCTING WORKSHOPS FOR MOSTLY LOW-TO-MODERATE-INCOME ATTENDEES IN VIRTUAL OR IN-PERSON FACE-TO-FACE SETTINGS, IN ENGLISH AND/OR SPANISH. THROUGH CREDIT.ORG'S MOVE INITIATIVE THE AGENCY TRAVELS TO SOCIAL SERVICE ORGANIZATIONS, COMMUNITY GROUPS, SCHOOL OR COLLEGE CAMPUSES, MILITARY BASES, AND BUSINESSES TO CONDUCT FACE-TO-FACE FINANCIAL LITERACY SEMINARS IN COMMUNITY VENUES. DUE TO THE COVID-19 PANDEMIC, OUR MOVE WORKSHOPS TRANSITIONED FROM ON-SITE IN-PERSON FACE-TO-FACE WORKSHOPS TO VIRTUAL WORKSHOPS HELD LIVE VIA ZOOM, WEBEX, ETC. PLATFORMS. THE PARTICIPANTS ARE MOSTLY FROM LMI HOUSEHOLDS AND ARE EDUCATED ON SUCH TOPICS AS BUDGETING, MONEY MANAGEMENT, HOME PRESERVATION FORECLOSURE PREVENTION, UNDERSTANDING CREDIT REPORTS AND SCORES, AND IDENTITY THEFT PREVENTION. FIT ACADEMY EDUCATIONAL OUTREACH IN 2021, CREDIT.ORG REACHED 11,265 PARTICIPANTS VIA OUR FIT ACADEMY, AN ONLINE FINANCIAL EDUCATION CENTER DESIGNED TO HELP CONSUMERS BECOME MORE KNOWLEDGEABLE ABOUT FINANCIAL MATTERS AND OFFER THE OPPORTUNITY FOR CONSUMERS TO EXPAND THEIR KNOWLEDGE AND UNDERSTANDING OF MONEY MATTERS FROM THE PRIVACY OF THEIR HOMES WHILE WORKING AT THEIR OWN PACE. THE STATISTICAL ANALYSIS OF THE PRE AND POST-TESTS OF THE FIT PARTICIPANTS REFLECTS AN AVERAGE PERCENTAGE INCREASE OF 27% IN KNOWLEDGE GAINED. IN THE LAST QUARTER OF 2021, THE PRE-TEST AVERAGE WAS 71% AND THE AVERAGE POST-TEST WAS 91%, WHICH TRANSLATES TO AN AVERAGE GRADE GOING FROM A "C-" TO "A-". AT THE COMPLETION OF THE CLASS, EACH PARTICIPANT RECEIVES RECOGNITION VIA A DOCUMENT OF ACHIEVEMENT. THE FIT ACADEMY HAS REACHED OVER 45,265 PARTICIPANTS IN THE LAST EIGHT YEARS. "AMERICA SAVES WEEK 2021" AMERICA SAVES IS A MOVEMENT THAT ENCOURAGES FISCAL RESPONSIBILITY, SAVING, AND FINANCIAL LITERACY. CREDIT.ORG SUPPORTED THE NATIONAL, SOCIAL MARKETING CAMPAIGN "AMERICA SAVES WEEK 2021", THE GOAL OF THIS PROGRAM IS TO PROMOTE AWARENESS OF THE NEED FOR GOOD SAVING HABITS, 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).
FORM 990, PART I, SUMMARY (CONTINUE)	ITEM C - FREE EDUCATIONAL MATERIALS AVAILABLE TO THE PUBLIC "CREDIT.ORG NEWSLETTER THE WEEKLY NEWSLETTER IS SENT OUT TO A MIX OF OPT-IN EMAILS (THESE PEOPLE SIGNED UP TO RECEIVE IT ON CREDIT.ORG'S WEBSITE), AS WELL AS CLIENTS THAT HAVE RECEIVED COUNSELING. THE NEWSLETTER AUTHORED BY THE AGENCY COVERS A VARIETY OF WAYS TO SAVE MONEY IN MANY AREAS OF EVERYDAY LIFE, INCLUDING FOOD, ENTERTAINMENT, CELEBRATIONS, AND HOME IMPROVEMENTS. THE ARTICLES FROM THE NEWSLETTER ARE CATALOGED ON THE AGENCY'S WEBSITE AND AVAILABLE FOR FREE. "FINANCIAL LITERACY WORKSHEETS CREDIT.ORG AUTHORED A LIBRARY OF BUDGETING WORKSHEETS TO HELP CONSUMERS MANAGE THEIR PERSONAL FINANCES. AVAILABLE FOR FREE DOWNLOAD FROM THE AGENCY'S WEBSITE. "CREDIT.ORG'S PUBLICATIONS AUTHORED BY THE AGENCY AND AVAILABLE FOR FREE, INCLUDE: 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	$847,634	TotalIncomeAmt
End Of Year Assets	$631,328	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

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