Civic Intelligence

Reliable Payee Services Inc.

990 • Fiscal year 2020 • EIN 20-0063447

Jul 01, 2019 to Jun 30, 2020 • Filed on Apr 16, 2021

2606 Fifth AvenueMcKeesport, PA 15132

(412) 664-7333

Siviq Scores

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

Liabilities / Assets

70th percentile

0.21x

Higher debt load relative to assets than 70% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Liabilities / Revenue

76th percentile

0.28x

Higher debt load relative to revenue than 76% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Net Margin

71st percentile

20%

Higher net margin than 71% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Top Officer Pay

68th percentile

$54,000

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 12.6% of source-year revenue.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Asset Growth

61st percentile

13%

Faster asset growth than 61% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2019 to 2020

Revenue Growth

64th percentile

8.6%

Faster revenue growth than 64% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2019 to 2020

Assets

Up

$570,143

Up $67,488 (+13%) from 2019

Net Assets

Up

$449,367

Up $87,527 (+24%) from 2019

Liabilities

Down

$120,776

Down $20,039 (-14%) from 2019

Revenue

Up

$429,010

Up $34,109 (+8.6%) from 2019

Expenses

Up

$341,483

Up $1,537 (+0.5%) from 2019

Net Income

Up

$87,527

Up $32,572 (+59%) from 2019

Historical Trend

Balance Sheet Trend

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

$1.0M$500K$0Assets 2013: $115,587Liabilities 2013: $8,974Net Assets 2013: $106,6132013Assets 2014: $160,927Liabilities 2014: $10,619Net Assets 2014: $150,3082014Assets 2015: $172,557Liabilities 2015: $7,448Net Assets 2015: $165,1092015Assets 2016: $221,428Liabilities 2016: $11,858Net Assets 2016: $209,5702016Assets 2017: $256,500Liabilities 2017: $15,367Net Assets 2017: $241,1332017Assets 2018: $317,159Liabilities 2018: $10,274Net Assets 2018: $306,8852018Assets 2019: $502,655Liabilities 2019: $140,815Net Assets 2019: $361,8402019Assets 2020: $570,143Liabilities 2020: $120,776Net Assets 2020: $449,3672020Assets 2021: $498,527Liabilities 2021: $2,054Net Assets 2021: $496,4732021Assets 2022: $781,806Liabilities 2022: $215,372Net Assets 2022: $566,4342022Assets 2023: $866,404Liabilities 2023: $190,658Net Assets 2023: $675,7462023Assets 2024: $872,682Liabilities 2024: $59,825Net Assets 2024: $812,8572024Assets 2025: $888,317Liabilities 2025: $2,032Net Assets 2025: $886,2852025

Highlighted filing

2020

Assets$570,143
Liabilities$120,776
Net Assets$449,367

Operations Trend

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

$600K$400K$200K$0Revenue 2013: $312,458Expenses 2013: $290,149Net Income 2013: $22,3092013Revenue 2014: $340,202Expenses 2014: $296,505Net Income 2014: $43,6972014Revenue 2015: $333,599Expenses 2015: $318,798Net Income 2015: $14,8012015Revenue 2016: $362,171Expenses 2016: $317,710Net Income 2016: $44,4612016Revenue 2017: $385,578Expenses 2017: $354,015Net Income 2017: $31,5632017Revenue 2018: $391,942Expenses 2018: $326,190Net Income 2018: $65,7522018Revenue 2019: $394,901Expenses 2019: $339,946Net Income 2019: $54,9552019Revenue 2020: $429,010Expenses 2020: $341,483Net Income 2020: $87,5272020Revenue 2021: $394,930Expenses 2021: $347,824Net Income 2021: $47,1062021Revenue 2022: $428,524Expenses 2022: $358,563Net Income 2022: $69,9612022Revenue 2023: $488,750Expenses 2023: $379,438Net Income 2023: $109,3122023Revenue 2024: $514,475Expenses 2024: $377,364Net Income 2024: $137,1112024Revenue 2025: $492,561Expenses 2025: $419,133Net Income 2025: $73,4282025

Highlighted filing

2020

Revenue$429,010
Expenses$341,483
Net Income$87,527
Jump To
Filing Snapshot
Filing Period
Jul 1, 2019 to Jun 30, 2020
Signed
Apr 16, 2021
Return Version
2019v5.1
Gross Receipts
$429,010
Mission and Program Overview

Mission

The organization provides payee services for approximately 800 individuals. In this capacity, the organization is appointed to manage Social Security funds for individuals to pay rent and utilities, issue funds for food purchases, and to pay other miscellaneous expenses. The organization is required to be a non-profit organization and to be bonded in accordance with mandates of the Social Security Administration. The organization is also required to account annually on how funds are disbursed and for what purposes as well as report any changes in an individual's status such as address changes, marriages or deaths.

The organization services approximately 800 individuals. As a payee service, it is appointed to manage Social Security funds for those individuals to pay rent and utilities, issue funds for food, and to pay other miscellaneous expenses.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$289,589$282,305▼ $7,284
Savings and Temporary Cash Investments$141,470$130,214▼ $11,256
Cash and Non-Interest-Bearing Accounts$32,023$94,767▲ $62,744
Investments Other Securities$25,268$50,952▲ $25,684
Receivables From Officers Etc$14,305$11,905▼ $2,400
Total Assets$502,655$570,143▲ $67,488
Liabilities
Mortgage Notes Payable Secured by Investment Property$132,238$104,605▼ $27,633
Accounts Payable and Accrued Expenses$8,577$16,171▲ $7,594
Total Liabilities$140,815$120,776▼ $20,039
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$361,840$449,367▲ $87,527
Total Net Assets Fund Balance$361,840$449,367▲ $87,527
Total Liabilities and Net Assets / Fund Balance$502,655$570,143▲ $67,488

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$201,080$9,217$210,297
Leasehold Improvements$30,153$22,270$52,423
Land$50,000-$50,000
Equipment$175$23,152$23,327
Other Land Buildings$897$19,012$19,909
Other Securities$40,471--
Compensation and Service Providers

Employees

NameTitleBaseTotal
Dannielle SpivakExecutive Director$54,000$54,000

Board Members and Trustees

NameTitle
Peter Spivak JrVice President
John WargoDirector
Dianne SpivakSecretaryTresurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$427,417
Investment Income
$1,593
Other Revenue
$0
Change in Net Assets
$87,527
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$193,736
Other Expenses$147,747
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$118,498--$118,498
Current Officers, Directors, Trustees, and Key Employees$52,000--$52,000
Office Expenses$23,103--$23,103
Occupancy$13,232--$13,232
Payroll Taxes$13,059--$13,059
Fees for Services Management$12,488--$12,488
Other Employee Benefits$10,179--$10,179
Insurance$8,865--$8,865
Depreciation Depletion$7,402--$7,402
Interest$6,867--$6,867
Fees for Services Accounting$5,358--$5,358
Fees for Services Legal$2,118--$2,118
Advertising$2,029--$2,029
Information Technology$1,585--$1,585
Travel$1,359--$1,359
Fees for Services Other$1,333--$1,333
All Other Expenses$802--$802
Other Expenses$775--$775
Conferences and Meetings$400--$400
Total Functional Expenses$341,483$0$0$341,483
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$14,305$11,905▼ $2,400
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Officer directors etc family relationship Part VI line 2

Dannielle Spivak, President, Daughter Dianne Spivak, TreasurerDannielle Spivak, President, Daughter of Peter Spivak, DirectorDianne Spivak, Treasurer, Spouse of Peter Spivak, DirectorDianne Spivak, Treasurer, Mother of Dannielle Spivak, President

Form 990 governing body review Part VI line 11

The President and the Treasurer review the Form 990 along with all bank statments. The Form 990 is then presented to the Board of Directors at their next meeting for review and further discussion. The Form 990 is then voted on by the board for approval.

Conflict of interest policy compliance Part VI line 12C

The Board of Directors and organization review the policy and enforce compliance.

CEO executive director top management comp Part VI line 15A

Compensation for the President and top management is discussed among the Board of directors during semi-annual meetings.

Other officer or key employee compensation Part VI line 15B

Compensation for Officers and Key Employees is discussed among the Board of Directors during semi-annual meetings.

Governing documents etc available to public Part VI line 19

The governing documents are available for public inspection at the offices of Reliable Payee Services. If an individual(s) desires an inspection, an appointment to review the documents must be made.

Filing and Contact Details

Filer

Filer Name
Reliable Payee Services Inc
EIN
20-0063447
Address
2606 Fifth Avenue, McKeesport, PA 15132

Signing Officer

Name
Dianne Spivak
Title
SecretaryTresu
Phone
4126647333
Signed
2021-04-16
Discuss with paid preparer
No

Organization Details

Principal Officer
Dannielle Spivak
Formed
2003
Legal Domicile
Pa
Voting Board Members
4
Independent Board Members
2
Employees
7

Preparer

Firm
Joseph Lundie Accounting & Taxes
Address
518 Main Street Suite 202-4, Irwin, PA 15642
Preparer
Joseph Lundie
Phone
7245155699
Raw XML Appendix380 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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IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt030153
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt022270
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt052423
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0897
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt019012
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt019909
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt010481
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt140471
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Lord Abbett Money Market Fund A
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Lord Abbett Ultra Short Bond Fund A
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0282305
IRS990ScheduleD/TotalBookValueSecuritiesAmt050952
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt08700
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt13205
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Emergency
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Emergency
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt028483
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt111200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Dianne Spivak
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Dannielle Spivak
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Treasurer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1President
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/TotalBalanceDueAmt011905
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Dannielle Spivak, President, Daughter Dianne Spivak, TreasurerDannielle Spivak, President, Daughter of Peter Spivak, DirectorDianne Spivak, Treasurer, Spouse of Peter Spivak, DirectorDianne Spivak, Treasurer, Mother of Dannielle Spivak, President
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The President and the Treasurer review the Form 990 along with all bank statments. The Form 990 is then presented to the Board of Directors at their next meeting for review and further discussion. The Form 990 is then voted on by the board for approval.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Board of Directors and organization review the policy and enforce compliance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Compensation for the President and top management is discussed among the Board of directors during semi-annual meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Compensation for Officers and Key Employees is discussed among the Board of Directors during semi-annual meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The governing documents are available for public inspection at the offices of Reliable Payee Services. If an individual(s) desires an inspection, an appointment to review the documents must be made.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Officer directors etc family relationship Part VI line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0502655
IRS990/TotalAssetsEOYAmt0570143
IRS990/TotalAssetsGrp/BOYAmt0502655
IRS990/TotalAssetsGrp/EOYAmt0570143
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0341483
IRS990/TotalFunctionalExpensesGrp/TotalAmt0341483
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0140815
IRS990/TotalLiabilitiesEOYAmt0120776
IRS990/TotalLiabilitiesGrp/BOYAmt0140815
IRS990/TotalLiabilitiesGrp/EOYAmt0120776
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0361840
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0449367
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0341483
IRS990/TotalProgramServiceRevenueAmt0427417
IRS990/TotalReportableCompFromOrgAmt054000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0429010
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0429010
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0502655
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0570143
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt01359
IRS990/TravelGrp/TotalAmt01359
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0833 EVERGLADE DRIVE
IRS990/USAddress/CityNm0McKeesport
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd015134
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt02
IRS990/WebsiteAddressTxt0reliablepayeeservies.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Dianne Spivak
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SecretaryTresu
ReturnHeader/BusinessOfficerGrp/PhoneNum04126647333
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-04-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Reliable Payee Services Inc
ReturnHeader/Filer/BusinessNameControlTxt0RELI
ReturnHeader/Filer/EIN0200063447
ReturnHeader/Filer/USAddress/AddressLine1Txt02606 Fifth Avenue
ReturnHeader/Filer/USAddress/CityNm0McKeesport
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd015132
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0853302270
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Joseph Lundie Accounting & Taxes
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0518 Main Street Suite 202-4
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Irwin
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd015642
ReturnHeader/PreparerPersonGrp/PhoneNum07245155699
ReturnHeader/PreparerPersonGrp/PreparationDt02021-04-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Joseph Lundie
ReturnHeader/ReturnTs02021-04-16T10:57:13-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-07-01
ReturnHeader/TaxPeriodEndDt02020-06-30
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.88$0.02$8.86$4.93$4.19$0.73
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.73$0.60$8.13$5.14$3.77$1.37
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.66$1.91$6.76$4.89$3.79$1.09
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.82$2.15$5.66$4.29$3.59$0.70
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.99$0.02$4.96$3.95$3.48$0.47
2020Detailed filing. Detailed filing data is available for this year.$5.70$1.21$4.49$4.29$3.41$0.88
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.03$1.41$3.62$3.95$3.40$0.55
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.17$0.10$3.07$3.92$3.26$0.66
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.57$0.15$2.41$3.86$3.54$0.32
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.21$0.12$2.10$3.62$3.18$0.44
2015Summary only. Only limited summary data is available for this year.$1.73$0.07$1.65$3.34$3.19$0.15
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.61$0.11$1.50$3.40$2.97$0.44
2013Summary only. Only limited summary data is available for this year.$1.16$0.09$1.07$3.12$2.90$0.22
Peer Organizations

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