SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC

EIN: 330656671 501(c)(3) Human Services

RIVERSIDE, CA

Total Revenue
$4,460,847
Total Expenses
$7,343,044
Total Assets
$5,270,422
Net Assets
$3,473,764
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1974
Legal Domicile
CA
Principal Officer
CYNTHIA WILLIAMS
Phone
8004318157
Tax Period
2024-01-01 to 2024-12-31

SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC, founded in 1974, is a community nonprofit in the Human Services sector that reported $4.5M in total revenue in fiscal year 2024. Revenue fell 55% from the prior year — a significant decline worth monitoring. Expenses of $7.3M exceeded revenue, resulting in a 65% operating deficit.

Mission

TO PROVIDE FINANCIAL EDUCATION AND COUNSELING SERVICES, PROMOTE FINANCIAL LITERACY AND RELIEVE THE BURDENS OF GOVERNMENT THROUGH VARIOUS INITIATIVES.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $1,833,497
Program Service Revenue $2,385,019
Investment Income $-135,198
Other Revenue $377,529
TOTAL REVENUE $4,460,847

Expense Breakdown

Grants Paid $0
Salaries & Benefits $2,898,872
Fundraising Expenses $0
Program Expenses $4,879,606
Other Expenses $4,444,172
TOTAL EXPENSES $7,343,044

Year-over-Year Comparison

2024 2023 Change
Revenue $4,460,847 $9,859,029 -0.5%
Expenses $7,343,044 $7,756,704 -0.1%
Net Income $-2,882,197 $2,102,325 -2.4%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
5
Independent Members
4
Employees
45
Volunteers
N/A

Governance Policies

✓ Conflict of Interest Policy
✓ Whistleblower Policy
✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
1
$200,700
Total Directors
5
$200,700
Key Employees
2
$356,756
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
STACIE ANCTIL DIRECTOR 1.00
Director
$0 $0 $0
MIKE FRASCHILLA DIRECTOR 1.00
Director
$0 $0 $0
ETHAN HORN TREASURER 1.00
Director
$0 $0 $0
CYNTHIA WILLIAMS PRESIDENT - CEO 50.00
Officer Director
$184,708 $15,992 $200,700
JOHN PERLSTEIN SECRETARY 1.00
Director
$0 $0 $0
ROBIN HILLARY CHIEF INNOVATION OFFICER 40.00
Key Emp
$150,462 $9,695 $160,157
MELINDA OPPERMAN CHIEF EXTERNAL AFFAIRS OFF 50.00
Key Emp
$180,800 $15,799 $196,599
MICHELLE TAYLOR VP OPERATIONS 40.00
Highest
$170,400 $15,471 $185,871
ANTHONY TODD EMERSON PRESIDENT-CEO 1.00
$42,519 $3,069 $45,588
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 No data No data No data No data
2024 $4,460,847 $7,343,044 $5,270,422 $-2,882,197
2023 $9,859,029 $7,756,704 $9,852,454 $2,102,325
2022 $6,984,946 $9,290,861 $7,401,716 $-2,305,915
2021 $5,993,379 $8,844,135 $8,795,796 $-2,850,756
2020 $4,176,877 $6,935,838 $11,029,605 $-2,758,961
2019 $14,955,902 $7,336,318 $11,413,185 $7,619,584
2018 $17,395,786 $18,368,367 $17,056,952 $-972,581
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