Civic Intelligence

Community Financial Resources

990 • Fiscal year 2015 • EIN 20-3788598

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 08, 2016

771 Euclid AvenueBerkeley, CA 94708

(510) 559-8638

Siviq Scores

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

Liabilities / Assets

51st percentile

0.05x

Higher debt load relative to assets than 51% of similar nonprofits.

2015 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2015

Liabilities / Revenue

53rd percentile

0.05x

Higher debt load relative to revenue than 53% of similar nonprofits.

2015 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2015

Net Margin

88th percentile

38%

Higher net margin than 88% of similar nonprofits.

2015 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2015

Top Officer Pay

91st percentile

$121,834

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 16.0% of source-year revenue.

2015 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2015

Asset Growth

90th percentile

57%

Faster asset growth than 90% of similar nonprofits.

2015 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2014 to 2015

Revenue Growth

86th percentile

44%

Faster revenue growth than 86% of similar nonprofits.

2015 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2014 to 2015

Assets

Up

$813,058

Up $295,663 (+57%) from 2014

Net Assets

Up

$775,130

Up $285,539 (+58%) from 2014

Liabilities

Up

$37,928

Up $10,124 (+36%) from 2014

Revenue

Up

$760,674

Up $232,880 (+44%) from 2014

Expenses

Down

$475,135

Down $8,668 (-1.8%) from 2014

Net Income

Up

$285,539

Up $241,548 (+549%) from 2014

Historical Trend

Balance Sheet Trend

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

$6.0M$4.0M$2.0M$0Assets 2010: $422,245Liabilities 2010: $26,334Net Assets 2010: $395,9112010Assets 2011: $587,623Liabilities 2011: $35,328Net Assets 2011: $552,2952011Assets 2012: $516,518Liabilities 2012: $28,009Net Assets 2012: $488,5092012Assets 2013: $475,413Liabilities 2013: $29,813Net Assets 2013: $445,6002013Assets 2014: $517,395Liabilities 2014: $27,804Net Assets 2014: $489,5912014Assets 2015: $813,058Liabilities 2015: $37,928Net Assets 2015: $775,1302015Assets 2016: $1,219,298Liabilities 2016: $31,289Net Assets 2016: $1,188,0092016Assets 2017: $1,083,640Liabilities 2017: $22,916Net Assets 2017: $1,060,7242017Assets 2018: $988,264Liabilities 2018: $27,340Net Assets 2018: $960,9242018Assets 2019: $951,703Liabilities 2019: $41,506Net Assets 2019: $910,1972019Assets 2020: $1,145,298Liabilities 2020: $404,257Net Assets 2020: $741,0412020Assets 2021: $2,244,182Liabilities 2021: $1,032,035Net Assets 2021: $1,212,1472021Assets 2022: $5,378,662Liabilities 2022: $3,734,705Net Assets 2022: $1,643,9572022Assets 2023: $4,054,828Liabilities 2023: $2,422,065Net Assets 2023: $1,632,7632023Assets 2024: $3,518,526Liabilities 2024: $2,394,443Net Assets 2024: $1,124,0832024

Highlighted filing

2015

Assets$813,058
Liabilities$37,928
Net Assets$775,130

Operations Trend

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

$1.5M$1.0M$500K$0-$500K-$1.0MRevenue 2010: $415,358Expenses 2010: $352,668Net Income 2010: $62,6902010Revenue 2011: $575,452Expenses 2011: $419,547Net Income 2011: $155,9052011Revenue 2012: $442,710Expenses 2012: $506,475Net Income 2012: -$63,7652012Revenue 2013: $436,230Expenses 2013: $479,139Net Income 2013: -$42,9092013Revenue 2014: $527,794Expenses 2014: $483,803Net Income 2014: $43,9912014Revenue 2015: $760,674Expenses 2015: $475,135Net Income 2015: $285,5392015Revenue 2016: $870,452Expenses 2016: $457,573Net Income 2016: $412,8792016Revenue 2017: $425,186Expenses 2017: $552,471Net Income 2017: -$127,2852017Revenue 2018: $402,918Expenses 2018: $502,718Net Income 2018: -$99,8002018Revenue 2019: $428,808Expenses 2019: $479,535Net Income 2019: -$50,7272019Revenue 2020: $460,531Expenses 2020: $651,668Net Income 2020: -$191,1372020Revenue 2021: $1,081,485Expenses 2021: $610,379Net Income 2021: $471,1062021Revenue 2022: $1,083,185Expenses 2022: $651,375Net Income 2022: $431,8102022Revenue 2023: $1,015,485Expenses 2023: $1,026,679Net Income 2023: -$11,1942023Revenue 2024: $785,438Expenses 2024: $1,294,118Net Income 2024: -$508,6802024

Highlighted filing

2015

Revenue$760,674
Expenses$475,135
Net Income$285,539
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 8, 2016
Return Version
2015v2.0
Gross Receipts
$760,674
Mission and Program Overview

Mission

CFR provides research, education, program development and technical assistance for non-profit organizations and their low-income constituents on financial literacy, money management, and accessing and effectively using low-cost financial products and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$506,313$697,638▲ $191,325
Pledges and Grants Receivable-$90,000-
Cash and Non-Interest-Bearing Accounts$8,057$22,870▲ $14,813
Prepaid Expenses and Deferred Charges-$2,300-
Accounts Receivable$3,025$250▼ $2,775
Other Notes and Loans Receivable, Net-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$517,395$813,058▲ $295,663
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$27,804$37,928▲ $10,124
Total Liabilities$27,804$37,928▲ $10,124
Net Assets / Fund Balance
Unrestricted Net Assets$338,758$508,463▲ $169,705
Temporarily Rstr Net Assets$150,833$266,667▲ $115,834
Total Net Assets Fund Balance$489,591$775,130▲ $285,539
Total Liabilities and Net Assets / Fund Balance$517,395$813,058▲ $295,663
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lauren LeimbachExecutive DirectorFT$115,614$6,220$121,834

Board Members and Trustees

NameTitle
David DerryckPresident
Fran SchallDirector
Kendall BakerDirector
Pat KrackovDirector
Patty FukamiDirector
Leslie AltickSecretary
Ryan Pintado-VertnerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$621,523
Program Service Revenue
$137,950
Investment Income
$401
Other Revenue
$800
All Other Contributions
$621,523
Change in Net Assets
$285,539
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$377,077
Other Expenses$67,382
Grants and Similar Amounts Paid$30,676
Total Fundraising Expense$17,807
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$179,832$25,573$9,579$214,984
Current Officers, Directors, Trustees, and Key Employees$107,763$8,040$6,031$121,834
Fees for Services Other$21,886$6,072-$27,958
Payroll Taxes$21,322$2,400$1,142$24,864
Grants to Domestic Individuals$22,676--$22,676
Other Employee Benefits$11,850$2,490$1,055$15,395
Information Technology$14,503$300-$14,803
Travel$8,129$111-$8,240
Grants to Domestic Orgs$8,000--$8,000
Fees for Services Accounting-$6,300-$6,300
Insurance-$4,608-$4,608
Office Expenses$1,785$581-$2,366
Conferences and Meetings$809--$809
Other Expenses$1,170$197-$197
Total Functional Expenses$399,725$57,603$17,807$475,135
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Brighter BeginningsOakland, CA501(c)(3)Product-based financial education$8,000
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et

Board member Leslie Altick and Executive Director Lauren Leimbach are siblings.

Form 990, Part VI, Line 11B: Form 990 Review Process

The Board of Directors review tax forms.

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

All personnel and board members are required to disclose (in writing) potential conflicts and any related party affiliations. The organization seeks full transparency on all relationships through discussions at Board meetings.

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

The Board of Directors which approves the E.D.'s compensation is comprised of independent persons.

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

Upon request

Filing and Contact Details

Filer

Filer Name
Community Financial Resources
EIN
20-3788598
Phone
5105598638
Address
771 Euclid Avenue, Berkeley, CA 94708

Signing Officer

Name
Lauren Leimbach
Title
Executive Director
Signed
2016-11-08
Discuss with paid preparer
Yes

Organization Details

Formed
2006
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
6
Employees
4

Preparer

Firm
Crosby & Kaneda CPAs
Address
1970 Broadway STE 930, Oakland, CA 94612
Preparer
Adele Kaneda
Phone
5108352727
Supplemental Narrative

Financial Statement Notes

Part X : FIN48 Footnote

The Organization has evaluated its current tax positions as of December 31, 2015 and is not aware of any significant uncertain tax positions for which a reserve would be necessary.

Raw XML AppendixShowing 400 of 464 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0true
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt027804
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt037928
IRS990/AccountsReceivableGrp/BOYAmt03025
IRS990/AccountsReceivableGrp/EOYAmt0250
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CFR provides research, education, program development and technical assistance for non-profit organizations and their low-income constituents on financial literacy, money management, and accessing and effectively using low-cost financial products and services.
IRS990/AdvertisingGrp/TotalAmt00
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherContributionsAmt0621523
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0false
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Lauren Leimbach
IRS990/BooksInCareOfDetail/PhoneNum05109317761
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0771 Euclid Avenue
IRS990/BooksInCareOfDetail/USAddress/CityNm0Berkeley
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0947081348
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt08057
IRS990/CashNonInterestBearingGrp/EOYAmt022870
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt06031
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt08040
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0107763
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0121834
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt0809
IRS990/ConferencesMeetingsGrp/TotalAmt0809
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0621523
IRS990/CYGrantsAndSimilarPaidAmt030676
IRS990/CYInvestmentIncomeAmt0401
IRS990/CYOtherExpensesAmt067382
IRS990/CYOtherRevenueAmt0800
IRS990/CYProgramServiceRevenueAmt0137950
IRS990/CYRevenuesLessExpensesAmt0285539
IRS990/CYSalariesCompEmpBnftPaidAmt0377077
IRS990/CYTotalExpensesAmt0475135
IRS990/CYTotalFundraisingExpenseAmt017807
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0760674
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0In 2015 Community Financial Resources worked with over 140 organizations providing technical assistance to programs enhancing the financial capabilities of more than 6000 very low to moderate income constituents through improved money management skills, and access to safe and affordable financial products and services. People enrolled in CFR programs at Volunteer Income Tax Assistance sites, places of employment, foster youth, workforce development and supportive housing agencies, community colleges, migrant worker and other community service organizations. CFR's financial education program integrates financial products into an experiential financial capability program motivating participants to work with financial coaches and practice beneficial financial behaviors such as direct depositing pay and benefits, automating bill payment, transferring funds to savings, and building assets.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt04
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountInd0false
IRS990/ExpenseAmt0399725
IRS990/FamilyOrBusinessRlnInd0true
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt06300
IRS990/FeesForServicesAccountingGrp/TotalAmt06300
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt06072
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt021886
IRS990/FeesForServicesOtherGrp/TotalAmt027958
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282FiledCnt00
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt06220
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0Lauren Leimbach
IRS990/Form990PartVIISectionAGrp/PersonNm1David Derryck
IRS990/Form990PartVIISectionAGrp/PersonNm2Leslie Altick
IRS990/Form990PartVIISectionAGrp/PersonNm3Ryan Pintado-Vertner
IRS990/Form990PartVIISectionAGrp/PersonNm4Kendall Baker
IRS990/Form990PartVIISectionAGrp/PersonNm5Patty Fukami
IRS990/Form990PartVIISectionAGrp/PersonNm6Pat Krackov
IRS990/Form990PartVIISectionAGrp/PersonNm7Fran Schall
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0115614
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0Executive Dir.
IRS990/Form990PartVIISectionAGrp/TitleTxt1President
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0false
IRS990/FormationYr02006
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantAmt038676
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt022676
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt022676
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt08000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt08000
IRS990/GrantsToIndividualsInd0true
IRS990/GrantsToOrganizationsInd0true
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0760674
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt0300
IRS990/InformationTechnologyGrp/ProgramServicesAmt014503
IRS990/InformationTechnologyGrp/TotalAmt014803
IRS990/InsuranceGrp/ManagementAndGeneralAmt04608
IRS990/InsuranceGrp/TotalAmt04608
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt0401
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0401
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt04
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LegalDomicileStateCd0CA
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CFR provides research, education, program development and technical assistance for non-profit organizations and their low-income constituents on financial literacy, money management, and accessing and effectively using low-cost financial products and services.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0489591
IRS990/NetAssetsOrFundBalancesEOYAmt0775130
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0581
IRS990/OfficeExpensesGrp/ProgramServicesAmt01785
IRS990/OfficeExpensesGrp/TotalAmt02366
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt01055
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt02490
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt011850
IRS990/OtherEmployeeBenefitsGrp/TotalAmt015395
IRS990/OtherExpensesGrp/Desc0Due, licenses, service fees
IRS990/OtherExpensesGrp/Desc1Miscellaneous
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0931
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1197
IRS990/OtherExpensesGrp/ProgramServicesAmt01170
IRS990/OtherExpensesGrp/TotalAmt02101
IRS990/OtherExpensesGrp/TotalAmt1197
IRS990/OtherRevenueMiscGrp/Desc0Miscellaneous
IRS990/OtherRevenueMiscGrp/ExclusionAmt0800
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0800
IRS990/OtherRevenueTotalAmt0800
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt09579
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt025573
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0179832
IRS990/OtherSalariesAndWagesGrp/TotalAmt0214984
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt01142
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt02400
IRS990/PayrollTaxesGrp/ProgramServicesAmt021322
IRS990/PayrollTaxesGrp/TotalAmt024864
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt090000
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02300
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Lauren Leimbach
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Program Service Fees
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0137950
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0137950
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0483539
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt07500
IRS990/PYInvestmentIncomeAmt0280
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt064238
IRS990/PYOtherRevenueAmt0200
IRS990/PYProgramServiceRevenueAmt043775
IRS990/PYRevenuesLessExpensesAmt043991
IRS990/PYSalariesCompEmpBnftPaidAmt0412065
IRS990/PYTotalExpensesAmt0483803
IRS990/PYTotalRevenueAmt0527794
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0285539
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0137950
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0506313
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0697638
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0621523
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0483539
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0389975
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0203992
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0358981
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt02058010
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0401
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0280
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0122
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt02676
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt02167
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt05646
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0615842
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt0800
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt0200
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt0558
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt02087
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt01237
IRS990ScheduleA/OtherIncome170Grp/TotalAmt04882
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.43620
IRS990ScheduleA/PublicSupportPY170Pct00.51370
IRS990ScheduleA/PublicSupportTotal170Amt0902365
IRS990ScheduleA/SubstantialContributorsTotAmt01155645
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0621523
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0483539
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0389975
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0203992
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0358981
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt02058010
IRS990ScheduleA/TotalSupportAmt02068538
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The Organization has evaluated its current tax positions as of December 31, 2015 and is not aware of any significant uncertain tax positions for which a reserve would be necessary.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
IRS990ScheduleI/GrantRecordsMaintainedInd0true
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt022676
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0Participant Incentives
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt0178
IRS990ScheduleI/RecipientTable/CashGrantAmt08000
IRS990ScheduleI/RecipientTable/IRCSectionDesc0501(c)(3)
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt00
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0Product-based financial education
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0Brighter Beginnings
IRS990ScheduleI/RecipientTable/RecipientEIN0942949749
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt02595 International Blvd
IRS990ScheduleI/RecipientTable/USAddress/CityNm0Oakland
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd0CA
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd094601
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0CFR staff works closely with the organization and is able to verify completion of scope of work.Program participants are incented for performing beneficial financial behaviors such as opening a bank account. Incentives are recorded on a spreadsheet with one staff person signing off on the award approval and a second signing off on the transfer funds.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0Grantmaker's Description of How Grants are Used
IRS990ScheduleI/Total501c3OrgCnt01
IRS990ScheduleI/TotalOtherOrgCnt00
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Board member Leslie Altick and Executive Director Lauren Leimbach are siblings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors review tax forms.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2All personnel and board members are required to disclose (in writing) potential conflicts and any related party affiliations. The organization seeks full transparency on all relationships through discussions at Board meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Board of Directors which approves the E.D.'s compensation is comprised of independent persons.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Upon request
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt0150833
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt0266667
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0517395
IRS990/TotalAssetsEOYAmt0813058
IRS990/TotalAssetsGrp/BOYAmt0517395
IRS990/TotalAssetsGrp/EOYAmt0813058
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0621523

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.52$2.39$1.12$0.79$1.29$0.51
2023Detailed filing. Detailed filing data is available for this year.$4.05$2.42$1.63$1.02$1.03$0.01
2022Detailed filing. Detailed filing data is available for this year.$5.38$3.73$1.64$1.08$0.65$0.43
2021Detailed filing. Detailed filing data is available for this year.$2.24$1.03$1.21$1.08$0.61$0.47
2020Detailed filing. Detailed filing data is available for this year.$1.15$0.40$0.74$0.46$0.65$0.19
2019Detailed filing. Detailed filing data is available for this year.$0.95$0.04$0.91$0.43$0.48$0.05
2018Detailed filing. Detailed filing data is available for this year.$0.99$0.03$0.96$0.40$0.50$0.10
2017Detailed filing. Detailed filing data is available for this year.$1.08$0.02$1.06$0.43$0.55$0.13
2016Detailed filing. Detailed filing data is available for this year.$1.22$0.03$1.19$0.87$0.46$0.41
2015Detailed filing. Detailed filing data is available for this year.$0.81$0.04$0.78$0.76$0.48$0.29
2014Summary only. Only limited summary data is available for this year.$0.52$0.03$0.49$0.53$0.48$0.04
2013Summary only. Only limited summary data is available for this year.$0.48$0.03$0.45$0.44$0.48$0.04
2012Summary only. Only limited summary data is available for this year.$0.52$0.03$0.49$0.44$0.51$0.06
2011Summary only. Only limited summary data is available for this year.$0.59$0.04$0.55$0.58$0.42$0.16
2010Summary only. Only limited summary data is available for this year.$0.42$0.03$0.40$0.42$0.35$0.06