Civic Intelligence

Connecticut Student Loan Foundation C/O Education Solution Partners LLC

990 • Fiscal year 2013 • EIN 06-0812178

Oct 01, 2012 to Sep 30, 2013 • Filed on Jan 23, 2014

Organization ProfileWWW.CSLF.ORG
7271 Engle Road Suite 101Hartford, CT 44130
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

91st percentile

0.89x

Higher debt load relative to assets than 91% of similar nonprofits.

2013 filings • 501(c)3 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

99th percentile

20.87x

Higher debt load relative to revenue than 99% of similar nonprofits.

2013 filings • 501(c)3 • $250M-$1B nonprofits • Source year 2013

Net Margin

87th percentile

32%

Higher net margin than 87% of similar nonprofits.

2013 filings • 501(c)3 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

2nd percentile

-18%

Faster asset growth than 2% of similar nonprofits.

2013 filings • 501(c)3 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets91st percentile

Assets

Down

$470,212,615

Down $103,508,271 (-18%) from 2012

Net Assets

Up

$51,094,911

Up $5,754,837 (+13%) from 2012

Liabilities

Down

$419,117,704

Down $109,263,108 (-21%) from 2012

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin87th percentile

Revenue

$20,078,319

No earlier filing loaded for comparison.

Expenses

Down

$13,561,094

Down $3,675,787 (-21%) from 2012

Net Income

$6,517,225

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$800M$600M$400M$200M$0Assets 2010: $735,662,956Liabilities 2010: $709,316,362Net Assets 2010: $26,346,5942010Assets 2011: $677,843,238Liabilities 2011: $641,609,650Net Assets 2011: $36,233,5882011Assets 2012: $573,720,886Liabilities 2012: $528,380,812Net Assets 2012: $45,340,0742012Assets 2013: $470,212,615Liabilities 2013: $419,117,704Net Assets 2013: $51,094,9112013Assets 2014: $409,029,802Liabilities 2014: $375,525,934Net Assets 2014: $33,503,8682014Assets 2015: $347,571,647Liabilities 2015: $315,535,994Net Assets 2015: $32,035,6532015Assets 2016: $301,107,790Liabilities 2016: $275,882,155Net Assets 2016: $25,225,6352016Assets 2017: $258,718,720Liabilities 2017: $232,905,438Net Assets 2017: $25,813,2822017Assets 2018: $226,083,873Liabilities 2018: $202,093,182Net Assets 2018: $23,990,6912018Assets 2019: $193,791,940Liabilities 2019: $172,036,161Net Assets 2019: $21,755,7792019Assets 2020: $167,603,066Liabilities 2020: $144,526,626Net Assets 2020: $23,076,4402020Assets 2021: $146,981,907Liabilities 2021: $122,780,174Net Assets 2021: $24,201,7332021Assets 2022: $126,010,687Liabilities 2022: $103,025,996Net Assets 2022: $22,984,6912022Assets 2023: $96,313,464Liabilities 2023: $76,707,832Net Assets 2023: $19,605,6322023Assets 2024: $76,625,198Liabilities 2024: $55,744,963Net Assets 2024: $20,880,2352024Assets 2025: $57,846,276Liabilities 2025: $36,513,553Net Assets 2025: $21,332,7232025

Highlighted filing

2013

Assets$470,212,615
Liabilities$419,117,704
Net Assets$51,094,911
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$40M$20M$0-$20MExpenses 2010: $32,916,1402010Expenses 2011: $17,912,5572011Expenses 2012: $17,236,8812012Revenue 2013: $20,078,319Expenses 2013: $13,561,094Net Income 2013: $6,517,2252013Revenue 2014: $17,382,821Expenses 2014: $34,963,616Net Income 2014: -$17,580,7952014Revenue 2015: $9,407,525Expenses 2015: $10,875,740Net Income 2015: -$1,468,2152015Revenue 2016: $10,953,862Expenses 2016: $17,763,880Net Income 2016: -$6,810,0182016Revenue 2017: $10,448,692Expenses 2017: $9,861,045Net Income 2017: $587,6472017Revenue 2018: $10,778,706Expenses 2018: $12,601,297Net Income 2018: -$1,822,5912018Revenue 2019: $10,761,716Expenses 2019: $12,996,628Net Income 2019: -$2,234,9122019Revenue 2020: $8,163,038Expenses 2020: $6,842,377Net Income 2020: $1,320,6612020Revenue 2021: $5,152,125Expenses 2021: $4,026,832Net Income 2021: $1,125,2932021Revenue 2022: $4,816,146Expenses 2022: $6,033,188Net Income 2022: -$1,217,0422022Revenue 2023: $6,578,182Expenses 2023: $9,957,241Net Income 2023: -$3,379,0592023Revenue 2024: $7,439,089Expenses 2024: $6,164,486Net Income 2024: $1,274,6032024Revenue 2025: $4,517,130Expenses 2025: $4,064,642Net Income 2025: $452,4882025

Highlighted filing

2013

Revenue$20,078,319
Expenses$13,561,094
Net Income$6,517,225
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2012 to Sep 30, 2013
Signed
Jan 23, 2014
Return Version
2012v2.1
Gross Receipts
$20,078,319
Mission and Program Overview

Mission

To improve educational opportunity and promote repayment of loans including providing appropriate services incident to the administration of programs which are established to improve educational opportunities.

Major Activities

Activity 2
Not for profit servicer program
Filing and Contact Details

Filer

EIN
06-0812178
Raw XML AppendixShowing 400 of 431 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ContractorCompensation/DescriptionOfServices2ADMINISTRATIVE AGENT
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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0CSLF IS A NONPROFIT ORGANIZATION EXEMPT FROM FEDERAL AND STATE INCOME TAXES UNDER INTERNAL REVENUE CODE SECTION 501(C)(3). ACCORDINGLY, NO PROVISION FOR INCOME TAXES IS PROVIDED IN THE FINANCIAL STATEMENTS. CSLF HAS NO UNRECOGNIZED TAX BENEFITS AT SEPTEMBER 30, 2013. CSLF'S FEDERAL AND STATE INCOME TAX RETURNS PRIOR TO FISCAL YEAR 2009 ARE CLOSED AND MANAGEMENT CONTINUALLY EVALUATES EXPIRING STATUTES OF LIMITATIONS, AUDITS, PROPOSED SETTLEMENTS AND CHANGES IN TAX LAW AND NEW AUTHORITATIVE RULINGS. IF APPLICABLE, CSLF WOULD RECOGNIZE INTEREST AND PENALTIES ASSOCIATED WITH TAX MATTERS AS PART OF OTHER OPERATING EXPENSES IN THE STATEMENT OF REVENUES, EXPENSES AND CHANGES IN FUND NET POSITION AND INCLUDE ACCRUED INTEREST AND PENALTIES IN ACCRUED EXPENSES IN THE STATEMENT OF NET POSITION. CSLF DID NOT RECOGNIZE ANY INTEREST OR PENALTIES ASSOCIATED WITH TAX MATTERS FOR THE YEAR ENDED SEPTEMBER 30, 2013.
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IRS990ScheduleO/GeneralExplanation/Explanation0DURING 2013, CSLF PARTNERED WITH EDUCATIONAL SERVICES OF AMERICA AND ENTERED INTO AN AGREEMENT TO PARTICIPATE IN THE NOT-FOR-PROFIT SERVICER PROGRAM ESTABLISHED UNDER THE HEALTH CARE AND EDUCATION RECONCILIATION ACT OF 2010 ("HCERA"), PUBLIC LAW 111-152 SET FORTH IN SOLICITATION NUMBER NFP-RFP-2010.
IRS990ScheduleO/GeneralExplanation/Explanation1CSLF CONTRACTED ALL ADMINISTRATION TO EDUCATION SOLUTION PARTNERS, LLC ("ESP").
IRS990ScheduleO/GeneralExplanation/Explanation2CERTAIN STATUTORY BOARD MEMBERS ARE ELIGIBLE TO DESIGNATE ANOTHER INDIVIDUAL TO FILL THEIR POSITION. IN ADDITION, THE GOVENOR AND VARIOUS LEGISLATORS ARE ELIGIBLE TO APPOINT BOARD MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation3THERE ARE NO COMMITTEES WITH AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
IRS990ScheduleO/GeneralExplanation/Explanation4FORM 990 IS REVIEWED BY THE BOARD OF DIRECTORS PRIOR TO FILING THE RETURN.
IRS990ScheduleO/GeneralExplanation/Explanation5THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Identifier0NEW PROGRAM SERVICES
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART III, LINE 2
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION C, LINE 19
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IRS990/TheBooksAreInCareOf/AddressUS/State0OH
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IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10RANDALL BEHM EDUCATION SOLUTION PARTNERS
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Filings

Displayed year

2013 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$470,212,615
Liabilities
$419,117,704
Net assets
$51,094,911
Revenue
$20,078,319
Expenses
$13,561,094
Net income
$6,517,225
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$57.8$36.5$21.3$4.52$4.06$0.45
2024Detailed filing. Detailed filing data is available for this year.$76.6$55.7$20.9$7.44$6.16$1.27
2023Detailed filing. Detailed filing data is available for this year.$96.3$76.7$19.6$6.58$9.96$3.38
2022Detailed filing. Detailed filing data is available for this year.$126$103$23.0$4.82$6.03$1.22
2021Detailed filing. Detailed filing data is available for this year.$147$123$24.2$5.15$4.03$1.13
2020Detailed filing. Detailed filing data is available for this year.$168$145$23.1$8.16$6.84$1.32
2019Detailed filing. Detailed filing data is available for this year.$194$172$21.8$10.8$13.0$2.23
2018Detailed filing. Detailed filing data is available for this year.$226$202$24.0$10.8$12.6$1.82
2017Detailed filing. Detailed filing data is available for this year.$259$233$25.8$10.4$9.86$0.59
2016Detailed filing. Detailed filing data is available for this year.$301$276$25.2$11.0$17.8$6.81
2015Summary only. Only limited summary data is available for this year.$348$316$32.0$9.41$10.9$1.47
2014Detailed filing. Detailed filing data is available for this year.$409$376$33.5$17.4$35.0$17.6
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$470$419$51.1$20.1$13.6$6.52
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$574$528$45.3$17.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$678$642$36.2$17.9
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$736$709$26.3$32.9