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← RUSHMORE CONSUMER CREDIT RESOURCE CENTER

Form 990 for tax year 2024

Filed by RUSHMORE CONSUMER CREDIT RESOURCE CENTER.

Totals

Total revenue
$861,678
Total expenses
$351,940
Contributions and grants received
$226,358
Grants paid
$540
Program service revenue
$40,414
Investment income
$509,890
Other revenue
$85,016
Total assets, end of year
$1,518,381
Total liabilities, end of year
$101,116
Net assets or fund balances, end of year
$1,417,265
Program services expenses (Part IX)
$266,939
Management and general expenses
$85,001
Fundraising expenses
$0
Program service expenses (Part III)
$266,939

Program services were 75.8% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

  • 1a · Federated campaigns

    $20,000

  • 1e · Government grants (contributions)

    $165,965

  • 1f · All other contributions, gifts and grants

    $40,393

  • 2a · Program service revenue: DEBT MANAGEMENT PROGRAM

    total $40,414 · related or exempt $40,414

  • 3 · Investment income

    total $47,936 · excluded $47,936

  • 6a · Gross rents

    real property $1,518

  • 6c · Rental income or loss

    real property $1,518

  • 6d · Net rental income or loss

    total $1,518 · excluded $1,518

  • 7a · Gross sales of assets other than inventory

    other assets $1,285,000

  • 7b · Less cost or other basis and sales expenses

    other assets $823,046

  • 7c · Gain or loss

    other assets $461,954

  • 7d · Net gain or loss

    total $461,954 · excluded $461,954

  • 10a · Gross sales of inventory

    $91,206

  • 10b · Cost of goods sold

    $9,138

  • 10c · Net income from sales of inventory

    total $82,068 · related or exempt $82,068

  • 11a · Other revenue: MISCELLANEOUS REVENUE

    total $1,430 · excluded $1,430

  • 11e · Other revenue, total

    $1,430

Functional expenses

Part IX, the statement of functional expenses.

  • 2 · Grants to domestic individuals

    total $540 · program services $540

  • 5 · Compensation of officers, directors and key employees

    total $84,728 · program services $63,546 · management and general $21,182

  • 7 · Other salaries and wages

    total $109,400 · program services $91,741 · management and general $17,659

  • 9 · Other employee benefits

    total $8,213 · program services $6,587 · management and general $1,626

  • 10 · Payroll taxes

    total $14,564 · program services $11,566 · management and general $2,998

  • 11c · Fees: accounting

    total $19,713 · management and general $19,713

  • 11g · Fees: other

    total $14,275 · program services $10,332 · management and general $3,943

  • 12 · Advertising and promotion

    total $866 · program services $866

  • 13 · Office expenses

    total $12,552 · program services $9,989 · management and general $2,563

  • 16 · Occupancy

    total $50,092 · program services $38,926 · management and general $11,166

  • 17 · Travel

    total $2,497 · program services $2,497

  • 19 · Conferences, conventions and meetings

    total $1,566 · program services $1,280 · management and general $286

  • 20 · Interest

    total $341 · program services $275 · management and general $66

  • 22 · Depreciation, depletion and amortization

    total $3,967 · program services $3,174 · management and general $793

  • 23 · Insurance

    total $12,904 · program services $10,323 · management and general $2,581

  • 24a · Other expenses: DUES

    total $14,283 · program services $14,283

  • 24b · Other expenses: MISCELLANEOUS

    total $1,439 · program services $1,014 · management and general $425

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $70,504 · end of year $62,472

  • 2 · Savings and temporary cash investments

    beginning of year $253,046 · end of year $1,314,066

  • 3 · Pledges and grants receivable

    beginning of year $36,728 · end of year $57,423

  • 4 · Accounts receivable

    beginning of year $1,416 · end of year $3,679

  • 8 · Inventories for sale or use

    beginning of year $19,463 · end of year $14,109

  • 9 · Prepaid expenses and deferred charges

    beginning of year $795 · end of year $267

  • 10a · Land, buildings and equipment: cost or other basis

    $45,326

  • 10b · Land, buildings and equipment: accumulated depreciation

    $42,992

  • 10c · Land, buildings and equipment, net

    beginning of year $744,322 · end of year $2,334

  • 15 · Other assets

    end of year $64,031

  • 17 · Accounts payable and accrued expenses

    beginning of year $34,499 · end of year $37,778

  • 23 · Secured mortgages and notes payable

    beginning of year $184,243

  • 25 · Other liabilities

    end of year $63,338

  • 27 · Net assets without donor restrictions

    beginning of year $898,765 · end of year $1,404,871

  • 28 · Net assets with donor restrictions

    beginning of year $8,767 · end of year $12,394

Mission and programs · 2024

Mission

IMPROVING FINANCIAL STABILITY THROUGH COUNSELING AND EDUCATION. WE SUPPORT THE FINANCIAL WELLNESS OF ALL.

Activities or mission (Part I)

IMPROVING FINANCIAL STABILITY THROUGH EDUCATION FOR A LIFETIME OF FINANCIAL WELL-BEING.

  • CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS PROVIDES COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: HOMELESS ASSISTANCE, RENTAL TOPICS, PREPURCHASE/HOMEBUYING, HOME MAINTENANCE AND FINANCIAL MANAGEMENT NON-DELINQUENT POST PURCHASE, AND RESOLVING OR PREVENTING MORTGAGE DELINQUENCY OF DEFAULT. A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 2 HOURS. THE CONTENT OF THE COUNSELING IS TAILORED TO FIT EACH INDIVIDUAL CLIENT, AS EACH SITUATION AND NEEDS ARE DIFFERENT. THE ACTION PLAN INCLUDES ISSUES AND CAUSES, INFORMATION ON THE CLIENT'S INDIVIDUAL CIRCUMSTANCES, THE CLIENT'S SHORT AND LONG-TERM GOALS, AND ACTION STEPS TO INCLUDE OPTIONS, SUGGESTIONS, AND REFERRALS TO OTHER SERVICES OR ORGANIZATIONS IF WE CANNOT PROVIDE THESE NEEDED SERVICES. WE PROVIDED HOUSING AND FINANCIAL COUNSELING FOR 405 HOUSEHOLDS AND DMP CLIENTS. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES, THE FINANCIAL ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAM IS A VIABLE OPTION THAT MAY HELP THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS. OUR DEBT MANAGEMENT CLIENTS REPAID OVER 552,933.

    Expenses $237,703 · Grants $540 · Revenue $40,414

  • THE AMERICAN CENTER FOR CREDIT EDUCATION DEVELOPS AND PUBLISHES FINANCIAL EDUCATION PROGRAMS INCLUDING CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE - A GUIDE TO HOMEOWNERSHIP, MONEY IN MOTION, START RIGHT: BUILD YOUR OWN BUSINESS, REBUILDING YOUR CREDIT, CUT THROUGH THE CONFUSION ON HEALTH INSURANCE AND MEDICAL BILLS, AND TEN STEPS TO BUYING A CAR. WE ALSO DISTRIBUTE THESE PROGRAMS NATIONWIDE TO NON-PROFIT CREDIT AND HOUSING COUNSELING AGENCIES AND COMMUNITY ACTION AGENCIES. WE HAVE DISTRIBUTED 1,853,564 FINANCIAL LITERACY PROGRAMS. LOCALLY, WE ARE DEEPLY COMMITTED TO PROMOTING FINANCIAL LITERACY TO THE UNDERSERVED POPULATIONS WITHIN OUR COMMUNITIES. OUR APPROACH PRIORITIZES BREAKING BARRIERS TO ACCESS AND MEETING INDIVIDUALS WHERE THEY ARE WITH TARGETED PARTNERSHIPS AND PROGRAMS: WE REACH INDIVIDUALS AND FAMILIES OFTEN OVERLOOKED BY MAINSTREAM SERVICES. WE COLLABORATE WITH ONEHEART, CORNERSTONE WOMEN'S APARTMENTS, THE VA, AND VOLUNTEERS OF AMERICA, TO ENSURE PEOPLE EXPERIENCING HOMELESSNESS RECEIVE THE COUNSELING AND EDUCATION THEY NEED. RECOGNIZING THE DIVERSITY OF CHALLENGES FACED BY INDIVIDUALS, WE ADDRESS THE NEEDS OF THOSE STRUGGLING WITH ADDICTION BY PARTNERING WITH CRISIS CARE CENTER, LSS, AND NORTHERN HILLS DRUG COURT. SIMILARLY, WE SUPPORT AT-RISK YOUTH THROUGH JOB CORPS AND FAMILY CONNECTIONS, AND SINGLE PARENTS THROUGH CATHOLIC SOCIAL SERVICES' UPLIFTING PARENTS PROGRAM. INCLUSION FOR MARGINALIZED GROUPS: OUR WORK EXTENDS TO INCARCERATED INDIVIDUALS THROUGH PARTNERSHIPS WITH PENNINGTON COUNTY JAIL, THE RAPID CITY WORK CENTER, THE PENNINGTON COUNTY JUVENILE SERVICE CENTER, AND THE WOMEN'S PRISON, HELPING THEM REINTEGRATE INTO SOCIETY WITH BETTER TOOLS AND RESOURCES. WE WORK WITH ELLSWORTH AIR FORCE BASE AND THE DEPARTMENT OF LABOR'S TANF PROGRAM TO SERVE WORKING FAMILIES, MILITARY PERSONNEL, AND THOSE FACING ECONOMIC HARDSHIP. BUILDING INTENTIONAL PARTNERSHIPS AND TAILORING OUR SERVICES TO MEET THE UNIQUE NEEDS OF THESE POPULATIONS, WE STRIVE TO FOSTER A SENSE OF BELONGING, EMPOWERMENT, AND OPPORTUNITY FOR ALL. IN 2024, LOCALLY WE REACHED 978 INDIVIDUALS WITH CLASSES AND 544 WITH ONLINE PROGRAMS.

    Expenses $29,236 · Revenue $82,068

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Listed in Part VII

  • BONNIE SPAIN

    EXECUTIVE DI

    Total calculated
    $84,728
    From this org
    $84,411
    From related orgs
    $0
    Other
    $317
    Hours/week
    40

  • DEEANN M DIETRICH

    CHAIRWOMAN

    Total calculated
    $0
    Hours/week
    2

  • CAROLYN A TEIGEN

    VICE CHAIRWO

    Total calculated
    $0
    Hours/week
    2

  • MELISSA K MONTGOMERY

    TREASURER

    Total calculated
    $0
    Hours/week
    2

  • KATHERINE DENISON

    SECRETARY

    Total calculated
    $0
    Hours/week
    2

  • ELTON J FINCK

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1

  • CURTIS S JENSEN

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1

  • RICK S KAHLER

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1

  • DAPHNE G PEREZ

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1

  • TINA M RAWSTERN

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1

  • AMY R THOMPSON

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1

  • COREY R WEBER

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1

  • RICK L BRADY

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those.

Grants on this return

No itemized grants to organizations on this return.

Assets distributed on this return

Schedule N, as filed: what the organization did with its assets when it liquidated or dissolved, or disposed of more than a quarter of them, and who received them. A recipient with an EIN is usually a successor organization; filers also list expenses such as legal fees here.

Provenance

Return type
form_990
Tax year
2024
Filed
10 July 2025
IRS schema version
2024v5.0
Source object
202511919349300846

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