Nonprofit · EIN 33-0656671
SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC
Also known as CREDIT ORG
Tax-exempt · RIVERSIDE, CA 92507
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $4,048,762 | $5,218,539 | -$1,169,777 | $3,332,703 | $1,060,331 | $2,272,372 |
| December 31, 2024 | 990 | $4,460,847 | $7,343,044 | -$2,882,197 | $5,270,422 | $1,796,658 | $3,473,764 |
| December 31, 2023 | 990 | $9,859,029 | $7,756,704 | $2,102,325 | $9,852,454 | $3,764,885 | $6,087,569 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $1,936,977
- of which government grants
- $338,566
- Program service revenue
- $1,779,276
- Investment income
- $326,741
- Net gain from sales of assets
- $316,208
- Other revenue
- $5,768
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $1,976,227
- Other salaries and wages
- $71,273
- Salaries, compensation and benefits (total)
- $2,449,664
- Professional fundraising fees
- $0
- Occupancy
- $402,075
- Travel
- $36,143
- Depreciation
- $277,764
- Program services (functional)
- $3,700,222
- Management and general (functional)
- $1,518,317
Balance sheet and other
- Total assets, start of year
- $5,270,423
- Total assets, end of year
- $3,332,703
- Total liabilities, end of year
- $1,060,331
- Net assets, end of year
- $2,272,372
- Land, buildings and equipment
- $121,717
- Publicly traded securities
- $2,176,558
- Net assets without donor restrictions
- $2,272,372
- Gross receipts
- $5,075,999
- Employees
- 37
- Year formed
- 1974
- State of legal domicile
- CA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CYNTHIA WILLIAMS | President - CEO Trustee or director, Officer | 50 | $228,915 | $21,081 |
| Michelle Taylor | VP Operations | 40 | $151,729 | $18,258 |
| Melinda Opperman | Chief External Affairs Officer | 50 | $146,900 | $15,510 |
| Heather Shanahan | VP, Technology & Product Developmen | 40 | $138,273 | $7,469 |
| Robin Hillary | Chief Innovation Officer | 40 | $104,640 | $10,937 |
| Anthony Todd Emerson | Director Trustee or director | 1 | $0 | $0 |
| Ethan Horn | Treasurer Trustee or director | 1 | $0 | $0 |
| Stacie Anctil | Chair Trustee or director | 1 | $0 | $0 |
| Mike Fraschilla | DIRECTOR Trustee or director | 1 | $0 | $0 |
| John Perlstein | Secretary Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CYNTHIA WILLIAMS | PRESIDENT - CEO Trustee or director, Officer | 50 | $184,708 | $15,992 |
| MELINDA OPPERMAN | CHIEF EXTERNAL AFFAIRS OFF Key employee | 50 | $180,800 | $15,799 |
| MICHELLE TAYLOR | VP OPERATIONS Highest-paid employee | 40 | $170,400 | $15,471 |
| ROBIN HILLARY | CHIEF INNOVATION OFFICER Key employee | 40 | $150,462 | $9,695 |
| ANTHONY TODD EMERSON | PRESIDENT-CEO Former | 1 | $42,519 | $3,069 |
| STACIE ANCTIL | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MIKE FRASCHILLA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ETHAN HORN | TREASURER Trustee or director | 1 | $0 | $0 |
| JOHN PERLSTEIN | SECRETARY Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ANTHONY TODD EMERSON | PRESIDENT-CEO Trustee or director, Officer | 60 | $338,187 | $14,996 |
| MELINDA OPPERMAN | CHIEF EXTERNAL AFFAIRS OFF Key employee | 50 | $176,060 | $15,018 |
| JAMIE DEASON | EXECUTIVE VICE PRESIDENT Key employee | 50 | $159,372 | $12,986 |
| MICHELLE TAYLOR | VP OPERATIONS Highest-paid employee | 40 | $109,688 | $15,941 |
| GLADYS REIMERS | SVP OF COUNSELING SERVICES Highest-paid employee | 40 | $105,020 | $5,994 |
| STACIE ANCTIL | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MIKE FRASCHILLA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOHN PERLSTEIN | SECRETARY Trustee or director | 1 | $0 | $0 |
| ETHAN HORN | TREASURER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1825 CHICAGO AVE STE 240, RIVERSIDE, CA 92507-2374
- In care of
- % TED QUITASOL
- Principal officer (990 for 2025)
- CYNTHIA WILLIAMS, 1825 Chicago Avenue 240, RIVERSIDE, CA 92507
- Signed the 990
- CYNTHIA WILLIAMS, President
- Phone
- (800) 431-8157
- Website
- WWW.CREDIT.ORG
- Return prepared by
- THE PUN GROUP LLP
California records
California keeps its own records of charities and corporations. Search them by EIN 33-0656671 or by the name SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
The specific purpose of the corporation shall be to educate consumers on various options available to address their credit and debt issues, empower consumers to achieve long-term financial self-sufficiency, promote financial literacy, communicate to the general public best money management practices, offer other financial coaching services, develop new financial tools in support of financial education and relieve the burdens of government through various federal, state and local initiatives.
Program accomplishments
- Housing counseling Credit.org helps consumers understand, secure, and maintain stable housing by offering unbiased guidance on renting, homebuying, budgeting, credit, foreclosure prevention, and tenant rights. Counselors work with individuals to navigate complex housing systems, avoid predatory practices, resolve landlord tenant issues, and access affordable housing programs, all with the goal of promoting long term housing stability and informed decision making.Expenses $2,282,868 · revenue $544,229
- Credit and Debt counselingCredit.org helps consumers understand their financial situation, improve budgeting skills, and create a realistic plan to manage or repay debt. Trained counselors review a clients income, expenses, and credit report, then offer guidance on reducing financial stress, avoiding predatory lending, and, if needed, setting up a structured debt management plan that consolidates payments and may lower interest rates.Expenses $1,415,865 · revenue $767,328
- Debt Management Credit.org offers a structured financial counseling service which includes a comprehensive assessment of an individuals income, expenses, credit obligations, and financial challenges, and provides professional guidance on repayment strategies. Where appropriate, the counselor may recommend enrollment in a Debt Management Plan (DMP) a voluntary repayment program that consolidates unsecured debts into a single monthly payment. The purpose of the DMP is to improve financial stability, support responsible repayment, and help the individual develop long term budgeting and money management skills.Expenses $1,489 · revenue $460,960
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 33-0656671
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (509(a)(2))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2001
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $3,332,703
- Income (IRS master file)
- $5,075,999
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $4,048,762 | $5,218,539 | $3,332,703 | IRS |
| 990 | December 2024 | $4,460,847 | $7,343,044 | $5,270,422 | IRS |
| 990 | December 2023 | $9,859,029 | $7,756,704 | $9,852,454 | XML |
| 990 | December 2022 | $6,984,946 | $9,290,861 | $7,401,716 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 33-0656671).
Questions about SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC
- What is the EIN of SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC?
- The employer identification number (EIN) of SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC is 33-0656671.
- Is SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2001.
- Are donations to SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC?
- The 990 for the year ended December 31, 2025 names CYNTHIA WILLIAMS.
- Who are the officers and directors of SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC?
- The 990 for the year ended December 31, 2025 lists 10 people; 5 received compensation from the organization, the highest $228,915 (CYNTHIA WILLIAMS, President - CEO).
- How much revenue does SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $4,048,762, expenses of $5,218,539 and total assets of $3,332,703 at year end.
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