Nonprofit · EIN 46-0358693
BLACK HILLS CHILDRENS RANCH INC
Also known as PIONEER CREDIT COUNSELING
Tax-exempt · RAPID CITY, SD 57703
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $657,716 | $907,821 | -$250,105 | $430,872 | $453,489 | -$22,617 |
| December 31, 2023 | 990 | $876,698 | $1,056,654 | -$179,956 | $545,572 | $318,084 | $227,488 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $61,260
- of which government grants
- $61,260
- Program service revenue
- $691,680
- Investment income
- -$105,460
- Net gain from sales of assets
- -$107,826
- Other revenue
- $10,236
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $174,717
- Other salaries and wages
- $162,624
- Salaries, compensation and benefits (total)
- $363,475
- Professional fundraising fees
- $0
- Accounting fees
- $19,275
- Occupancy
- $144,306
- Travel
- $4,512
- Depreciation
- $14,296
- Program services (functional)
- $755,807
- Management and general (functional)
- $152,014
Balance sheet and other
- Total assets, start of year
- $545,572
- Total assets, end of year
- $430,872
- Total liabilities, end of year
- $453,489
- Net assets, end of year
- -$22,617
- Land, buildings and equipment
- $34,118
- Net assets without donor restrictions
- -$22,617
- Gross receipts
- $765,542
- Employees
- 8
- Volunteers
- 4
- Year formed
- 1980
- 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, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| LACA OSSENFORT | SECR/TREAS/A Officer | 45 | $70,278 |
| TODD OSSENFORT | PRES/COO Trustee or director, Officer | 45 | $52,513 |
| ANNIE EDWARDS | VP COUNSELIN Officer | 43 | $51,926 |
| MICHAEL ZARLE | DIRECTOR Trustee or director | 1 | $0 |
| LEON WIKLE | DIRECTOR Trustee or director | 1 | $0 |
| PAULO NACCARATI | DIRECTOR Trustee or director | 1 | $0 |
| ALAN MAAS | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 7 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| LACA OSSENFORT | SECR/TREAS/A Officer | 45 | $94,615 |
| TODD OSSENFORT | PRES/COO Trustee or director, Officer | 45 | $78,923 |
| ANNIE EDWARDS | VP COUNSELIN Officer | 43 | $51,750 |
| MICHAEL ZARLE | DIRECTOR Trustee or director | 1 | $0 |
| LEON WIKLE | DIRECTOR Trustee or director | 1 | $0 |
| PAULO NACCARATI | DIRECTOR Trustee or director | 1 | $0 |
| ALAN MAAS | DIRECTOR Trustee or director | 1 | $0 |
Address and contacts
- Address (IRS master file)
- 3620 HOMESTEAD ST STE 1, RAPID CITY, SD 57703-8102
- Principal officer (990 for 2024)
- TODD OSSENFORT, 3620 HOMESTEAD ST SUITE 1, RAPID CITY, SD 57703
- Signed the 990
- LACA OSSENFORT, SECR/TREAS/ADMINIST
- Phone
- (605) 348-1608
- Website
- WWW.PIONEERCREDIT.COM
- Return prepared by
- KETEL THORSTENSON LLP
Mission
TO PROVIDE FINANCIAL COUNSELING AND EDUCATION TO CONSUMERS THROUGH A BROAD RANGE OF FINANCIAL LIFE SKILLS, BUDGETING, RETIREMENT, HOUSING, STUDENT LOANS AND CREDIT, PRE-BANKRUPTCY COUNSELING, POST-BANKRUPTCY EDUCATION OR DEBT ISSUES THROUGH ONLINE DIGITAL COMMUNICATION (EX. ZOOM) FACE TO FACE COUNSELING SESSIONS, TELEPHONE SESSIONS, WORKSHOPS AND SEMINARS IN CONJUNCTION WITH THE CURRICULUM OF THE SIMPLIFIED GUIDE TO FINANCIAL LIFE SKILLS AND A NEW DAY ON-LINE EDUCATION. THROUGH OUR COUNSELING AND EDUCATION, HUNDREDS OF THOUSANDS OF INDIVIDUALS AND FAMILIES THROUGHOUT THE UNITED STATES HAVE GAINED THE TOOLS NECESSARY TO MANAGE THEIR FINANCIAL LIFE SKILLS.
Program accomplishments
- BLACK HILLS CHILDREN'S RANCH, INC D/B/A PIONEER CREDIT COUNSELING OFFERS SEVERAL OPTIONS TO CONSUMERS SEEKING HELP IN FINANCIAL EDUCATION, BUDGETING AND DEBT MANAGEMENT. A CONSUMER WILL INITIALLY VISIT WITH ONE OF OUR CERTIFIED CREDIT COUNSELORS (CERTIFIED THROUGH THE GUIDELINES OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING (NFCC) AND THE FINANCIAL COUNSELING ASSOCIATION OF AMERICA (FCAA)) TO DISCUSS THE GOALS OF THE CONSUMER. IF THEY ARE PRIMARILY SEEKING ASSISTANCE IN ESTABLISHING A MONTHLY BUDGET OR REVIEWING THEIR FINANCIAL SITUATION, THIS WILL BE DONE AT NO CHARGE TO THE CONSUMER AND CAN BE COMPLETED WITHIN AN HOUR OR TWO WHETHER FACE TO FACE OR BY PHONE DEPENDING ON THE CONSUMERS FINANCIAL SITUATION. WE ALSO PROVIDE CONSUMERS ON A DAILY BASIS WITH HOUSING COUNSELING (AT NO COST), REVERSE MORTGAGE (HECM) COUNSELING, STUDENT LOAN COUNSELING, PREBANKRUPTCY COUNSELING AND POST-BANKRUPTCY EDUCATION. THERE ARE SOME INSTANCES IN WHICH AFTER THEIR INITIAL CONSULTATION, THE CONSUMER DETERMINES THAT THEY WOULD LIKE OR NEED FURTHER ASSISTANCE IN REDUCING PAYMENTS TO UNSECURED CREDITORS OR DUE TO THEIR BUDGET NOT BEING WITHIN THEIR MEANS. IN SUCH SITUATIONS A CERTIFIED CREDIT COUNSELOR MAY RECOMMEND ENROLLMENT IN OUR DEBT MANAGEMENT PROGRAM AS A MEANS OF ADDITIONAL ASSISTANCE AND ONGOING COUNSELING. WE PROVIDE A WIDE RANGE OF INFORMATION THROUGH OUR STATE OF THE ART WEB-SITE 24/7, WHICH HAS ACCOUNT INFORMATION FOR THOSE THAT HAVE ENROLLED ON OUR DEBT MANAGEMENT PROGRAM IN ADDITION TO BEING AVAILABLE BY PHONE MONDAY-FRIDAY, 7:00 A.M. TO 7:00 PM AND SATURDAYS BY APPOINTMENT. BHCR D/B/A PIONEER CREDIT COUNSELING IS A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING AND ALSO A REGISTERED AGENCY THROUGH BUREAU VERITAS CERTIFICATION AND OPERATES A QUALITY MANAGEMENT SYSTEM IN COMPLIANCE WITH THE REQUIREMENTS OF THE INTERNATIONAL STANDARDS ORGANIATION 9001-2015 AND THE FCAA CODE OF PRACTICE, AS WELL AS A PARTICIPANT OF THE BETTER BUSINESS BUREAU CARE PROGRAM. BLACK HILLS CHILDREN'S RANCH, INC. D/B/A PIONEER CREDIT COUNSELING HAS HAD OVER 8,500 COUNSELING SESSIONS IN THE YEAR OF 2024 ALONE WITH AN ESTIMATED 700 OF THOSE CONSUMERS DETERMINING THEIR NEEDS TO ENROLL IN OUR DEBT MANAGEMENT PROGRAM. MANY OF OUR COUNSELING AND EDUCATIONAL SESSIONS ARE PROVIDED AT NO CHARGE TO THE PUBLIC. BLACK HILLS CHILDREN'S RANCH, INC. D/B/A PIONEER CREDIT COUNSELING PROVIDES ANYONE THAT IS IN NEED OF OUR EDUCATION PROGRAMS AND SERVICES, REGARDLESS OF THEIR ABILITY TO PAY. OUR LATEST EDUCATION PROGRAM, A NEW DAY, IS AVAILABLE 24 /7 AND IN 2024 THERE WERE OVER 6,000 CONSUMERS WHICH COMPLETED OUR COURSE. IN THE YEAR 2024, THE NUMBER OF ENROLLEES FOR THE SIMPLIFIED GUIDE TO FINANCIAL LIFE SKILLS WERE OVER 8,500. THIS WORKBOOK COVERS BASIC MONEY MANAGEMENT AND FINANCIAL LIFE SKILLS. CHAPTERS AS FOLLOWS: PRETEST (THIS HELPS MEASURE THE FINANCIAL LITERACY OF EACH INDIVIDUAL) CHAPTER 1 IDENTIFYING DEBT WARNING SIGNS CHAPTER 2 - SETTING UP A FAMILY BUDGET CHAPTER 3 TIPS FOR MAKING A BUDGET CHAPTER 4 SHOPPING GUIDE, BUDGET HELP CHAPTER 5 MONEY MANAGEMENT HELP CHAPTER 6 CONQUERING YOUR FINANCIAL STRESS CHAPTER 7 TIPS FOR DEALING WITH YOUR CREDITORS & PLANNING, PREPARING AND MANAGING YOUR FINANCIAL FUTURE FINAL TEST (SUBMITTED TO PIONEER CREDIT COUNSELING FOR GRADING AND RECORDING THE MEASUREMENT OF THEIR SUCCESS.) GLOSSARY / APPENDIX (THIS INCLUDES TERMS WHICH APPEAR ON CREDITOR STATEMENTS AND CREDIT REPORT TO ENHANCE THE CONSUMERS FINANCIAL LITERACY.) OF THOSE COMPLETING THE COURSE WITH A PASSING GRADE ON THE FINAL TEST, GRADUATED AND RECEIVED A GRADUATION CERTIFICATE.Expenses $755,807 · revenue $691,680
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 | Not 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
- 46-0358693
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (509(a)(2))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 1982
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $430,872
- Income (IRS master file)
- $765,542
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $657,716 | $907,821 | $430,872 | XML |
| 990 | December 2023 | $876,698 | $1,056,654 | $545,572 | XML |
| 990 | December 2022 | $1,321,713 | $1,213,009 | $795,827 | 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 46-0358693).
Questions about BLACK HILLS CHILDRENS RANCH INC
- What is the EIN of BLACK HILLS CHILDRENS RANCH INC?
- The employer identification number (EIN) of BLACK HILLS CHILDRENS RANCH INC is 46-0358693.
- Is BLACK HILLS CHILDRENS RANCH INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1982.
- Are donations to BLACK HILLS CHILDRENS RANCH INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does BLACK HILLS CHILDRENS RANCH INC 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 BLACK HILLS CHILDRENS RANCH INC due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did BLACK HILLS CHILDRENS RANCH INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of BLACK HILLS CHILDRENS RANCH INC?
- The 990 for the year ended December 31, 2024 names TODD OSSENFORT.
- Who are the officers and directors of BLACK HILLS CHILDRENS RANCH INC?
- The 990 for the year ended December 31, 2024 lists 7 people; 3 received compensation from the organization, the highest $70,278 (LACA OSSENFORT, SECR/TREAS/A).
- How much revenue does BLACK HILLS CHILDRENS RANCH INC have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $657,716, expenses of $907,821 and total assets of $430,872 at year end.
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