Rushmore Consumer Credit Resource Center

What it reported doing in 2025

The american center for credit education develops and publishes financial education programs including credit when credit is due, make your move: a guide to homeownership, money in motion, start right: build your own business, rebuilding your credit, and the ten steps to buying a car. We also distribute these programs nationwide to non-profit credit counseling agencies, housing counseling agencies, and community action agencies. We have distributed 1,941,706 financial literacy programs. Locally, we are deeply committed to promoting financial literacy to the underserved populations within our communities. Our approach prioritizes breaking barriers to access and meeting individuals where they are with targeted partnerships and programs: we reach individuals and families often overlooked by mainstream services. We collaborate with oneheart, cornerstone womens apartments, the va, and volunteers of america, to ensure people experiencing homelessness receive the counseling and education they need. Recognizing the diversity of challenges faced by individuals, we address the needs of those struggling with addiction partnering with lss, and northern hills drug court. Similarly, we support at- risk youth through job corps and family connections, and single parents through catholic social services uplifting parents program. Inclusion for marginalized groups: our work extends to incarcerated individuals through partnerships with pennington county jail, the rapid city work center, the pennington county juvenile service center, and the womens prison, helping them reintegrate into society with better tools and resources. We work with ellsworth air force base and the department of labors tanf program to serve working families, military personnel, and those facing economic hardship. Building intentional partnerships and tailoring our services to meet the unique needs of these populations, we strive to foster a sense of belonging, empowerment, and opportunity for all. In 2025, locally we reached 961 individuals with classes and 574 with online programs.

Financial Efficiency

• Mission deployment rate: 99.6%; rating input score 100
• Program expense ratio: 83.8%; rating input score 84
• Fundraising efficiency: Limited

Transparency & Controls

• Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
• Pay-setting controls: Limited
• Foreign activity oversight: Limited
• Grant itemization coverage: Limited
• Major donor itemization: Yes; rating input score 100
• Related-party transparency: Limited

Accountability

• Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
• Governance controls: 8 of 8 controls in place; rating input score 100
  • Conflict-of-interest policy: Pass
  • Whistleblower policy: Pass
  • Document-retention policy: Pass
  • CEO compensation review process: NotApplicable
  • Other executive compensation review process: Pass
  • Form 990 shared with the board: Pass
  • Board meeting minutes documented: Pass
  • Audit committee oversight: Pass
  • Independent financial-statement audit: Pass

Sustainability

• Operating margin: 4%; rating input score 45; 45th percentile among comparable filings
• Total-asset coverage ratio: 3.86; rating input score 74; 74th percentile among comparable filings
• Liabilities to assets ratio: 0.04; rating input score 29; 29th percentile among comparable filings
• Officer compensation ratio: 32.5%; rating input score 9; 9th percentile among comparable filings

Growth

• Program expense growth: -7.1% per year; rating input score 0; 13th percentile among comparable filings
• Revenue growth: -5.3% per year; rating input score 0; 8th percentile among comparable filings
• Asset growth: -2.6% per year; rating input score 0; 14th percentile among comparable filings