2026-07-29T15:24:18-04:00 2025-12-31 460257538 KETEL THORSTENSON LLP PO BOX 3140 RAPID CITY SD 577093140 990 2025-01-01 237364664 RUSHMORE CONSUMER CREDIT RESOURCE CENTER RUSH 6053484550 2310 NORTH MAPLE AVENUE RAPID CITY SD 577017849 THOMAS MAREINA EXECUTIVE DIRECTOR 6057211748 2026-07-29 true JEANETTE SCHROEDER CPA P00479382 6053425630 2026-07-29 2025 2025-03-06 01:10:19Z THOMAS MAREINA 2310 N MAPLE AVE RAPID CITY SD 57701 416618 false X WWW.CCCSBH.COM X 1974 SD TO PROVIDE UNDERSERVED INDIVIDUALS AND FAMILIES WITH TRAINING, COUNSELING, AND FINANCIAL LITERACY. CREATING A BRIGHTER FINANCIAL FUTURE FOR ALL PEOPLE. 12 12 4 12 0 226358 230532 40414 44193 509890 51253 85016 77694 861678 403672 540 270 0 216905 254733 0 0 134495 132461 351940 387464 509738 16208 1518381 1497238 101116 63766 1417265 1433472 X TO PROVIDE UNDERSERVED INDIVIDUALS AND FAMILIES WITH TRAINING, COUNSELING, AND FINANCIAL LITERACY. CREATING A BRIGHTER FINANCIAL FUTURE FOR ALL PEOPLE. false false 296189 270 44193 CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILS PROVIDES COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: HOMELESS ASSISTANCE, RENTAL TOPICS, PREPURCHASE/HOMEBUYING, HOME MAINTENANCE AND FINANCIAL MANAGEMENT NON-DELINQUENT POST PURCHASE, AND RESOLVING OR PREVENTING MORTGAGE DELINQUENCY OF DEFAULT. A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 2 HOURS. THE CONTENT OF THE COUNSELING IS TAILORED TO FIT EACH INDIVIDUAL CLIENT, AS EACH SITUATION AND NEEDS ARE DIFFERENT. THE ACTION PLAN INCLUDES ISSUES AND CAUSES, INFORMATION ON THE CLIENTS INDIVIDUAL CIRCUMSTANCES, THE CLIENTS SHORT AND LONG-TERM GOALS, AND ACTION STEPS TO INCLUDE OPTIONS, SUGGESTIONS, AND REFERRALS TO OTHER SERVICES OR ORGANIZATIONS IF WE CANNOT PROVIDE THESE NEEDED SERVICES. WE PROVIDED HOUSING AND FINANCIAL COUNSELING FOR 440 HOUSEHOLDS AND DMP CLIENTS. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES, THE FINANCIAL ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAM IS A VIABLE OPTION THAT MAY HELP THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS. OUR DEBT MANAGEMENT CLIENTS REPAID OVER 480,082. 28326 77694 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. 324515 true true false false false false false false true false true false false false true true true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 3 0 4 true false false false false false false false false false false false false X 12 12 false false true false false false false true true false false true true true true true true true true false X X BONNIE SPAIN 6053484550 2310 N MAPLE AVENUE RAPID CITY SD 57701 THOMAS MAREINA EXECUTIVE DI 47.50 X 62700 0 1355 BONNIE SPAIN ASSISTANT DI 20.00 X 60523 0 1325 DEEANN M DIETRICH CHAIRWOMAN 2.00 X X 0 0 0 CAROLYN A TEIGEN VICE CHAIRWO 2.00 X X 0 0 0 MELISSA K MONTGOMERY TREASURER 2.00 X X 0 0 0 KATHERINE DENISON SECRETARY 2.00 X X 0 0 0 ELTON J FINCK BOARD MEMBER 1.00 X 0 0 0 CURTIS S JENSEN BOARD MEMBER 1.00 X 0 0 0 RICK S KAHLER BOARD MEMBER 1.00 X 0 0 0 DAPHNE G PEREZ BOARD MEMBER 1.00 X 0 0 0 TINA M RAWSTERN BOARD MEMBER 1.00 X 0 0 0 AMY R THOMPSON BOARD MEMBER 1.00 X 0 0 0 COREY R WEBER BOARD MEMBER 1.00 X 0 0 0 STEVE GEISE BOARD MEMBER 1.00 X 0 0 0 123223 2680 false false false 19000 177460 34072 230532 DEBT MANAGEMENT REVENUE 541990 44193 44193 44193 51253 51253 90640 12946 77694 77694 403672 121887 51253 270 270 125904 100723 25181 96459 95453 1006 1732 1172 560 14395 13234 1161 16243 14294 1949 21367 21367 14572 14572 13484 10229 3255 48295 42500 5795 6005 6005 943 740 203 467 397 70 4930 4065 865 12690 11167 1523 DUES 8511 8511 MISCELLANEOUS & TAXES 1197 1183 14 387464 324515 62949 0 62472 50716 1314066 1332701 57423 50397 3679 1509 14109 21017 267 1325 48455 44159 2334 4296 64031 35277 1518381 1497238 37778 29332 63338 34434 101116 63766 X 1404871 1421495 12394 11977 1417265 1433472 1518381 1497238 X 16208 -1 X false true X true false X 231607 177242 203717 226358 230532 1069456 231607 177242 203717 226358 230532 1069456 58608 1010848 20457 21068 21031 49454 51253 163263 237 422 1430 2089 1234808 705924 0.81860 0.84860 X PART II, LINE 10 MISCELLANEOUS INCOME 2,089 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false false 48455 44159 4296 4296 LEASE LIABILITY 34434 34434 X 403672 403672 403672 387465 387465 -1 -1 387464 SCHEDULE D, PAGE 3, PART X AT DECEMBER 31, 2025 AND 2024, THE ORGANIZATION BELIEVES THERE ARE NO SIGNIFICANT UNCERTAIN TAX POSITIONS OR LIABILITIES, OR INTEREST AND PENALTIES ASSOCIATED WITH UNCERTAIN TAX POSITIONS. SCHEDULE D, PAGE 4, PART XII, LINE 4B ROUNDING -1 FORM 990, PAGE 2, PART III, LINE 4A CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILS PROVIDES COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: HOMELESS ASSISTANCE, RENTAL TOPICS, PREPURCHASE/HOMEBUYING, HOME MAINTENANCE AND FINANCIAL MANAGEMENT NON-DELINQUENT POST PURCHASE, AND RESOLVING OR PREVENTING MORTGAGE DELINQUENCY OF DEFAULT. A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 2 HOURS. THE CONTENT OF THE COUNSELING IS TAILORED TO FIT EACH INDIVIDUAL CLIENT, AS EACH SITUATION AND NEEDS ARE DIFFERENT. THE ACTION PLAN INCLUDES ISSUES AND CAUSES, INFORMATION ON THE CLIENTS INDIVIDUAL CIRCUMSTANCES, THE CLIENTS SHORT AND LONG-TERM GOALS, AND ACTION STEPS TO INCLUDE OPTIONS, SUGGESTIONS, AND REFERRALS TO OTHER SERVICES OR ORGANIZATIONS IF WE CANNOT PROVIDE THESE NEEDED SERVICES. WE PROVIDED HOUSING AND FINANCIAL COUNSELING FOR 440 HOUSEHOLDS AND DMP CLIENTS. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES, THE FINANCIAL ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAM IS A VIABLE OPTION THAT MAY HELP THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS. OUR DEBT MANAGEMENT CLIENTS REPAID OVER 480,082. FORM 990, PAGE 2, PART III, LINE 4B 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. FORM 990, PART VI BOARD OF DIRECTORS COMPOSITION: THE MINIMUM NUMBER OF DIRECTORS REQUIRED TO MANAGE THE AFFAIRS OF THE CORPORATION WAS REDUCED. THE PREVIOUS REQUIREMENT WAS A BOARD OF NOT LESS THAN 12 NOR MORE THAN 17 DIRECTORS; THE UPDATED REQUIREMENT IS NOT LESS THAN 8 NOR MORE THAN 17 DIRECTORS. QUORUM REQUIREMENTS: THE DEFINITION OF QUORUM FOR BOARD ACTIONS WAS MODIFIED FROM A FIXED NUMBER TO A PERCENTAGE-BASED FORUMULA. THE 2024 REQUIREMENT WAS A QUORUM OF 7 DIRECTORS. THE 2025 UPDATE DEFINES A QUORUM AS 50% OF THE DIRECTORS PLUS ONE. ANNUAL MEETING SCHEDULE: THE DEADLINE FOR THE ANNUAL MEETING WAS CHANGED. THE 2024 BYLAWS REQUIRED THE ANNUAL MEETING TO BE HELD NO LATER THAN SEPTEMBER 15 OF EACH YEAR. THE 2025 UPDATE REMOVES THIS SPECIFIC DATE, REQUIRING ONLY THAT THE MEETING BE HELD ONCE PER CALENDAR YEAR. REGULAR MEETING FREQUENCY: THE 2025 BYLAWS ADDED A SPECIFIC FREQUENCY REQUIREMENT FOR REGULAR MEETINGS, STATING THEY MUST OCCUR -NOT LESS THAN EIGHT TIMES PER YEAR". FINANCIAL DOCUMENTATION: THE 2025 UPDATE INTRODUCED A REQUIREMENT THAT FOR TRANSACTIONS DETERMINED BY RESOLUTION (IN THE ABSENCE OF A SIGNED CONTRACT), DOCUMENTATION MUST BE KEPT IN THE BOARD FILE FOR THE MONTH THE WRITTEN APPROVAL WAS GIVEN. FORM 990, PAGE 6, PART VI, LINE 4 SEE SCHEDULE O, SUPPLEMENTAL INFORMATION FORM 990, PAGE 6, PART VI, LINE 11B IT IS OUR POLICY TO PROVIDE THE 990 TO THE FULL BOARD PRIOR TO FILING. COPIES ARE DISTRIBUTED AT A REGULAR BOARD MEETING AND APPROVED BY THE FULL BOARD PRIOR TO FILING. THE BOARD CHAIRMAN OR THE CEO SIGNS THE 990. FORM 990, PAGE 6, PART VI, LINE 12C BOARD MEMBERS SIGN A BOARD PLEDGE ANNUALLY. BOARD MEMBERS AND KEY STAFF ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST AND SIGN A CONFLICT OF INTEREST FORM ANNUALLY. IF A BOARD MEMBER HAS A POTENTIAL CONFLICT OF INTEREST, THEY MUST RECUSE THEMSELVES FROM PARTICIPATING IN ANY VOTE TAKEN IN RESPECT TO SUCH TRANSACTION OR SERVICE OF INTEREST. AFTER DISCLOSING THE POSSIBLE CONFLICT, THE BOARD INVESTIGATES ALTERNATIVES TO THE PROPOSED TRANSACTION. FORM 990, PAGE 6, PART VI, LINE 15A THE CEO PREPARES A COMPENSATION ANALYSIS EACH YEAR BASED ON REGIONAL DATA. THIS ANALYSIS IS REVIEWED BY THE PERSONNEL COMMITTEE AND ADJUSTMENTS ARE MADE AS NECESSARY. THE PERSONNEL COMMITTEE THEN RECOMMENDS A RANGE OF SALARY INCREASES BASED ON THE BUDGET FOR APPROVAL BY THE FULL BOARD OF DIRECTORS. FORM 990, PAGE 6, PART VI, LINE 15B THE CEO PREPARES A COMPENSATION ANALYSIS EACH YEAR BASED ON REGIONAL DATA. THIS ANALYSIS IS REVIEWED BY THE PERSONNEL COMMITTEE AND ADJUSTMENTS ARE MADE AS NECESSARY. THE PERSONNEL COMMITTEE THEN RECOMMENDS A RANGE OF SALARY INCREASES BASED ON THE BUDGET FOR APPROVAL BY THE FULL BOARD OF DIRECTORS. FORM 990, PAGE 6, PART VI, LINE 19 THESE DOCUMENTS ARE PROVIDED TO THE UNITED WAY AS WELL AS THE COUNCIL ON ACCREDIDATION FOR CHILDREN AND FAMILIES, HUD, SD HOUSING DEVELOPMENT AUTHORITY, AND THE NATIONAL FOUNDATION FOR CREDIT COUNSELING. THEY ARE ALSO AVAILABLE UPON REQUEST. THE AUDITED FINANCIAL STATEMENTS AND FORM 990 ARE ALSO AVAILABLE ON THE ORGANIZATION'S WEBSITE. FORM 990, PART XI, LINE 9 ROUNDING -1