Rushmore Consumer Credit Resource Center

Organization Overview

Rushmore Consumer Credit Resource Center, operating under the name Cccs Of The Bh And Acce, is located in Rapid City, SD. The organization was established in 1974. According to its NTEE Classification (P51) the organization is classified as: Financial Counseling, under the broad grouping of Human Services and related organizations. As of 12/2021, Cccs Of The Bh And Acce employed 6 individuals. This organization is a subordinate organization within an affiliated group for tax-exemption purposes. Cccs Of The Bh And Acce is a 501(c)(3) and as such, is described as a "Charitable or Religous organization or a private foundation" by the IRS.

For the year ending 12/2021, Cccs Of The Bh And Acce generated $416.9k in total revenue. This represents a relatively dramatic decline in revenue. Over the past 7 years, the organization has seen revenues fall by an average of (4.7%) each year. All expenses for the organization totaled $487.1k during the year ending 12/2021. As we would expect to see with falling revenues, expenses have declined by (3.9%) per year over the past 7 years. You can explore the organizations financials more deeply in the financial statements section below.

Mission & Program ActivityExcerpts From the 990 Filing

TAX YEAR

2021

Describe the Organization's Mission:

Part 3 - Line 1

IMPROVING FINANCIAL STABILITY THROUGH EDUCATION FOR A LIFETIME OF FINANCIAL WELL-BEING. RUSHMORE CONSUMER CREDIT RESOURCE CENTER HAS TWO DIVISIONS: CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS AND THE AMERICAN CENTER FOR CREDIT EDUCATION.

Describe the Organization's Program Activity:

Part 3 - Line 4a

CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS PROVIDES COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: PRE-PURCHASE HOUSING COUNSELING AND HOMEBUYER EDUCATION, REVERSE MORTGAGE COUNSELING, AND LOSS MITIGATION FORECLOSURE PREVENTION COUNSELING, A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 2 HOURS AND HELPS THEM DEVELOP A PERSONALIZED ACTION PLAN TO OVERCOME THEIR HOUSING AND FINANCIAL OBSTACLES AND OBTAIN AND MAINTAIN SAFE AND AFFORDABLE HOUSING, INCREASE THEIR FINANCIAL STABILITY, AND REACH FINANCIAL GOALS. WE PROVIDED HOUSING AND FINANCIAL COUNSELING FOR 170 HOUSEHOLDS AND 191 DMP CLIENTS. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES, THE FINANCIAL COUNSELING ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAMS IS A VIABLE OPTION THAT HELPS THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS. OUR DEBT MANAGEMENT CLIENTS REPAID OVER $1,046,262. FOR INDIVIDUALS CONSIDERING BANKRUPTCY WE PROVIDE PRE-FILING CREDIT COUNSELING AND POST-FILING DEBTOR EDUCATION. WE PROVIDED BANKRUPTCY SERVICES FOR 29 INDIVIDUALS.


THE AMERICAN CENTER FOR CREDIT EDUCATION DEVELOPS AND PUBLISHES FINANCIAL EDUCATION PROGRAMS INCLUDING CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVEA 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. WE ALSO DISTRIBUTE THESE PROGRAMS NATIONWIDE TO NON-PROFIT CREDIT AND HOUSING COUNSELING AGENCIES AND COMMUNITY ACTION AGENCIES. WE HAVE DISTRIBUTED 1,822,226 FINANCIAL LITERACY PROGRAMS. WE PROVIDED OUR FINANCIAL LITERACY PROGRAMS FOR AREA OUR CLIENTS, HIGH SCHOOLS, UNIVERSITIES, NON-PROFIT ORGANIZATIONS, THE MILITARY, EMPLOYERS, CORRECTIONAL FACILITIES, JOB TRAINING, RESERVATIONS, GOVERNMENT AGENCIES AND MORE. IN SOUTH DAKOTA WE PROVIDED FINANCIAL EDUCATION PROGRAMS 433 INDIVIDUALS.


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Board, Officers & Key Employees

Name (title)Compensation
Bonnie Spain
CEO
$79,889
Deeann Dietrich
Chairwoman
$0
Donna Danielson
Secretary
$0
Corey Weber
Treasurer
$0
Carolyn Teigen
Vice Chairwoman
$0
Katherine Dennison
Board Member
$0

Financial Statements

Statement of Revenue
Federated campaigns$20,530
Membership dues$0
Fundraising events$0
Related organizations$0
Government grants $183,932
All other contributions, gifts, grants, and similar amounts not included above$27,145
Noncash contributions included in lines 1a–1f $0
Total Revenue from Contributions, Gifts, Grants & Similar$231,607
Total Program Service Revenue$75,290
Investment income $592
Tax Exempt Bond Proceeds $0
Royalties $0
Net Rental Income $19,865
Net Gain/Loss on Asset Sales $0
Net Income from Fundraising Events $0
Net Income from Gaming Activities $0
Net Income from Sales of Inventory $89,286
Miscellaneous Revenue$0
Total Revenue $416,877

Grants Recieved

Over the last fiscal year, we have identified 2 grants that Rushmore Consumer Credit Resource Center has recieved totaling $75,020.

Awarding OrganizationAmount
Homeownership Education Resource Organization

Pierre, SD

PURPOSE: HOMEOWNER EDUCATION

$49,145
United Way Of The Black Hills

Rapid City, SD

PURPOSE: GENERAL SUPPORT

$25,875
View Grant Recipient Profile

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