{"success":true,"data":{"_id":421301505,"filings":[{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","KATIE OCHANPAUGH","DAVID SHELLEDY","RICHARD PIATT","REA ROE"],"Title":["PRESIDENT","SECRETARY","TREASURER","CHAIRMAN","DIRECTOR","DIRECTOR"],"Hours":[40.0,5.0,32.0,1.0,1.0,1.0],"Total Compensation":[186177,17495,76041,0,886,0],"Direct compensation":[156324,17495,57713,0,886,0],"Other compensation":[29853,0,18328,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.","year":2021,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":5,"Number of independent voting members":3,"Number of employees total":17,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":17,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1382576,"Contributions":{"value":282175,"Other contributions":282175,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1091524,"Total revenue":{"value":1091524,"CLIENT FEES":739170,"FAIR SHARE":346999,"US TRUSTEES OFFICE":5355},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":8877,"Investment income total":8877,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1376068,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":882054,"Current officers":280599,"Disqualified persons":0,"Other salaries and wages":482409,"Pension plan contributions":15820,"Other employee benefits":53716,"Payroll taxes":49510},"Other expenses":{"value":494014,"Management services":0,"Legal":0,"Accounting":26932,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":88435,"Office expenses":73223,"Information technology":47499,"Royalties":0,"Occupancy":124706,"Travel":7208,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":3542,"Insurance":22426,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":70928,"LOCATOR SERVICE FEES":23462,"EQUIPMENT EXPENSE":21438,"EFT AND BANK SERVICE CH":16091,"MISCELLANEOUS":9937},"All other expenses":29115},"Functional Expenses":{"value":null,"Program Service Expenses":902924,"Management And General Expenses":473144,"Fundraising Expenses":0}},"Assets":{"value":2361855,"Non-interest bearing cash":1849112,"Savings and temp cash investments":236409,"Pledges and grants receivable":0,"Accounts receivable":88320,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":19999,"Land, building, equipment":12039,"Investments publicly traded":155976,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":266839,"Sum of Total Liabilities":0,"Accounts payable, accrued":30430,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":236409,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":2095016,"Net assets without donor restriction":2095016,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6561623408145528,"percentile":0.5150407224509196},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.004707155339019338,"percentile":0.40968565500209003},"Liabilities to Assets Ratio":{"score":0.11297856981059379,"percentile":0.3134018071785695},"Operating Reserve Ratio":{"score":1.716379568451559,"percentile":0.5754015705321811},"Officer Compensation Ratio":{"score":0.2039136147341556,"percentile":0.3075328673774033},"Program Expense Growth":{"score":-0.11383390951879555,"percentile":0.13066398400686888},"Revenue Growth":{"score":-0.0090507176337018,"percentile":0.33351699161023235},"Asset Growth":{"score":-0.07149843533472665,"percentile":0.13290215645446218},"Independent Voting Board Pct":{"score":0.6,"percentile":0.14358321820463743},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.39608170216000477,"percentile":0.11529496840542014}},"source_xml":"202211369349304301_public.xml"},{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","KATIE OCHANPAUGH","DAVID SHELLEDY","LARRY MCINTOSH","REA ROE","FRED NORRIS"],"Title":["PRESIDENT","SECRETARY","TREASURER","CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,5.0,32.0,1.0,1.0,1.0,1.0],"Total Compensation":[191230,8625,62992,0,0,0,0],"Direct compensation":[157070,8625,52532,0,0,0,0],"Other compensation":[34160,0,10460,0,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.","year":2019,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":7,"Number of independent voting members":4,"Number of employees total":19,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":19,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1495727,"Contributions":{"value":181247,"Other contributions":181247,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1292692,"Total revenue":{"value":1292692,"CLIENT FEES":849103,"FAIR SHARE":437370,"US TRUSTEES OFFICE":6219},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":21788,"Investment income total":21788,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1429458,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":908346,"Current officers":262849,"Disqualified persons":0,"Other salaries and wages":526972,"Pension plan contributions":20171,"Other employee benefits":46466,"Payroll taxes":51888},"Other expenses":{"value":521112,"Management services":0,"Legal":0,"Accounting":22165,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":54597,"Office expenses":76211,"Information technology":33597,"Royalties":0,"Occupancy":116930,"Travel":6145,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":5354,"Insurance":22299,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":139289,"LOCATOR SERVICE FEES":83338,"EFT AND BANK SERVICE CH":19338,"EQUIPMENT EXPENSE":18739,"EMPLOYEE EDUCATION":17874},"All other expenses":44525},"Functional Expenses":{"value":null,"Program Service Expenses":999821,"Management And General Expenses":429637,"Fundraising Expenses":0}},"Assets":{"value":2161947,"Non-interest bearing cash":1641030,"Savings and temp cash investments":260870,"Pledges and grants receivable":0,"Accounts receivable":115879,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":10042,"Land, building, equipment":14062,"Investments publicly traded":120064,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":328608,"Sum of Total Liabilities":0,"Accounts payable, accrued":67738,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":260870,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":1833339,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6994406271467927,"percentile":0.5365172838809986},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.04430554506270195,"percentile":0.5120577482244101},"Liabilities to Assets Ratio":{"score":0.15199632553434472,"percentile":0.2820832370586317},"Operating Reserve Ratio":{"score":1.512424289485945,"percentile":0.5406539956780758},"Officer Compensation Ratio":{"score":0.1838787848261369,"percentile":0.3422846948079824},"Program Expense Growth":{"score":-0.13378471028545333,"percentile":0.11805388341569545},"Revenue Growth":{"score":-0.029690955114297143,"percentile":0.26803497682294136},"Asset Growth":{"score":-0.11447180211104847,"percentile":0.09351000202701168},"Independent Voting Board Pct":{"score":0.5714285714285714,"percentile":0.13672735574814468},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4074263123025236,"percentile":0.1335301715888563}},"source_xml":"202021629349300047_public.xml"},{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","KATIE OCHANPAUGH","DAVID SHELLEDY","LARRY MCINTOSH","MAXINE SIELEMAN","REA ROE","FRED NORRIS"],"Title":["PRESIDENT","SECRETARY","TREASURER","CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,5.0,32.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[172297,0,61108,0,0,0,0,0],"Direct compensation":[150941,0,52432,0,0,0,0,0],"Other compensation":[21356,0,8676,0,0,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtness.","year":2017,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":5,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":8,"Number of independent voting members":5,"Number of employees total":16,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":16,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1318243,"Contributions":{"value":145321,"Other contributions":145321,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1168589,"Total revenue":{"value":1168589,"CLIENT FEES":722553,"FAIR SHARE":436974,"US TRUSTEES OFFICE - B":9062},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":4333,"Investment income total":4333,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1579146,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":879720,"Current officers":251878,"Disqualified persons":0,"Other salaries and wages":521613,"Pension plan contributions":18294,"Other employee benefits":50209,"Payroll taxes":37726},"Other expenses":{"value":699426,"Management services":0,"Legal":1203,"Accounting":22145,"Lobbying services":0,"Investment management fees":0,"Other services":60,"Advertising":63918,"Office expenses":68666,"Information technology":58832,"Royalties":0,"Occupancy":139314,"Travel":13541,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":26351,"Insurance":20054,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":231518,"LOCATOR SERVICE FEES":178249,"EQUIPMENT EXPENSE":18978,"MISCELLANEOUS":17727,"EFT AND BANK SERVICE CH":16564},"All other expenses":53824},"Functional Expenses":{"value":null,"Program Service Expenses":1101693,"Management And General Expenses":477453,"Fundraising Expenses":0}},"Assets":{"value":2128098,"Non-interest bearing cash":1754721,"Savings and temp cash investments":215215,"Pledges and grants receivable":0,"Accounts receivable":81864,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":15808,"Land, building, equipment":18187,"Investments publicly traded":0,"Investments other":42303,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":294994,"Sum of Total Liabilities":0,"Accounts payable, accrued":79779,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":215215,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":1833104,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6976511354871557,"percentile":0.5354549152924686},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.1979172277038452,"percentile":0.15243426358235376},"Liabilities to Assets Ratio":{"score":0.13861861624793595,"percentile":0.2921095302941663},"Operating Reserve Ratio":{"score":1.3476258686657219,"percentile":0.5082583591521785},"Officer Compensation Ratio":{"score":0.14780457285140197,"percentile":0.4172270526635042},"Program Expense Growth":{"score":-0.1491128638972624,"percentile":0.10994592121172132},"Revenue Growth":{"score":-0.10066963444071515,"percentile":0.14324841657728724},"Asset Growth":{"score":-0.16112600127392332,"percentile":0.06808264039719336},"Independent Voting Board Pct":{"score":0.625,"percentile":0.14540588280494296},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.33738402747724827,"percentile":0.040152924285999696}},"source_xml":"201802639349301040_public.xml"},{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","REA ROE","LARRY MCINTOSH","DAVID SHELLEDY","MAXINE SIELEMAN","FRED NORRIS","KATIE OCHANPAUGH"],"Title":["PRESIDENT","SECRETARY","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","TREASURER"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,32.0],"Total Compensation":[161078,95530,0,0,0,0,0,54071],"Direct compensation":[161078,95530,0,0,0,0,0,54071],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.","year":2014,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":5,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":7,"Number of independent voting members":5,"Number of employees total":22,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":22,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1462122,"Contributions":{"value":166087,"Other contributions":166087,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1295930,"Total revenue":{"value":1295930,"CLIENT FEES":735631,"FAIR SHARE":546886,"US TRUSTEES OFFICE - B":13413},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":105,"Investment income total":105,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2022326,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1114225,"Current officers":310679,"Disqualified persons":0,"Other salaries and wages":561310,"Pension plan contributions":0,"Other employee benefits":242236,"Payroll taxes":0},"Other expenses":{"value":908101,"Management services":0,"Legal":31210,"Accounting":25925,"Lobbying services":0,"Investment management fees":0,"Other services":-5775,"Advertising":0,"Office expenses":0,"Information technology":55705,"Royalties":0,"Occupancy":136938,"Travel":4105,"Conferences and meetings":3698,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":32657,"Insurance":24046,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":487414,"CONSUMER EDUCATION":302718,"OTHER ADMIN. COSTS":82965,"LOCATOR SERVICE FEES":65970,"MISCELLANEOUS":35761},"All other expenses":112178},"Functional Expenses":{"value":null,"Program Service Expenses":1877762,"Management And General Expenses":144564,"Fundraising Expenses":0}},"Assets":{"value":3341279,"Non-interest bearing cash":2869639,"Savings and temp cash investments":176763,"Pledges and grants receivable":0,"Accounts receivable":137286,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":103427,"Investments publicly traded":0,"Investments other":45836,"Investments program related":0,"Intangible assets":0,"Other assets":8328},"Liabilities":{"value":264294,"Sum of Total Liabilities":0,"Accounts payable, accrued":176763,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":87531,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":3076985,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9285159761581466,"percentile":0.8145897948168497},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.3831444982019284,"percentile":0.09305051339205193},"Liabilities to Assets Ratio":{"score":0.0790996501639043,"percentile":0.34788310366696},"Operating Reserve Ratio":{"score":1.6521960356539944,"percentile":0.5650542948540083},"Officer Compensation Ratio":{"score":0.1536245887161615,"percentile":0.4040078200891115},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.7142857142857143,"percentile":0.1656041307828256},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5149919041766001,"percentile":0.36017321073205794}},"source_xml":"201521779349300442_public.xml"},{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","KATIE OCHANPAUGH","DAVID SHELLEDY","RICHARD PIATT","MARK KIRKLAND","LINDA JACOB"],"Title":["PRESIDENT","SECRETARY","TREASURER","CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,5.0,32.0,1.0,1.0,1.0,1.0],"Total Compensation":[138818,18487,87832,0,3949,0,0],"Direct compensation":[109360,18487,67541,0,3949,0,0],"Other compensation":[29458,0,20291,0,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.","year":2024,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":7,"Number of independent voting members":4,"Number of employees total":16,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":16,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1462736,"Contributions":{"value":155541,"Other contributions":155541,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1266167,"Total revenue":{"value":1266167,"CLIENT FEES":876994,"FAIR SHARE":386059,"US TRUSTEES OFFICE":3114},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":41028,"Investment income total":41028,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1300327,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":773048,"Current officers":249086,"Disqualified persons":0,"Other salaries and wages":419284,"Pension plan contributions":10441,"Other employee benefits":47779,"Payroll taxes":46458},"Other expenses":{"value":527279,"Management services":0,"Legal":828,"Accounting":22900,"Lobbying services":0,"Investment management fees":0,"Other services":6125,"Advertising":73879,"Office expenses":94462,"Information technology":44656,"Royalties":0,"Occupancy":129196,"Travel":9296,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4165,"Insurance":28943,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":84159,"LOCATOR SERVICE FEES":34462,"EQUIPMENT EXPENSE":19826,"LICENSES AND PERMITS":16044,"EMPLOYEE EDUCATION":13827},"All other expenses":28670},"Functional Expenses":{"value":null,"Program Service Expenses":845297,"Management And General Expenses":455030,"Fundraising Expenses":0}},"Assets":{"value":2340899,"Non-interest bearing cash":1720438,"Savings and temp cash investments":175811,"Pledges and grants receivable":0,"Accounts receivable":35300,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":18365,"Land, building, equipment":9453,"Investments publicly traded":196712,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":184820},"Liabilities":{"value":415872,"Sum of Total Liabilities":0,"Accounts payable, accrued":55914,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":175811,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":184147},"Fund balance":{"value":1925027,"Net assets without donor restriction":1925027,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6500649452022453,"percentile":0.512542192648208},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11103097209612671,"percentile":0.6416125856205389},"Liabilities to Assets Ratio":{"score":0.17765482406545519,"percentile":0.26476300855574836},"Operating Reserve Ratio":{"score":1.8002387091862277,"percentile":0.5882038510918689},"Officer Compensation Ratio":{"score":0.19155643157451932,"percentile":0.32850576812156207},"Program Expense Growth":{"score":-0.0928645305988455,"percentile":0.14734348985133688},"Revenue Growth":{"score":-0.01691260791801605,"percentile":0.3062809730865033},"Asset Growth":{"score":-0.04375080479431647,"percentile":0.17767696611021505},"Independent Voting Board Pct":{"score":0.5714285714285714,"percentile":0.13672735574814468},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.43460295270391847,"percentile":0.18159768961697534}},"source_xml":"202531349349307383_public.xml"},{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","KATIE OCHANPAUGH","DAVID SHELLEDY","RICHARD PIATT","MARK KIRKLAND","LINDA JACOB"],"Title":["PRESIDENT","SECRETARY","TREASURER","CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,5.0,32.0,1.0,1.0,1.0,1.0],"Total Compensation":[197641,18271,84961,0,12203,0,0],"Direct compensation":[167912,18271,64561,0,12203,0,0],"Other compensation":[29729,0,20400,0,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.","year":2023,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":7,"Number of independent voting members":5,"Number of employees total":15,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":15,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1098266,"Contributions":{"value":50680,"Other contributions":50680,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1002709,"Total revenue":{"value":1002709,"CLIENT FEES":707169,"FAIR SHARE":291841,"US TRUSTEES OFFICE":3699},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":44877,"Investment income total":44877,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1298532,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":830143,"Current officers":313076,"Disqualified persons":0,"Other salaries and wages":400920,"Pension plan contributions":12849,"Other employee benefits":54317,"Payroll taxes":48981},"Other expenses":{"value":468389,"Management services":0,"Legal":0,"Accounting":17275,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":83164,"Office expenses":65094,"Information technology":45716,"Royalties":0,"Occupancy":121980,"Travel":14500,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4904,"Insurance":20261,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":68425,"LOCATOR SERVICE FEES":22231,"EQUIPMENT EXPENSE":21097,"EFT AND BANK SERVICE CH":12888,"MISCELLANEOUS":12209},"All other expenses":27070},"Functional Expenses":{"value":null,"Program Service Expenses":823805,"Management And General Expenses":474727,"Fundraising Expenses":0}},"Assets":{"value":2147599,"Non-interest bearing cash":1486666,"Savings and temp cash investments":80762,"Pledges and grants receivable":0,"Accounts receivable":109564,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":22018,"Land, building, equipment":13618,"Investments publicly traded":159460,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":275511},"Liabilities":{"value":422233,"Sum of Total Liabilities":0,"Accounts payable, accrued":66633,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":80762,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":274838},"Fund balance":{"value":1725366,"Net assets without donor restriction":1725366,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6344125520202814,"percentile":0.5066036025875472},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.18234744588287355,"percentile":0.1607323405505027},"Liabilities to Assets Ratio":{"score":0.1966070015864228,"percentile":0.2530449434887985},"Operating Reserve Ratio":{"score":1.6538668280797084,"percentile":0.5653259055356642},"Officer Compensation Ratio":{"score":0.24109994978945457,"percentile":0.25238932244290363},"Program Expense Growth":{"score":-0.10111721532251798,"percentile":0.14014383877991535},"Revenue Growth":{"score":-0.024951852427386054,"percentile":0.2814271927916366},"Asset Growth":{"score":-0.05329058181367905,"percentile":0.159373302938438},"Independent Voting Board Pct":{"score":0.7142857142857143,"percentile":0.1656041307828256},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.34487585989541414,"percentile":0.046804014812465364}},"source_xml":"202401589349301030_public.xml"},{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","KATIE OCHANPAUGH","DAVID SHELLEDY","RICHARD PIATT","MARK KIRKLAND"],"Title":["PRESIDENT","SECRETARY","TREASURER","CHAIRMAN","DIRECTOR","DIRECTOR"],"Hours":[40.0,5.0,32.0,1.0,1.0,1.0],"Total Compensation":[194001,18272,83519,0,2475,0],"Direct compensation":[164306,18272,63922,0,2475,0],"Other compensation":[29695,0,19597,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.","year":2022,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":5,"Number of independent voting members":3,"Number of employees total":16,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":16,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1123302,"Contributions":{"value":163210,"Other contributions":163210,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":941367,"Total revenue":{"value":941367,"CLIENT FEES":649253,"FAIR SHARE":287157,"US TRUSTEES OFFICE":4957},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":18725,"Investment income total":18725,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1296170,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":802443,"Current officers":298267,"Disqualified persons":0,"Other salaries and wages":399626,"Pension plan contributions":14563,"Other employee benefits":43317,"Payroll taxes":46670},"Other expenses":{"value":493727,"Management services":0,"Legal":0,"Accounting":25320,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":93821,"Office expenses":76667,"Information technology":36792,"Royalties":0,"Occupancy":124332,"Travel":11742,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4472,"Insurance":25867,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":70639,"LOCATOR SERVICE FEES":22644,"EQUIPMENT EXPENSE":19591,"LICENSES AND PERMITS":16823,"EFT AND BANK SERVICE CH":11581},"All other expenses":24075},"Functional Expenses":{"value":null,"Program Service Expenses":825535,"Management And General Expenses":470635,"Fundraising Expenses":0}},"Assets":{"value":2208561,"Non-interest bearing cash":1667362,"Savings and temp cash investments":107033,"Pledges and grants receivable":0,"Accounts receivable":97523,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":14695,"Land, building, equipment":18522,"Investments publicly traded":160666,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":142760},"Liabilities":{"value":281723,"Sum of Total Liabilities":0,"Accounts payable, accrued":32603,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":107033,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":142087},"Fund balance":{"value":1926838,"Net assets without donor restriction":1926838,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.636903338296674,"percentile":0.5074905544859143},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.15389271985628086,"percentile":0.1783768614168565},"Liabilities to Assets Ratio":{"score":0.1275595285799215,"percentile":0.3008604909927847},"Operating Reserve Ratio":{"score":1.7039130669588094,"percentile":0.5734303721773658},"Officer Compensation Ratio":{"score":0.23011410540284066,"percentile":0.26737212869838883},"Program Expense Growth":{"score":-0.10820045891496947,"percentile":0.13467683403870262},"Revenue Growth":{"score":-0.019127175351316424,"percentile":0.299193051445875},"Asset Growth":{"score":-0.060677331452668445,"percentile":0.14751850874741052},"Independent Voting Board Pct":{"score":0.6,"percentile":0.14358321820463743},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.35060243962074383,"percentile":0.05242718407769965}},"source_xml":"202321679349300237_public.xml"},{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","KATIE OCHANPAUGH","DAVID SHELLEDY","LARRY MCINTOSH","REA ROE"],"Title":["PRESIDENT","SECRETARY","TREASURER","CHAIRMAN","DIRECTOR","DIRECTOR"],"Hours":[40.0,5.0,32.0,1.0,1.0,1.0],"Total Compensation":[195564,16371,69178,0,0,0],"Direct compensation":[167484,16371,59931,0,0,0],"Other compensation":[28080,0,9247,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.","year":2020,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":5,"Number of independent voting members":3,"Number of employees total":17,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":17,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1621873,"Contributions":{"value":275611,"Other contributions":142111,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":133500,"Related organizations":0},"Program revenue":{"value":1334501,"Total revenue":{"value":1334501,"CLIENT FEES":880357,"FAIR SHARE":450492,"US TRUSTEES OFFICE":3652},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":11761,"Investment income total":11761,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1402616,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":909551,"Current officers":281113,"Disqualified persons":0,"Other salaries and wages":497576,"Pension plan contributions":18423,"Other employee benefits":61365,"Payroll taxes":51074},"Other expenses":{"value":493065,"Management services":0,"Legal":0,"Accounting":22619,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":84284,"Office expenses":78493,"Information technology":41126,"Royalties":0,"Occupancy":127768,"Travel":6044,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":3152,"Insurance":30460,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":78532,"LOCATOR SERVICE FEES":31713,"EQUIPMENT EXPENSE":18422,"EFT AND BANK SERVICE CH":16318,"LICENSES AND PERMITS":12079},"All other expenses":20587},"Functional Expenses":{"value":null,"Program Service Expenses":978551,"Management And General Expenses":424065,"Fundraising Expenses":0}},"Assets":{"value":2214596,"Non-interest bearing cash":1779544,"Savings and temp cash investments":78732,"Pledges and grants receivable":0,"Accounts receivable":144319,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":24345,"Land, building, equipment":10910,"Investments publicly traded":176746,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":105318,"Sum of Total Liabilities":0,"Accounts payable, accrued":26586,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":78732,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":2109278,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6976613698973917,"percentile":0.5354625683742438},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1351875270135208,"percentile":0.678330292240434},"Liabilities to Assets Ratio":{"score":0.04755630372311699,"percentile":0.39271802737642836},"Operating Reserve Ratio":{"score":1.578903990828566,"percentile":0.5525977924761012},"Officer Compensation Ratio":{"score":0.2004204999800373,"percentile":0.31333590877279005},"Program Expense Growth":{"score":-0.12204818194423259,"percentile":0.1251018636659266},"Revenue Growth":{"score":-0.008313573017477234,"percentile":0.33620131410856724},"Asset Growth":{"score":-0.09220724578225474,"percentile":0.11098407632329799},"Independent Voting Board Pct":{"score":0.6,"percentile":0.14358321820463743},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.44839343660739966,"percentile":0.20807866117455404}},"source_xml":"202111559349300911_public.xml"},{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","REA ROE","LARRY MCINTOSH","DAVID SHELLEDY","MAXINE SIELEMAN","FRED NORRIS","KATIE OCHANPAUGH"],"Title":["PRESIDENT","SECRETARY","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","TREASURER"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,32.0],"Total Compensation":[159366,90525,0,0,0,0,0,56596],"Direct compensation":[159366,90525,0,0,0,0,0,56596],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.","year":2015,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":5,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":7,"Number of independent voting members":5,"Number of employees total":19,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":19,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1127839,"Contributions":{"value":175007,"Other contributions":175007,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":957855,"Total revenue":{"value":957855,"CLIENT FEES":651760,"FAIR SHARE":291865,"US TRUSTEES OFFICE - B":14230},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":-5023,"Investment income total":3639,"Net investment gain":-8662,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1855038,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1016138,"Current officers":306487,"Disqualified persons":0,"Other salaries and wages":562117,"Pension plan contributions":0,"Other employee benefits":147534,"Payroll taxes":0},"Other expenses":{"value":838900,"Management services":0,"Legal":22210,"Accounting":23570,"Lobbying services":0,"Investment management fees":0,"Other services":2129,"Advertising":0,"Office expenses":0,"Information technology":77478,"Royalties":0,"Occupancy":128133,"Travel":1391,"Conferences and meetings":954,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":32112,"Insurance":25521,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":398047,"CONSUMER EDUCATION":257244,"OTHER ADMIN. COSTS":66185,"MISCELLANEOUS":39193,"POSTAGE":35425},"All other expenses":127355},"Functional Expenses":{"value":null,"Program Service Expenses":1715183,"Management And General Expenses":139855,"Fundraising Expenses":0}},"Assets":{"value":2619018,"Non-interest bearing cash":2244400,"Savings and temp cash investments":199600,"Pledges and grants receivable":0,"Accounts receivable":49128,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":75352,"Investments publicly traded":0,"Investments other":37175,"Investments program related":0,"Intangible assets":0,"Other assets":13363},"Liabilities":{"value":269232,"Sum of Total Liabilities":0,"Accounts payable, accrued":199600,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":69632,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":2349786,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9246080134207494,"percentile":0.8089762593347458},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.6447719931656912,"percentile":0.059997607342970674},"Liabilities to Assets Ratio":{"score":0.10279883528864636,"percentile":0.32280825520743717},"Operating Reserve Ratio":{"score":1.411840619976518,"percentile":0.5213944945080684},"Officer Compensation Ratio":{"score":0.16521871789149334,"percentile":0.37885479551873535},"Program Expense Growth":{"score":-0.09947695366670677,"percentile":0.14157699950557026},"Revenue Growth":{"score":-0.2646625300461,"percentile":0.05487182975997599},"Asset Growth":{"score":-0.2038000525974869,"percentile":0.05271211639925345},"Independent Voting Board Pct":{"score":0.7142857142857143,"percentile":0.1656041307828256},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.39463547166995516,"percentile":0.1130801380614245}},"source_xml":"201632989349301363_public.xml"},{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","REA ROE","LARRY MCINTOSH","DAVID SHELLEDY","MAXINE SIELEMAN","FRED NORRIS","KATIE OCHANPAUGH","CARL COATES"],"Title":["PRESIDENT","SECRETARY","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","TREASURER","VICE-PRESIDENT"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,32.0,8.0],"Total Compensation":[162697,98490,0,0,0,0,0,59724,3656],"Direct compensation":[162697,98490,0,0,0,0,0,59724,3656],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.","year":2013,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":5,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":7,"Number of independent voting members":5,"Number of employees total":23,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":23,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1924352,"Contributions":{"value":368564,"Other contributions":368564,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1549657,"Total revenue":{"value":1549657,"FAIR SHARE":793363,"CLIENT FEES":742299,"US TRUSTEES OFFICE - B":13995},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6131,"Investment income total":6131,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2248460,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1171999,"Current officers":324567,"Disqualified persons":0,"Other salaries and wages":603156,"Pension plan contributions":0,"Other employee benefits":244276,"Payroll taxes":0},"Other expenses":{"value":1076461,"Management services":0,"Legal":29954,"Accounting":23150,"Lobbying services":0,"Investment management fees":0,"Other services":5775,"Advertising":0,"Office expenses":0,"Information technology":70692,"Royalties":0,"Occupancy":142442,"Travel":4810,"Conferences and meetings":14962,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":39279,"Insurance":23317,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":601736,"CONSUMER EDUCATION":386811,"OTHER ADMIN. COSTS":100229,"LOCATOR SERVICE FEES":73110,"MISCELLANEOUS":41586},"All other expenses":120344},"Functional Expenses":{"value":null,"Program Service Expenses":2092211,"Management And General Expenses":156249,"Fundraising Expenses":0}},"Assets":{"value":3967934,"Non-interest bearing cash":3510197,"Savings and temp cash investments":193261,"Pledges and grants receivable":0,"Accounts receivable":69662,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":129735,"Investments publicly traded":0,"Investments other":49588,"Investments program related":0,"Intangible assets":0,"Other assets":15491},"Liabilities":{"value":330745,"Sum of Total Liabilities":0,"Accounts payable, accrued":137484,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":193261,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":3637189,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9305084368856906,"percentile":0.8174508390194388},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.16842448782759079,"percentile":0.16896968397565848},"Liabilities to Assets Ratio":{"score":0.08335446103690233,"percentile":0.3429681777288347},"Operating Reserve Ratio":{"score":1.7647340846623911,"percentile":0.5828324669343299},"Officer Compensation Ratio":{"score":0.14435080010318174,"percentile":0.42551013481009226},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.7142857142857143,"percentile":0.1656041307828256},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.535620881312939,"percentile":0.4160767285225952}},"source_xml":"201412269349302291_public.xml"},{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","KATIE OCHANPAUGH","DAVID SHELLEDY","LARRY MCINTOSH","MAXINE SIELEMAN","REA ROE","FRED NORRIS"],"Title":["PRESIDENT","SECRETARY","TREASURER","CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,5.0,32.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[182768,8626,60015,0,0,0,0,0],"Direct compensation":[156883,8626,51515,0,0,0,0,0],"Other compensation":[25885,0,8500,0,0,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtness.","year":2018,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":5,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":8,"Number of independent voting members":5,"Number of employees total":18,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":18,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1416434,"Contributions":{"value":147732,"Other contributions":147732,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1257549,"Total revenue":{"value":1257549,"CLIENT FEES":786333,"FAIR SHARE":463276,"US TRUSTEES OFFICE":7940},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":11153,"Investment income total":11153,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1510230,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":903827,"Current officers":214213,"Disqualified persons":0,"Other salaries and wages":528877,"Pension plan contributions":31060,"Other employee benefits":77025,"Payroll taxes":52652},"Other expenses":{"value":606403,"Management services":0,"Legal":0,"Accounting":24080,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":66078,"Office expenses":63503,"Information technology":67869,"Royalties":0,"Occupancy":124461,"Travel":7023,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":11651,"Insurance":21085,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":169050,"LOCATOR SERVICE FEES":99951,"MISCELLANEOUS":35209,"EQUIPMENT EXPENSE":22008,"EFT AND BANK SERVICE CH":11882},"All other expenses":51603},"Functional Expenses":{"value":null,"Program Service Expenses":1074072,"Management And General Expenses":436158,"Fundraising Expenses":0}},"Assets":{"value":2032304,"Non-interest bearing cash":1655979,"Savings and temp cash investments":216447,"Pledges and grants receivable":0,"Accounts receivable":30660,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":19233,"Land, building, equipment":6537,"Investments publicly traded":103448,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":281850,"Sum of Total Liabilities":0,"Accounts payable, accrued":65403,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":216447,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":1750454,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7111976321487455,"percentile":0.5440545624451193},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.0662198168075604,"percentile":0.2621583763682116},"Liabilities to Assets Ratio":{"score":0.1386849605177178,"percentile":0.2920585251862813},"Operating Reserve Ratio":{"score":1.3456917158313635,"percentile":0.5078507410384138},"Officer Compensation Ratio":{"score":0.16647067003039273,"percentile":0.37624093610549597},"Program Expense Growth":{"score":-0.14271414435473462,"percentile":0.11323340768345529},"Revenue Growth":{"score":-0.05750412842923903,"percentile":0.20519248983230262},"Asset Growth":{"score":-0.14127783304634045,"percentile":0.07750670273607327},"Independent Voting Board Pct":{"score":0.625,"percentile":0.14540588280494296},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.36215266007900054,"percentile":0.06702186612505483}},"source_xml":"201941499349300124_public.xml"},{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","REA ROE","LARRY MCINTOSH","DAVID SHELLEDY","MAXINE SIELEMAN","FRED NORRIS","KATIE OCHANPAUGH"],"Title":["PRESIDENT","SECRETARY","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","TREASURER"],"Hours":[40.0,5.0,1.0,1.0,1.0,1.0,1.0,32.0],"Total Compensation":[163280,2280,0,0,0,0,0,61806],"Direct compensation":[163280,2280,0,0,0,0,0,61806],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.","year":2016,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":5,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":7,"Number of independent voting members":5,"Number of employees total":21,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":21,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1248621,"Contributions":{"value":198110,"Other contributions":198110,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1043782,"Total revenue":{"value":1043782,"CLIENT FEES":671923,"FAIR SHARE":360998,"US TRUSTEES OFFICE - B":10861},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6729,"Investment income total":6729,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1506928,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":875349,"Current officers":227368,"Disqualified persons":0,"Other salaries and wages":545999,"Pension plan contributions":0,"Other employee benefits":101982,"Payroll taxes":0},"Other expenses":{"value":631579,"Management services":0,"Legal":5280,"Accounting":20135,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":56120,"Royalties":0,"Occupancy":124804,"Travel":2799,"Conferences and meetings":6075,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":30813,"Insurance":24794,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":264415,"LOCATOR SERVICE FEES":154555,"OTHER ADMIN. COSTS":40682,"CONSUMER EDUCATION":35854,"TELEPHONE":33324},"All other expenses":96344},"Functional Expenses":{"value":null,"Program Service Expenses":1413302,"Management And General Expenses":93626,"Fundraising Expenses":0}},"Assets":{"value":2371541,"Non-interest bearing cash":2012075,"Savings and temp cash investments":200783,"Pledges and grants receivable":0,"Accounts receivable":61400,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":44539,"Investments publicly traded":0,"Investments other":39775,"Investments program related":0,"Intangible assets":0,"Other assets":12969},"Liabilities":{"value":280062,"Sum of Total Liabilities":0,"Accounts payable, accrued":200783,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":79279,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":2091479,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9378696261533398,"percentile":0.8279577147092232},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.20687382320175618,"percentile":0.1479925627904332},"Liabilities to Assets Ratio":{"score":0.11809283499631675,"percentile":0.3088861139925242},"Operating Reserve Ratio":{"score":1.573758666638353,"percentile":0.551696465362868},"Officer Compensation Ratio":{"score":0.15088046675089983,"percentile":0.41018692122818184},"Program Expense Growth":{"score":-0.12393147920294803,"percentile":0.12393519799897344},"Revenue Growth":{"score":-0.16390789830319072,"percentile":0.09312622503010344},"Asset Growth":{"score":-0.17923714358282414,"percentile":0.060863899482649426},"Independent Voting Board Pct":{"score":0.7142857142857143,"percentile":0.1656041307828256},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.41911765561809483,"percentile":0.15363483157190158}},"source_xml":"201721529349300332_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["THOMAS COATES","LEE ANN COATES","KATIE OCHANPAUGH","DAVID SHELLEDY","RICHARD PIATT","MARK KIRKLAND","LINDA JACOB"],"Title":["PRESIDENT","SECRETARY","TREASURER","CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,5.0,32.0,1.0,1.0,1.0,1.0],"Total Compensation":[138818,18487,87832,0,3949,0,0],"Direct compensation":[109360,18487,67541,0,3949,0,0],"Other compensation":[29458,0,20291,0,0,0,0]},"Basic":{"value":null,"mission":"Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.","year":2024,"name":"CONSUMER CREDIT OF DES MOINES","phone":5152876428,"website":"WWW.CONSUMERCREDIT-DM.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS COATES","year_formation":1987,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"6129 SW 63RD STREET, DES MOINES, IA, 50321, USA","city":"DES MOINES","state":"IA","country":"USA","zip_code":50321},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":7,"Number of independent voting members":4,"Number of employees total":16,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":16,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1462736,"Contributions":{"value":155541,"Other contributions":155541,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1266167,"Total revenue":{"value":1266167,"CLIENT FEES":876994,"FAIR SHARE":386059,"US TRUSTEES OFFICE":3114},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":41028,"Investment income total":41028,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1300327,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":773048,"Current officers":249086,"Disqualified persons":0,"Other salaries and wages":419284,"Pension plan contributions":10441,"Other employee benefits":47779,"Payroll taxes":46458},"Other expenses":{"value":527279,"Management services":0,"Legal":828,"Accounting":22900,"Lobbying services":0,"Investment management fees":0,"Other services":6125,"Advertising":73879,"Office expenses":94462,"Information technology":44656,"Royalties":0,"Occupancy":129196,"Travel":9296,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4165,"Insurance":28943,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":84159,"LOCATOR SERVICE FEES":34462,"EQUIPMENT EXPENSE":19826,"LICENSES AND PERMITS":16044,"EMPLOYEE EDUCATION":13827},"All other expenses":28670},"Functional Expenses":{"value":null,"Program Service Expenses":845297,"Management And General Expenses":455030,"Fundraising Expenses":0}},"Assets":{"value":2340899,"Non-interest bearing cash":1720438,"Savings and temp cash investments":175811,"Pledges and grants receivable":0,"Accounts receivable":35300,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":18365,"Land, building, equipment":9453,"Investments publicly traded":196712,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":184820},"Liabilities":{"value":415872,"Sum of Total Liabilities":0,"Accounts payable, accrued":55914,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":175811,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":184147},"Fund balance":{"value":1925027,"Net assets without donor restriction":1925027,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6500649452022453,"percentile":0.512542192648208},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11103097209612671,"percentile":0.6416125856205389},"Liabilities to Assets Ratio":{"score":0.17765482406545519,"percentile":0.26476300855574836},"Operating Reserve Ratio":{"score":1.8002387091862277,"percentile":0.5882038510918689},"Officer Compensation Ratio":{"score":0.19155643157451932,"percentile":0.32850576812156207},"Program Expense Growth":{"score":-0.0928645305988455,"percentile":0.14734348985133688},"Revenue Growth":{"score":-0.01691260791801605,"percentile":0.3062809730865033},"Asset Growth":{"score":-0.04375080479431647,"percentile":0.17767696611021505},"Independent Voting Board Pct":{"score":0.5714285714285714,"percentile":0.13672735574814468},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.43460295270391847,"percentile":0.18159768961697534}},"source_xml":"202531349349307383_public.xml"},"sector":"Human Services","donation_categories":[],"zakat_policy":null},"error":null}