2014-08-14T14:18:50-05:00 2013-12-31 Marcum LLP 1920 Main Street Suite 950 Irvine CA 926148216 990 2013-01-01 330656671 Springboard Nonprofit Consumer Credit Management Inc % TODD EMERSON SPRI 9517797724 4351 Latham Street Suite Riverside CA 925011749 TODD EMERSON PRESIDENT 9492365000 2014-08-14 true Jayson M Morgan 9492365600 2014-08-12 2013 2015-11-30 17:44:51Z TODD EMERSON 4351 LATHAM STREET RIVERSIDE CA 92501 30194501 false X WWW.SPRINGBOARD.ORG X 1974 CA TO PROVIDE CREDIT EDUCATION, PROMOTE FINANCIAL LITERACY, PROVIDE HOUSING AND COUNSELING SERVICES, RELIEVE THE BURDENS OF GOVT AND ASSIST INDIVIDUALS IN FINANCIAL DIFFICULTY. 10 9 342 0 0 0 4809444 6362070 23827362 23523838 71122 224733 32581 83860 28740509 30194501 0 0 0 0 22171542 23327707 0 0 546927 7733640 7271326 29905182 30599033 -1164673 -404532 12865786 13209585 3763298 4453630 9102488 8755955 X THE SPECIFIC PURPOSES OF THE CORPORATION SHALL BE TO SERVE THE COMMUNITY AND GENERAL PUBLIC BY PROVIDING EDUCATIONAL COUNSELING SERVICES RELATING TO PERSONAL FINANCE AND CREDIT REGARDLESS OF AN INDIVIDUAL'S ABILITY TO PAY; THE DEVELOPMENT AND PROVISION OF HOUSING AND COUNSELING SERVICES FOR THE BENEFIT OF MEMBERS OF AN APPROPRIATE CHARITABLE CLASS; RELIEVING THE GOVERNMENTAL BURDENS OF FEDERAL, STATE AND LOCAL GOVERNMENTS AND THEIR POLITICAL SUBDIVIONS; AND BY ENGAGING IN OTHER CHARITABLE AND EDUCATIONAL ACTIVITES PERMITTED OF ORGANIZATIONS DESCRIBED IN INTERNAL REVENUE CODE 501(C)(3). false false 16402061 17496597 Central Processing Services: Springboard has been awarded with several counseling and document processing contracts by various state agencies which enables Springboard to leverage its core foundation of people, processes and technology to help carry out government programs. Springboard's services include triage, data collection, processing and decisioning. 3034761 6092141 Housing Education: Springboard is approved by the U.S. Department of Housing and Urban Development ("HUD") as a regional intermediary, and is one of the nation's leading nonprofit housing counseling agencies helping troubled homeowners seek solutions to foreclosure. Springboard was also a founding counseling partner of the Homeownership Preservation Foundation ("HPF"), a network of nonprofit organizations helping distressed homeowners navigate their budgets and avoid foreclosure. HPF is partnered with, and endorsed by numerous major agencies including HUD, U.S. Department of Treasury, Fannie Mae, Freddie Mac, NeighborWorks America, and various mortgage servicers. 932372 1474474 Bankruptcy Counseling: In 2005, Springboard was one of first agencies approved by the Executive Office for U.S. Trustees ("EOUST") to provide required pre-petition credit counseling and post-filing debtor education for individuals considering bankruptcy. In 2011, Springboard was approved by the U.S. Bankruptcy Administrators of North Carolina and Alabama to provide similar services in districts not covered by the EOUST. This type of counseling is a landmark opportunity to assist and educate individuals who need a budget analysis as well as an exploration of options so they can carefully consider the appropriate actions to take. 6634624 OTHER 6634624 27003818 true true false false false false false false true false true false false false true false true false false false false false false false false false false false false true false false false false false false false false false false false false false false false false false true 101 0 true 342 true true true false false false false false false false false false false false false false false X 10 9 false false false false false false false true true false true true true true true true true true true true false AL AZ AR CA CT FL GA IL KS KY MD MA MI MN MO NH NJ NM NY NC OH OK OR PA RI SC TN UT VA WV WI X X TODD EMERSON 9517810114 4351 LATHAM STREET RIVERSIDE CA 92501 STACIE ANCTIL DIRECTOR 1.0 X STEVEN CLARK DIRECTOR 1.0 X DENIS GITSCHIER DIRECTOR 1.0 X SONNY SARABIA DIRECTOR 1.0 X MIKE FRASCHILLA DIRECTOR 1.0 X MEREDITH CHILLEMI SECRETARY 1.0 X 0 0 0 ETHAN HORN TREASURER 1.0 X 0 0 0 REV STEVENS WRIGHT CHAIRPERSON 1.0 X 0 0 0 CURTIS PARADZICK VICE CHAIRPERSON 1.0 X 0 0 0 TODD EMERSON PRESIDENT & CEO 60.0 X 358459 7500 JOANNE CORDERO SR. VP ADMINISTRATION 60.0 X 151627 12855 AARON HORVATH EXECUTIVE VICE PRESIDENT 60.0 X 240783 17158 JAMIE DEASON SR. VP OF OPERATIONS 60.0 X 194270 11154 MELINDA OPPERMAN SR. VP COMMUNITY OUTREACH 60.0 X 132550 10975 LYLE LANSDELL EXECUTIVE VICE PRESIDENT 60.0 X 183105 12991 JUSTIN WALLER VP OUTSOURCED SOLUTIONS 50.0 X 166549 10061 SCOTT KOTULA SR. OPERATIONS MANAGER 50.0 X 105618 7640 SUZANNE KAUFMAN SR. OPERATIONS MANAGER 50.0 X 117543 10961 RAJESH THAYI TECHNOLOGY DIRECTOR 50.0 X 142051 10925 JACOB SMITH SOFTWARE PRODUCT MANAGER 50.0 X 150000 8676 1942555 0 120896 11 false true false SPERIDIAN TECHNOLOGIES 2021 GIRARD BLVD SE200 ALBUQUERQUE NM 87106 IT MANAGEMENT 1210646 KAISER PERMANENTE FILE 5915 LOS ANGELES CA 90074 HEALTH SERVICES 399257 APPLEONE 3801 University Ave 175 RIVERSIDE CA 92501 STAFFING 323392 REPUBLIC INDEMNITY PO BOX 20036 ENCINO CA 91416 INSURANCE 547271 AEROTEK 4200 Concours St 300 ONTARIO CA 91764 STAFFING 103795 8 5268563 1093507 6362070 PRE-BANKRUPTCY SESSION 611600 508725 508725 DEBTOR EDUCATION SESSION 611600 317633 317633 FEES EARNED 611600 20448873 20448873 HOUSING EDUCATION 611600 2175314 2175314 SOFTWARE DEVELOPMENT 611600 500 500 72793 72793 23523838 224733 224733 0 0 0 0 0 0 0 0 0 OTHER REVENUE 900099 83860 83860 83860 30194501 23607698 224733 0 0 0 0 1260794 1260794 0 22066913 20912957 765583 388373 0 0 0 0 163626 135127 21817 6682 0 0 0 0 0 484431 440565 25812 18054 0 0 0 0 394642 47143 213681 133818 0 0 81861 56314 25547 0 818451 579716 238735 102861 82258 20603 LEASED EQUIPMENT 98011 79403 18608 BANK CHARGES 76032 50339 25693 PROFESSIONAL SERVICES 749126 672841 76285 STAFF DEVELOPMENT 115750 104768 10982 4186535 3842387 344148 30599033 27003818 3048288 546927 1247498 1432596 228602 7987 4631204 5279939 0 0 0 0 0 0 0 0 0 0 44628 22620 9637339 5783070 4242793 3854269 2325260 2395787 0 0 0 0 17903 15564 127898 200823 12865786 13209585 2454193 2686276 0 0 0 0 0 0 28601 7987 0 0 1152606 1323873 0 0 127898 435494 3763298 4453630 X 9102488 8755955 0 0 0 0 9102488 8755955 12865786 13209585 -404532 57999 X false true X true true true X 11225648 8955229 8637299 4809444 6362070 39989690 5862211 9391342 18094609 23827362 23523838 80699362 0 0 0 17087859 18346571 26731908 28636806 29885908 120689052 0 5690834 6102681 6453201 3745938 4870853 26863507 5690834 6102681 6453201 3745938 4870853 26863507 93825545 49841 27344 59104 71122 224733 432144 0 49841 27344 59104 71122 224733 432144 0 83860 83860 17137700 18373915 26791012 28707928 30194501 121205056 0.77411 0.73554 0.00357 0.00278 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false true 400000 400000 2496604 1073901 1422703 465587 160885 304702 1422584 955613 466971 4429473 3203804 1225669 3820045 0 DEFERRED COMPENSATION 200823 CAPITAL LEASE 115769 UNEARNED REVENUE 118902 435494 30252500 57999 57999 30194501 30194501 30599033 30599033 30599033 PART IV, LINE 2B CLIENTS' FUNDS HELD IN TRUST 7,987. SCHEDULE D, PAGE 2, VI - OTHER ASSET CLASS DETAIL: AUTOMOBILES COSTS 28,552 CAPITAL LEASE COSTS 437,155 SOFTWARE COSTS 3,972,369 ========== TOTAL 4,438,076 AUTOMOBILES ACCUM DEPRE <28,552> CAPITAL LEASE ACCUM DEPRE <442,354> SOFTWARE ACCUM DEPRE <2,905,211> ============ TOTAL <3,376,117> SCHEDULE D, PAGE 4, PART XII: UNREALIZED GAIN ON INVESTMENT 57,999. X true true X X X X X X false true false false false false false false false JUSTIN WALLER VP OUTSOURCED SOLUTIONS 166549 0 0 4406 6967 177922 JOANNE CORDERO SR. VP ADMINISTRATION 151627 0 0 2199 11881 165707 AARON HORVATH EXECUTIVE VICE PRESIDENT 240783 0 0 7500 11413 259696 JAMIE DEASON SR. VP OF OPERATIONS 194270 0 0 6125 6644 207039 LYLE LANSDELL EXECUTIVE VICE PRESIDENT 183105 0 0 7500 6757 197362 RAJESH THAYI TECHNOLOGY DIRECTOR 142051 0 0 1303 9790 153144 TODD EMERSON PRESIDENT & CEO 358459 0 0 7500 1848 367807 JACOB SMITH SOFTWARE PRODUCT MANAGER 150000 0 0 0 8818 158818 PART I, LINE 1A FIRST CLASS AIR TRAVEL: FIRST CLASS FLIGHTS WERE AVAILABLE TO THE COMPANY CEO FOR THE PURPOSE OF BUSINESS NECESSITATED TRAVEL INVOLVING FLIGHT TIMES OF 2.5 HOURS OR MORE. PART I, LINE 4B SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN: Springboard has entered into a Supplemental Deferred Compensation Agreement with Todd Emerson, its President and Chief Executive Officer, which is an arrangement providing deferred compensation under Section 457(f) of the Internal Revenue Code. As indicated for Todd Emerson in this form 990, Part VII, Section A, Line 1A, Column (F) and in Part II, Column (C) of this schedule J, Mr. Emerson has been credited this year wtih $7,500 under the supplemental deferred compensation agreement. However, generally, all amounts credited to his account are forfeitable unless and until Mr. Emerson completes the term of his employment. FORM 990, PART VI, SECTION B, LINE 11: 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 GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC BY WRITTEN REQUEST. FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:OFFICE SUPPLIES TOTAL EXPENSES:194265 PROGRAM SERVICES:170313 MANAGEMENT AND GENERAL:23952 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:TAXES & LICENSE TOTAL EXPENSES:63918 PROGRAM SERVICES:47263 MANAGEMENT AND GENERAL:16655 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:DUE DILIGENCE COSTS TOTAL EXPENSES:70716 PROGRAM SERVICES:70716 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:CLIENTS' FUND REIMBURSED TOTAL EXPENSES:5530 PROGRAM SERVICES:5530 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:CREDIT REPORT COSTS TOTAL EXPENSES:40000 PROGRAM SERVICES:40000 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:BAD DEBT TOTAL EXPENSES:26434 PROGRAM SERVICES:26434 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:COMMUNICATION TOTAL EXPENSES:586513 PROGRAM SERVICES:540067 MANAGEMENT AND GENERAL:46446 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:EQUIPMENT COSTS TOTAL EXPENSES:833801 PROGRAM SERVICES:722984 MANAGEMENT AND GENERAL:110817 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:POSTAGE TOTAL EXPENSES:69909 PROGRAM SERVICES:56138 MANAGEMENT AND GENERAL:13771 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:SUBGRANTEE COSTS TOTAL EXPENSES:44552 PROGRAM SERVICES:44552 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:TRANSACTION/PROCESSING TOTAL EXPENSES:1124600 PROGRAM SERVICES:1124600 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:EDUCATION MATERIALS TOTAL EXPENSES:160269 PROGRAM SERVICES:160269 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:MERCHANT FEES TOTAL EXPENSES:46747 PROGRAM SERVICES:46747 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:FACILITIES COSTS TOTAL EXPENSES:900570 PROGRAM SERVICES:774562 MANAGEMENT AND GENERAL:126008 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:DOCUMENT STORAGE TOTAL EXPENSES:3720 MANAGEMENT AND GENERAL:3720 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:MEMBERSHIP DUES TOTAL EXPENSES:13755 PROGRAM SERVICES:10976 MANAGEMENT AND GENERAL:2779 FORM 990 PART IX LINE 24 - OTHER EXPENSES DESCRIPTION:PROGRAM ALLOCATIONS TOTAL EXPENSES:1236 PROGRAM SERVICES:1236