Nonprofit · EIN 23-7364664
RUSHMORE CONSUMER CREDIT RESOURCE CENTER
Also known as NATIONAL FOUNDATION FOR CONSUMER CR
Tax-exempt · RAPID CITY, SD 57701
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $403,672 | $387,464 | $16,208 | $1,497,238 | $63,766 | $1,433,472 |
| December 31, 2024 | 990 | $861,678 | $351,940 | $509,738 | $1,518,381 | $101,116 | $1,417,265 |
| December 31, 2023 | 990 | $348,125 | $353,524 | -$5,399 | $1,126,274 | $218,742 | $907,532 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $230,532
- of which government grants
- $177,460
- Program service revenue
- $44,193
- Investment income
- $51,253
- Net income from sales of inventory
- $77,694
- Other revenue
- $77,694
Expenses
- Grants and similar amounts paid
- $270
- Compensation of officers, directors and key employees
- $125,904
- Other salaries and wages
- $96,459
- Salaries, compensation and benefits (total)
- $254,733
- Professional fundraising fees
- $0
- Accounting fees
- $21,367
- Occupancy
- $48,295
- Travel
- $6,005
- Depreciation
- $4,930
- Program services (functional)
- $324,515
- Management and general (functional)
- $62,949
Balance sheet and other
- Total assets, start of year
- $1,518,381
- Total assets, end of year
- $1,497,238
- Total liabilities, end of year
- $63,766
- Net assets, end of year
- $1,433,472
- Land, buildings and equipment
- $4,296
- Net assets without donor restrictions
- $1,421,495
- Net assets with donor restrictions
- $11,977
- Gross receipts
- $416,618
- Employees
- 4
- Volunteers
- 12
- Year formed
- 1974
- State of legal domicile
- SD
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| THOMAS MAREINA | EXECUTIVE DI Officer | 47.5 | $62,700 | $1,355 |
| BONNIE SPAIN | ASSISTANT DI Officer | 20 | $60,523 | $1,325 |
| DEEANN M DIETRICH | CHAIRWOMAN Trustee or director, Officer | 2 | $0 | $0 |
| CAROLYN A TEIGEN | VICE CHAIRWO Trustee or director, Officer | 2 | $0 | $0 |
| MELISSA K MONTGOMERY | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| KATHERINE DENISON | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| ELTON J FINCK | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CURTIS S JENSEN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RICK S KAHLER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| DAPHNE G PEREZ | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| TINA M RAWSTERN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| AMY R THOMPSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| COREY R WEBER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| STEVE GEISE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 13 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BONNIE SPAIN | EXECUTIVE DI Officer | 40 | $84,411 | $317 |
| DEEANN M DIETRICH | CHAIRWOMAN Trustee or director, Officer | 2 | $0 | $0 |
| CAROLYN A TEIGEN | VICE CHAIRWO Trustee or director, Officer | 2 | $0 | $0 |
| MELISSA K MONTGOMERY | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| KATHERINE DENISON | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| ELTON J FINCK | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CURTIS S JENSEN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RICK S KAHLER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| DAPHNE G PEREZ | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| TINA M RAWSTERN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| AMY R THOMPSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| COREY R WEBER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RICK L BRADY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 13 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BONNIE SPAIN | EXECUTIVE DI Officer | 40 | $78,620 | $3,805 |
| DEEANN M DIETRICH | CHAIRWOMAN Trustee or director, Officer | 2 | $0 | $0 |
| CAROLYN A TEIGEN | VICE CHAIRWO Trustee or director, Officer | 2 | $0 | $0 |
| MELISSA K MONTGOMERY | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| KATHERINE D LEE | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| RICK L BRADY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ELTON J FINCK | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CURTIS S JENSEN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RICK S KAHLER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| DAPHNE G PEREZ | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| TINA M RAWSTERN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| AMY R THOMPSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| COREY R WEBER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2310 N MAPLE AVE, RAPID CITY, SD 57701-7849
- In care of
- % THOMAS MAREINA
- Principal officer (990 for 2025)
- THOMAS MAREINA, 2310 N MAPLE AVE, RAPID CITY, SD 57701
- Signed the 990
- THOMAS MAREINA, EXECUTIVE DIRECTOR
- Phone
- (605) 348-4550
- Website
- WWW.CCCSBH.COM
- Return prepared by
- KETEL THORSTENSON LLP
Mission
TO PROVIDE UNDERSERVED INDIVIDUALS AND FAMILIES WITH TRAINING, COUNSELING, AND FINANCIAL LITERACY. CREATING A BRIGHTER FINANCIAL FUTURE FOR ALL PEOPLE.
Program accomplishments
- 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.Expenses $296,189 · grants $270 · revenue $44,193
- 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.Expenses $28,326 · revenue $77,694
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 23-7364664
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Exempt since
- 1974
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Group exemption
- 2545: NATIONAL FOUNDATION FOR CREDIT COUNSELING INC
- Assets (IRS master file)
- $1,497,238
- Income (IRS master file)
- $416,618
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $403,672 | $387,464 | $1,497,238 | XML |
| 990 | December 2024 | $861,678 | $351,940 | $1,518,381 | XML |
| 990 | December 2023 | $348,125 | $353,524 | $1,126,274 | XML |
| 990 | December 2022 | $326,130 | $344,221 | $1,146,288 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 23-7364664).
Questions about RUSHMORE CONSUMER CREDIT RESOURCE CENTER
- What is the EIN of RUSHMORE CONSUMER CREDIT RESOURCE CENTER?
- The employer identification number (EIN) of RUSHMORE CONSUMER CREDIT RESOURCE CENTER is 23-7364664.
- Is RUSHMORE CONSUMER CREDIT RESOURCE CENTER tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1974.
- Which annual return does RUSHMORE CONSUMER CREDIT RESOURCE CENTER file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of RUSHMORE CONSUMER CREDIT RESOURCE CENTER due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did RUSHMORE CONSUMER CREDIT RESOURCE CENTER last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of RUSHMORE CONSUMER CREDIT RESOURCE CENTER?
- The 990 for the year ended December 31, 2025 names THOMAS MAREINA.
- Who are the officers and directors of RUSHMORE CONSUMER CREDIT RESOURCE CENTER?
- The 990 for the year ended December 31, 2025 lists 14 people; 2 received compensation from the organization, the highest $62,700 (THOMAS MAREINA, EXECUTIVE DI).
- How much revenue does RUSHMORE CONSUMER CREDIT RESOURCE CENTER have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $403,672, expenses of $387,464 and total assets of $1,497,238 at year end.
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