2013-06-28T12:45:12-05:00 2012-12-31 WilsonMorgan LLP 1920 Main Street Suite 950 Irvine CA 926148216 990 2012-01-01 330656671 SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC % TODD EMERSON SPRI 9517797724 4351 LATHAM STREET Suite RIVERSIDE CA 925011749 LYLE LANSDELL 9517810114 2013-06-28 true 9494287400 2012 2016-02-24 21:20:13Z TODD EMERSON 4351 LATHAM STREET RIVERSIDE CA 92501 28740509 false X WWW.CREDIT.ORG X 1974 CA TO PROVIDE CREDIT EDUCATION, PROMOTE FINANCIAL LITERACY, PROVIDE HOUSING AND COUNSELING SERVICES, RELIEVE THE BURDENS OF GOVERNMENT AND ASSIST INDIVIDUALS AND FAMILIES IN FINANCIAL DIFFICULTY. 10 9 293 0 0 0 6692808 4809444 20039101 23827362 59104 71122 1574 32581 26792587 28740509 0 0 0 0 17764001 22171542 0 0 646481 7010000 7733640 24774001 29905182 2018586 -1164673 14001285 12865786 3810341 3763298 10190944 9102488 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 17171654 18910567 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. 5177269 2032457 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 is also a founding member 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. 1700981 1733937 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. 1850184 OTHER 1850184 25900088 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 26 0 true 293 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 9517797724 4351 LATHAM STREET RIVERSIDE CA 92501 X STEVEN CLARK 1.0 X 0 DENIS GITSCHIER 1.0 X 0 MIKE FRASCHILLA 1.0 X 0 MEREDITH CHILLEMI 1.0 X 0 0 0 ETHAN HORN 1.0 X 0 0 0 REV STEVENS WRIGHT 1.0 X 0 0 0 CURTIS PARADZICK 1.0 X 0 0 0 STACIE ANCTIL 1.0 X 0 SONNY SARABIA 1.0 X 0 0 0 TODD EMERSON 70.0 X 383050 0 0 AARON HORVATH 60.0 X 256231 0 0 JAMIE DEASON 60.0 X 204165 0 0 MELINDA OPPERMAN 60.0 X 139608 0 0 LYLE LANSDELL 60.0 X 266781 0 0 JUSTIN WALLER 50.0 X 146861 0 KEVIN WEEKS 50.0 X 125000 0 0 RENE DANIALI 50.0 X 120023 0 JOANNE CORDERO 50.0 X 145072 0 RAJESH THAYI 50.0 X 120547 0 0 1907338 0 0 10 false true false SPERIDIAN TECHNOLOGIES 2021 GIRARD BLVD SE200 ALBUQUERQUE NM 87106 IT MANAGEMENT 1063228 KAISER PERMANENTE FILE 5915 LOS ANGELES CA 90074 HEALTH SERVICES 586983 ANTHEM BLUE CROSS 801 South Figueroa 5th Floor LOS ANGELES CA 90017 HEALTH SERVICES 634149 BETTER BUSINESS BUREAU 315 N LA CADENA DR COLTON CA 92324 RENT 220187 COMMODUM TECHNOLOGY 517 NORTH MOUNTAIN AVENUE SUITE 11 UPLAND CA 91786 IT MANAGEMENT 143849 5 3765284 1044160 4809444 PRE-BANKRUPTCY SESSION 611600 874280 874280 DEBTOR EDUCATION SESSION 611600 534913 534913 FEES EARNED 611600 20158324 20158324 HOUSING EDUCATION 611600 2097720 2097720 SOFTWARE DEVELOPMENT 611600 162125 162125 23827362 71122 71122 0 0 0 0 0 0 0 0 0 OTHER REVENUE 900099 32581 32581 32581 28740509 23859943 0 71122 0 0 0 0 383050 383050 0 21788492 19478266 1873481 436745 0 0 0 0 89920 21851 44997 23072 0 0 0 0 0 473625 424296 26928 22401 218895 190265 28630 0 0 0 453023 9686 279074 164263 0 0 87516 56886 30630 0 987354 696681 290673 103309 82647 20662 LEASED EQUIPMENT 59025 42498 16527 BANK CHARGES 108938 74653 34285 PROFESSIONAL SERVICES 408664 344812 63852 STAFF DEVELOPMENT 136217 119745 16472 4607154 4357802 249352 29905182 25900088 3358613 646481 2181926 1247498 210826 228602 5480408 4631204 0 0 0 0 0 0 0 0 0 0 35951 44628 9214248 4971455 4320295 4242793 1688362 2325260 0 0 0 0 6546 17903 76971 127898 14001285 12865786 2278205 2454193 0 0 0 0 0 0 211629 28601 0 0 1243538 1152606 0 0 76969 127898 3810341 3763298 X 10190944 9102488 0 0 0 0 10190944 9102488 14001285 12865786 X -1164673 76161 56 X false true X true true true X 7962734 11225648 8955229 8637299 4809444 41590354 5471301 5862211 9391342 18094609 23827362 62646825 0 0 0 13434035 17087859 18346571 26731908 28636806 104237179 0 5336127 5690834 6102681 6453201 3745938 27328781 5336127 5690834 6102681 6453201 3745938 27328781 76908398 83336 49841 27344 59104 71122 290747 0 83336 49841 27344 59104 71122 290747 0 32581 32581 13517371 17137700 18373915 26791012 28740509 104560507 0.73554 0.66331 0.00278 0.00381 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false true 400000 400000 2496604 1009888 1486716 465587 148948 316639 1422584 807457 615127 4429473 3005162 1424311 4242793 0 DEFERRED COMPENSATION 127898 127898 28816670 76161 76161 28740509 28740509 29905182 29905182 29905182 PART IV, LINE 2B CLIENTS' FUNDS HELD IN TRUST $28,601. SCHEDULE D, PAGE 2, VI - OTHER ASSET CLASS DETAIL: AUTOMOBILES COSTS 28,552 CAPITAL LEASE COSTS 437,155 SOFTWARE COSTS 3,963,766 ========== TOTAL 4,429,473 AUTOMOBILES ACCUM DEPR <28,552> CAPITAL LEASE ACCUM DEPR <371,399> SOFTWARE ACCUM DEPR <2,605,211> ============ TOTAL <3,005,162> SCHEDULE D, PAGE 4, PART XII: UNREALIZED GAIN ON INVESTMENT 76,161 X true true X X X X X X false false false false false false false false false AARON HORVATH 256231 0 0 0 0 0 0 0 0 0 256231 0 0 0 JAMIE DEASON 204165 0 0 0 0 0 0 0 0 0 204165 0 0 0 LYLE LANSDELL 266781 0 0 0 0 0 0 0 0 0 266781 0 0 0 TODD EMERSON 383050 0 0 0 0 0 0 0 0 0 383050 0 0 0 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. 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 ME. 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 OR 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 MAYBE 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 XI, LINE 9 ROUNDING ADJUSTMENT 56 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:DUES & SUBSCRIPTIONS OTHER EXPENSES FORM 990 PART IX DESCRIPTION:TAXES & LICENSE TOTAL EXPENSES:109858 PROGRAM SERVICES:85084 MANAGEMENT AND GENERAL:24774 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:BAD DEBT TOTAL EXPENSES:392327 PROGRAM SERVICES:392327 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:CLIENTS' FUND REIMBURSED TOTAL EXPENSES:3133 PROGRAM SERVICES:3133 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:CREDIT REPORT COSTS TOTAL EXPENSES:73203 PROGRAM SERVICES:73203 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:UNREIMBURSED COUNSELING TOTAL EXPENSES:88225 PROGRAM SERVICES:88225 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:COMMUNICATION TOTAL EXPENSES:698212 PROGRAM SERVICES:637352 MANAGEMENT AND GENERAL:60860 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:EQUIPMENT COSTS TOTAL EXPENSES:638352 PROGRAM SERVICES:606743 MANAGEMENT AND GENERAL:31609 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:POSTAGE TOTAL EXPENSES:80407 PROGRAM SERVICES:63525 MANAGEMENT AND GENERAL:16882 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:SUBGRANTEE COSTS TOTAL EXPENSES:46 PROGRAM SERVICES:46 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:TRANSACTION/PROCESSING TOTAL EXPENSES:1309480 PROGRAM SERVICES:1309480 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:EDUCATION MATERIALS TOTAL EXPENSES:184285 PROGRAM SERVICES:184285 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:MERCHANT FEES TOTAL EXPENSES:202686 PROGRAM SERVICES:202686 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:FACILITIES COSTS TOTAL EXPENSES:816757 PROGRAM SERVICES:708460 MANAGEMENT AND GENERAL:108297 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:DOCUMENT STORAGE TOTAL EXPENSES:5780 MANAGEMENT AND GENERAL:5780 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:MEMBERSHIP DUES TOTAL EXPENSES:3012 PROGRAM SERVICES:1862 MANAGEMENT AND GENERAL:1150 OTHER EXPENSES FORM 990 PART IX DESCRIPTION:PROGRAM ALLOCATIONS TOTAL EXPENSES:1391 PROGRAM SERVICES:1391