Civic Intelligence

Debt Education and Certification Foundation

990 • Fiscal year 2017 • EIN 20-2870155

Jan 01, 2017 to Dec 31, 2017

Organization ProfileWWW.DEBT-FOUNDATION.ORG
Benbrook, TX
Siviq Scores

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

Liabilities / Assets

80th percentile

0.50x

Higher debt load relative to assets than 80% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

77th percentile

0.46x

Higher debt load relative to revenue than 77% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2017

Net Margin

43rd percentile

0.8%

Higher net margin than 43% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2017

Asset Growth

68th percentile

10%

Faster asset growth than 68% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

55th percentile

6.4%

Faster revenue growth than 55% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$2,206,804

Up $204,135 (+10%) from 2016

Net Assets

Up

$1,108,364

Up $100,489 (+10.0%) from 2016

Liabilities

Up

$1,098,440

Up $103,646 (+10%) from 2016

Revenue And Expenses
Liabilities / Revenue77th percentileNet Margin43rd percentile

Revenue

Up

$2,363,013

Up $141,561 (+6.4%) from 2016

Expenses

Up

$2,343,300

Up $248,608 (+12%) from 2016

Net Income

Down

$19,713

Down $107,047 (-84%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth68th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $3,489,270Liabilities 2011: $569,460Net Assets 2011: $2,919,8102011Assets 2012: $2,837,595Liabilities 2012: $487,773Net Assets 2012: $2,349,8222012Assets 2013: $2,053,596Liabilities 2013: $520,496Net Assets 2013: $1,533,1002013Assets 2014: $1,941,563Liabilities 2014: $951,732Net Assets 2014: $989,8312014Assets 2015: $1,799,786Liabilities 2015: $939,679Net Assets 2015: $860,1072015Assets 2016: $2,002,669Liabilities 2016: $994,794Net Assets 2016: $1,007,8752016Assets 2017: $2,206,804Liabilities 2017: $1,098,440Net Assets 2017: $1,108,3642017Assets 2018: $1,980,588Liabilities 2018: $972,514Net Assets 2018: $1,008,0742018Assets 2019: $2,065,057Liabilities 2019: $1,097,289Net Assets 2019: $967,7682019Assets 2020: $2,264,198Liabilities 2020: $1,323,490Net Assets 2020: $940,7082020Assets 2021: $2,181,103Liabilities 2021: $1,328,388Net Assets 2021: $852,7152021Assets 2022: $1,976,853Liabilities 2022: $1,013,752Net Assets 2022: $963,1012022Assets 2023: $2,004,727Liabilities 2023: $1,072,138Net Assets 2023: $932,5892023

Highlighted filing

2017

Assets$2,206,804
Liabilities$1,098,440
Net Assets$1,108,364
Open 2017 Filing

Operations Trend

Revenue Growth55th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2011: $5,347,921Expenses 2011: $5,727,351Net Income 2011: -$379,4302011Expenses 2012: $4,530,9672012Revenue 2013: $2,834,053Expenses 2013: $3,732,054Net Income 2013: -$898,0012013Revenue 2014: $2,255,502Expenses 2014: $2,731,996Net Income 2014: -$476,4942014Revenue 2015: $1,953,777Expenses 2015: $2,074,766Net Income 2015: -$120,9892015Revenue 2016: $2,221,452Expenses 2016: $2,094,692Net Income 2016: $126,7602016Revenue 2017: $2,363,013Expenses 2017: $2,343,300Net Income 2017: $19,7132017Revenue 2018: $2,178,266Expenses 2018: $2,250,625Net Income 2018: -$72,3592018Revenue 2019: $2,405,839Expenses 2019: $2,573,391Net Income 2019: -$167,5522019Revenue 2020: $2,074,186Expenses 2020: $2,343,312Net Income 2020: -$269,1262020Revenue 2021: $1,641,637Expenses 2021: $1,815,279Net Income 2021: -$173,6422021Revenue 2022: $1,654,078Expenses 2022: $1,340,834Net Income 2022: $313,2442022Revenue 2023: $1,643,959Expenses 2023: $1,787,433Net Income 2023: -$143,4742023

Highlighted filing

2017

Revenue$2,363,013
Expenses$2,343,300
Net Income$19,713
Open 2017 Filing
Filing Detail Status

This 2017 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

View Latest Detailed Filing (2024)
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Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Mission and Program Overview

Mission

Debt education and certification foundation's mission is to strengthen the community by providing financial education to individuals and families in need. Course content and counseling covers financial education topics such as budgeting, money management, wise use of credit, and provides the individual with available options to address their specific financial situation. Counseling is provided to individuals in english or spanish to meet the cultural diversity and needs of the community without regard to one's ability to pay. The foundation does not offer, nor provide, debt management plans, debt negotiation or debt settlement services.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$2,206,804
Liabilities
$1,098,440
Net assets
$1,108,364
Revenue
$2,363,013
Expenses
$2,343,300
Net income
$19,713
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$2.00$1.07$0.93$1.64$1.79$0.14
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.98$1.01$0.96$1.65$1.34$0.31
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.18$1.33$0.85$1.64$1.82$0.17
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.26$1.32$0.94$2.07$2.34$0.27
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.07$1.10$0.97$2.41$2.57$0.17
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.98$0.97$1.01$2.18$2.25$0.07
2017Summary only. Only limited summary data is available for this year.$2.21$1.10$1.11$2.36$2.34$0.02
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.00$0.99$1.01$2.22$2.09$0.13
2015Detailed filing. Detailed filing data is available for this year.$1.80$0.94$0.86$1.95$2.07$0.12
2014Detailed filing. Detailed filing data is available for this year.$1.94$0.95$0.99$2.26$2.73$0.48
2013Detailed filing. Detailed filing data is available for this year.$2.05$0.52$1.53$2.83$3.73$0.90
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.84$0.49$2.35$4.53
2011Summary only. Only limited summary data is available for this year.$3.49$0.57$2.92$5.35$5.73$0.38
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2017 filings • 501(c)3 • $1M-$5M nonprofits