SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC | CREDIT ORG
RIVERSIDE, CA | Riverside County
Community Services
Overview
SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC | CREDIT ORG
33-0656671
1450 IOWA AVE STE 200
RIVERSIDE, CA 92507
Riverside County
RIVERSIDE, CA 92507
Riverside County
(951) 781-0114
info@credit.org
Mission Statement
OUR PEOPLE IMPROVE THE LIVES AND FINANCIAL WELL-BEING OF INDIVIDUALS AND FAMILIES BY PROVIDING ACCESS TO QUALITY FINANCIAL EDUCATION, COUNSELING AND ASSISTANCE. ESTABLISHED IN 1974, CREDIT.ORG IS A NATIONAL NONPROFIT FINANCIAL WELLNESS ORGANIZATION, RECOGNIZED AS ONE OF THE EARLIEST U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) APPROVED NONPROFIT AND CONSUMER CREDIT COUNSELING SERVICES (CCCS) AGENCIES NATIONWIDE. OUR HUD-APPROVED HOUSING COUNSELING PROGRAMS HAVE CONSISTENTLY IMPROVED HOUSING OUTCOMES FOR FIRST-TIME HOMEBUYERS, HOMEOWNERS, RENTERS, AND THOSE OVERCOMING HOMELESSNESS.
CRA Category
- Community Services
Nonprofit location
- LMI Census Tract
- Majority Minority Census Tract
Awards & Certifications
- CDFI Organization
- HUD Counseling Agency
Founded
1974
Total Employees
60
Total Volunteers
0
Nonprofit Classification (NTEE Code)
P51
P - Human Services
Financial Counseling
Organizations that provide advice and guidance for people who need assistance in obtaining credit, obtaining or correcting information in their credit records, reducing their debt burden or managing their financial resources more effectively.
IRS Activity Codes
-
Not reported
-
Not reported
-
Not reported
Standard Business Classification (NAICS Code)
624190
Other Individual and Family Services
Targeted Clients
- College Students
- Economically Disadvantaged
- Families
- First-Time Homebuyers
- Foster Youth
- General Public
- Homeless
- People Needing Credit Counseling
- Inmates or Ex-Offenders
- Men
- Military
- Minority Individuals
- Nonprofits
- Rural Residents
- Senior Citizens
- Underbanked or Unbanked
- Veterans
- Unemployed
- Women
CRA Income Characteristics
- HUD Assistance Recipients
- Low-Income
- Medicaid Recipients
- Moderate-Income
- Pell Grant Recipients
- People Living Below Poverty Level
- SNAP Recipients
- SSI Recipients
- USDA Free or Reduced Lunch Students
CRA Alignment
CRA Category
Community Services
Social services and other support for low- and moderate-income, homeless or at-risk individuals.
67%
Percent LMI Served
as reported by the nonprofit
What does it mean for a nonprofit to be CRA aligned?
Each nonprofit on Community Qualifier has been reviewed by findCRA utilizing a dual evaluation process. Nonprofits are first evaluated by our proprietary algorithm, CRANIA, and
then further validated by our CRA experts. When nonprofit passes both parts of this review, we create a nonprofit profile for them on Community Qualifier. From there, a nonprofit can claim their profile and add additional information including their programs & services, counties served, targeted clients and income groups and more.
LOWHIGH
LOWHIGH
LOWHIGH
LOWHIGH
Programs & Services
Homeownership Counseling and Education
Homeownership Counseling and Education: Our HUD-approved counseling helps low- and moderate-income individuals achieve and sustain affordable homeownership. We guide clients through down-payment assistance programs, competitive mortgage products, and advise on home-improvement loans. From credit readiness to ongoing support, we empower families to buy—and keep—their homes.
Targeted Clients
- College Students
- Economically Disadvantaged
- Families
- First-Time Homebuyers
- Homeless
- People needing Credit Counseling
- Inmates or Ex-Offenders
- Men
- Military
- Minority Individuals
- Nonprofits
- Rural Residents
- Senior Citizens
- Underbanked or Unbanked
- Veterans
- Women
CRA Income Characteristics
- Low-Income
- Moderate-Income
- People Living Below Poverty Level
- HUD Assistance Recipients
- SNAP Recipients
Financial Literacy Programs
Financial Literacy Programs: Our HUD-certified workshops and personalized counseling equip low- and moderate-income individuals with essential money-management skills. We cover budgeting techniques, saving strategies, and credit management, and guide you to appropriate banking products. By providing practical knowledge and ongoing support, we empower individuals and families to achieve lasting financial stability.
Targeted Clients
- College Students
- Economically Disadvantaged
- K-12 Students
- Families
- First-Time Homebuyers
- Foster Youth
- General Public
- Homeless
- People needing Credit Counseling
- Inmates or Ex-Offenders
- Men
- Military
- Minority Individuals
- Native Americans
- Nonprofits
- Rural Residents
- Senior Citizens
- Underbanked or Unbanked
- Veterans
- Unemployed
- Women
CRA Income Characteristics
- Low-Income
- Moderate-Income
- People Living Below Poverty Level
- HUD Assistance Recipients
- Pell Grant Recipients
- SNAP Recipients
- SSI Recipients
Consumer Credit Counseling Services
Consumer Credit Counseling Services: Our certified counselors help low- and moderate-income individuals take control of their debt and credit. We analyze credit reports, develop personalized debt-management plans, negotiate with creditors on your behalf, and provide budgeting and credit-use guidance. Through confidential one-on-one sessions and ongoing support, we equip you with the tools to reduce debt, boost your credit score, and build a sustainable path to financial freedom.
Targeted Clients
- College Students
- Disabled
- Domestic Violence Victims
- Economically Disadvantaged
- Families
- First-Time Homebuyers
- General Public
- Homeless
- People needing Credit Counseling
- Inmates or Ex-Offenders
- Men
- Military
- Minority Individuals
- Nonprofits
- Rural Residents
- Senior Citizens
- Underbanked or Unbanked
- Veterans
- Unemployed
CRA Income Characteristics
- Low-Income
- Moderate-Income
- People Living Below Poverty Level
- HUD Assistance Recipients
- Medicaid Recipients
- Pell Grant Recipients
- SNAP Recipients
- SSI Recipients
Rental Housing Counseling
Rental Housing Counseling: Our HUD-approved counseling guides low- and moderate-income renters through every step of securing and sustaining stable housing. We educate you on tenant rights and responsibilities, connect you with affordable rental listings, provide guidance on lease terms and conditions, and offer budgeting strategies to ensure on-time payments. Through workshops, one-on-one sessions, and referrals to community resources, we empower you to thrive as a renter.
Targeted Clients
- College Students
- Disabled
- Domestic Violence Victims
- Economically Disadvantaged
- Families
- First-Time Homebuyers
- Foster Youth
- General Public
- Homeless
- People needing Credit Counseling
- Inmates or Ex-Offenders
- Men
- Military
- Minority Individuals
- Native Americans
- Nonprofits
- Rural Residents
- Senior Citizens
- Underbanked or Unbanked
- Veterans
- Women
CRA Income Characteristics
- Low-Income
- Moderate-Income
- People Living Below Poverty Level
- HUD Assistance Recipients
- Pell Grant Recipients
- SNAP Recipients
- SSI Recipients
Awards & Certifications
Community Development Financial Institution
Date Certified
9/17/2013
Native American CDFI
N
Financial Institution Type
Loan Fund
Community Development Financial Institution Award Recipient
New Market Tax Credit Recipient
HUD Counseling Agency
Counseling Programs Offered
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-Purchase Counseling
- Pre-Purchase Homebuyer Education Workshops
- Reverse Mortgage Counseling
Low Income Housing Tax Credit Recipient
IRS Summary
Income
$9.9M
Revenue
$9.9M
Assets
$9.9M
IRS Business Master File Details
As of March 2025
Exempt Ruling Date
2001-12
Deductibility Status
Deductible
Last Tax Filing
2023
Organization Type
Corporation
Organization Tax Filing Status
990 (all other) or 990EZ return
Foundation Tax Filing Status
990-PF not required by IRS
Affiliation Classification
Independent Organization
Basis for Foundation/Public Charity Status
Organization normally receives no more than one-third of support from gross investment and unrelated business income and at same time more than one-third of its support from contributions, fees and gross receipts related to exempt purposes 509(a)(2)
IRS Publication 78 Details
As of March 2025
Verified in Publication 78
Yes
Deductibility Limitation
50% (60% for cash contributions)
Organization Description
A public charity
IRS Form 990 Returns
Through December 2024
Tax period ending in
2019-12
Nonprofit Location
Main Address
1450 IOWA AVE STE 200
RIVERSIDE, CA 92507
Riverside County
RIVERSIDE, CA 92507
Riverside County
Area Type
Metropolitan Statistical Area
FIPS Geocoded Address
40140
MSA/MD
06
State
065
County
0422.09
Tract
Moderate
Income Level
Core-Based Statistical Area
40140 - Riverside-San Bernardino-Ontario, CA
Combined Statistical Area
348 - Los Angeles-Long Beach, CA
Metropolitan Division
Not located in an MD.
Located In
Low- or Moderate-Income Census Tract
Opportunity Zone
Majority Minority Census Tract
80.85%
FFIEC Distressed Census Tract
FFIEC Underserved Census Tract
Geographies Served
- AL - All Counties
- AK - All Geographies
- AZ - All Counties
- AR - All Counties
- CA - All Counties
- CO - All Counties
- CT - All Counties
- DE - All Counties
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Market Data
| Census Tract | County | |
|---|---|---|
| 0422.09 | Riverside County | |
| Population | ||
| Total Population | 4,627 | 2,449,909 |
| Total Households | 1,331 | 762,234 |
| Income | ||
| Median Income* | $41,293 | $89,672 |
| Median Family Income (2024 FFIEC est.) | $97,500 | $94,500 |
| Tract Income Percentage | 53.84% | N/A |
| Below Poverty Level | 30.4% | 11.1% |
| Unemployment Level | 11.2% | 6.6% |
| Housing | ||
| Total Housing Units | 1,469 | 860,042 |
| Total Owner-Occupied Units | 17.4% | 68.9% |
| Total Renter-Occupied Units | 73.2% | 31.1% |
| Total Vacant Units | 9.4% | 6% |
* Census Tract Median Income based on 2020 Tract Median Family Income as reported in the 2024 FFIEC Census Flat File. County Income based on Median Household Income as reported in the 2023 American Community Survey.
Management
5
Total Voting Members
in Governing Body
in Governing Body
4
Independent Voting Members
in Governing Body
in Governing Body
Tax Filing Signatory
Melinda Opperman
(800) 431-8157
(800) 431-8157
Principal Officer
Melinda Opperman
findCRA Profile Owner
Cyndi Williams
President & CEO
cwilliams@credit.org
President & CEO
cwilliams@credit.org
Key Policies & Documents
Written Conflict of Interest Policy
Written Document Retention & Destruction Policy
Written Whistleblower Policy
CEO Compensation Review Process
Written Minutes of Board Meetings
Financial Statements & Reporting
Compiled or Reviewed by an Independent Accountant
Audited by an Independent Accountant
Included in Consolidated Financial Statements
Internal Audit Committee Review
Federal Grant Audit Required
Federal Grant Audit Performed
Organization Activities
Provides Credit Counseling
Conducts Gaming Activities
Engages in Lobbying Activities
Engages in Political Activities
Makes Grants to Individuals
Makes Grants to Organizations
Information in this section is extracted from the nonprofit's e-filed tax return and based on answers provided by the nonprofit in their 990 e-filed for the tax period ending on 2021-12.
A hyphen (“-“) in this section indicates that the information was not required by the IRS or not reported by the nonprofit in its tax return e-filing.
This Nonprofit Profile was created using data available from publicly available government and industry sources, our own research, and information provided directly the nonprofit organization. Whenever possible, we utilize the most recent information available including information as made public by the Internal Revenue Service, U.S. Census Bureau, Federal Financial Institutions Examination Council, and more. The format and design of this Nonprofit Profile is ©findCRA. For more information about our Nonprofit Profiles, please visit help.findcra.com.
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