SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC Charity Report

Public IRS 990 nonprofit record

SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC

EIN 33-0656671 · Financial Counseling (P51)

What they do

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.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $70.90 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2025The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders10 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

91.39%of revenue went to mission work70.9% of expenses · Program services

$128.89spent for every $100 of revenueSpending was higher than revenue this year.

37.50%of revenue went to management and office costs29.1% of expenses

$0.64in assets for every $1 spent this yearSome assets cannot be spent right away.

47.8%of its money came from giftsOther money may come from services or investments.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Worth asking: Expenses exceeded revenue by $1,169,777 this year. Ask whether that was planned or caused by a one-time event.

Pay context: The highest compensation shown in this filing is $249,996 for CYNTHIA WILLIAMS (PRESIDENT - CEO). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2025

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$4,048,762

Mission workProgram services$3,700,22291.39% of revenue70.9% of expenses

ManagementOffice and general costs$1,518,31737.50% of revenue29.1% of expenses

FundraisingAsking for donations0.00% of revenue0.0% of expenses

Total expenses$5,218,539128.89% of revenue

Expenses were greater than revenue, so the colored ring fills the available $100 and the total above 100% is shown below.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2025CurrentExpense mix: 70.9% mission · 29.1% management · 0.0% fundraisingTotal expenses: 128.89% of revenue

2024Expense mix: 66.5% mission · 33.5% management · 0.0% fundraisingTotal expenses: 164.61% of revenue

2023Expense mix: 41.7% mission · 58.3% management · 0.0% fundraisingTotal expenses: 78.68% of revenue

2022Expense mix: 45.8% mission · 54.2% management · 0.0% fundraisingTotal expenses: 133.01% of revenue

2021Expense mix: 30.5% mission · 69.5% management · 0.0% fundraisingTotal expenses: 147.57% of revenue

2020Expense mix: 31.6% mission · 68.4% management · 0.0% fundraisingTotal expenses: 166.05% of revenue

2019Expense mix: 29.3% mission · 68.4% management · 2.3% fundraisingTotal expenses: 49.05% of revenue

2018Expense mix: 73.0% mission · 25.8% management · 1.2% fundraisingTotal expenses: 105.59% of revenue

Money in and money out

Revenue$4,048,762

Expenses$5,218,539

Annual shortfall $1,169,777 Expenses were higher than revenue for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$3,700,222 · 70.9% of expenses

Management and office costs$1,518,317 · 29.1% of expenses

See all reported dollar amounts

Revenue$4,048,762

Expenses$5,218,539

Assets$3,332,703

Income$5,075,999

Contributions$1,936,977

Mission work (program services)$3,700,222

Management and general$1,518,317

Stocks and bonds$2,176,558

People

Leadership and board

Tax year 2025

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

CYNTHIA WILLIAMSPRESIDENT - CEO · 50 hrs/week $249,996Base $228,915 · Other $21,081

MICHELLE TAYLORVP OPERATIONS · 40 hrs/week $169,987Base $151,729 · Other $18,258

MELINDA OPPERMANCHIEF EXTERNAL AFFAIRS OFFICER · 50 hrs/week $162,410Base $146,900 · Other $15,510

HEATHER SHANAHANVP, TECHNOLOGY & PRODUCT DEVELOPMEN · 40 hrs/week $145,742Base $138,273 · Other $7,469

ROBIN HILLARYCHIEF INNOVATION OFFICER · 40 hrs/week $115,577Base $104,640 · Other $10,937

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (10)

CYNTHIA WILLIAMSPRESIDENT - CEO

MICHELLE TAYLORVP OPERATIONS

MELINDA OPPERMANCHIEF EXTERNAL AFFAIRS OFFICER

HEATHER SHANAHANVP, TECHNOLOGY & PRODUCT DEVELOPMEN

ROBIN HILLARYCHIEF INNOVATION OFFICER

ANTHONY TODD EMERSONDIRECTOR

ETHAN HORNTREASURER

JOHN PERLSTEINSECRETARY

MIKE FRASCHILLADIRECTOR

STACIE ANCTILCHAIR

About this charity

Recognized since: January 2001
Location: 1825 CHICAGO AVE STE 240, RIVERSIDE, CA 92507-2374
County: Riverside
In care of: % TED QUITASOL
Primary officer: CYNTHIA WILLIAMS, President

How to reach them

WebsiteVisit the charity’s website Phone(800) 431-8157

Filing and classification

Latest tax year: 2025
Tax period began: January 1, 2025
Return type: 990
Tax preparer: THE PUN GROUP LLP
NTEE classification: Financial Counseling (P51)
IRS tax category: Financial Counseling