Civic Intelligence

Financial Education Initiative

990EZ • Fiscal year 2024 • EIN 27-1052771

Jan 01, 2024 to Dec 31, 2024 • Filed on Mar 17, 2025

100 S State St 4th FloorChicago, IL 60603

(510) 913-7828

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2024

Liabilities / Revenue

57th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

2nd percentile

-452%

Higher net margin than 2% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

98th percentile

$108,978

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 84.9% of source-year revenue.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

3rd percentile

-100%

Faster asset growth than 3% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

3rd percentile

-89%

Faster revenue growth than 3% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Assets

Down

$0

Down $1,525,712 (-100%) from 2022

Net Assets

Down

$0

Down $982,773 (-100%) from 2022

Liabilities

Down

$0

Down $542,939 (-100%) from 2022

Revenue

Down

$128,407

Down $1,868,180 (-94%) from 2022

Expenses

Down

$708,608

Down $1,577,612 (-69%) from 2022

Net Income

Down

-$580,201

Down $290,568 (-100%) from 2022

Historical Trend

Balance Sheet Trend

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

$3.0M$2.0M$1.0M$0Assets 2013: $44,578Liabilities 2013: $0Net Assets 2013: $44,5782013Assets 2014: $376,117Liabilities 2014: $2,491Net Assets 2014: $373,6262014Assets 2015: $627,616Liabilities 2015: $7,950Net Assets 2015: $619,6662015Assets 2016: $422,176Liabilities 2016: $5,627Net Assets 2016: $416,5492016Assets 2017: $470,209Liabilities 2017: $35,580Net Assets 2017: $434,6292017Assets 2019: $155,422Liabilities 2019: $39,294Net Assets 2019: $116,1282019Assets 2020: $1,140,905Liabilities 2020: $305,410Net Assets 2020: $835,4952020Assets 2021: $2,812,630Liabilities 2021: $675,600Net Assets 2021: $2,137,0302021Assets 2022: $1,525,712Liabilities 2022: $542,939Net Assets 2022: $982,7732022Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2024

Assets$0
Liabilities$0
Net Assets$0

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2013: $164,5562013Revenue 2014: $734,092Expenses 2014: $415,631Net Income 2014: $318,4612014Revenue 2015: $1,462,504Expenses 2015: $1,216,464Net Income 2015: $246,0402015Revenue 2016: $997,766Expenses 2016: $1,200,883Net Income 2016: -$203,1172016Revenue 2017: $888,620Expenses 2017: $1,254,733Net Income 2017: -$366,1132017Revenue 2019: $699,767Expenses 2019: $1,018,892Net Income 2019: -$319,1252019Revenue 2020: $1,484,808Expenses 2020: $765,441Net Income 2020: $719,3672020Revenue 2021: $2,607,050Expenses 2021: $1,305,515Net Income 2021: $1,301,5352021Revenue 2022: $1,996,587Expenses 2022: $2,286,220Net Income 2022: -$289,6332022Revenue 2024: $128,407Expenses 2024: $708,608Net Income 2024: -$580,2012024

Highlighted filing

2024

Revenue$128,407
Expenses$708,608
Net Income-$580,201
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 17, 2025
Return Version
2024v5.0
Gross Receipts
$128,407
Mission and Program Overview

Mission

Moneythink expands economic opportunity in the United States by equipping urban youth to believe in themselves, navigate the financial decisions of adulthood, and achieve financial prosperity. Moneythink gets young people excited about making smart financial decisions and starts them down the path toward economic success - in turn, generating a financial ripple effect through families and entire communities.

Moneythink empowers college bound students particularly institutionally underserved students to achieve success by supporting financial decision-making through transparency and technology

Program Services

DescriptionGrantsExpenses
0--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Joshua LachsCEOPT$103,945$5,033$108,978
Gregory NanceBoard Chair-$0--
Patrice BerrySecretary-$0--
Leigh PhillipsTreasurer-$0--
Filing and Contact Details

Filer

Filer Name
Moneythink
EIN
27-1052771
Phone
5109137828
Address
100 S STATE ST 4TH FLOOR, CHICAGO, IL 60603

Signing Officer

Name
Joshua Lachs
Title
CEO
Phone
0000000000
Signed
2025-03-17
Supplemental Narrative

Additional Explanations

Schedule O:

Part I, Line 16 ? other expenses $348,123 $1,208 ? office and operations $7,664 - information technology $3,176 ? travel $26,272 ? insurance $309,803 ? depreciation expense Part I, line 20 - other changes to net assets ($36,249) auditors adjustment to donor restriction Part II, line 26 ? Total Liabilities - $631 $14.29 = credit card balance $616.33 = remaining payout for employee retirement Part V, line 41 A copy of this form in flied In California and Illinois

Raw XML Appendix183 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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IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0true
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IRS990EZ/OtherChangesInNetAssetsAmt0-40807
IRS990EZ/OtherExpensesTotalAmt0348123
IRS990EZ/OtherRevenueTotalAmt00
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Part I, Line 16 ? other expenses $348,123 $1,208 ? office and operations $7,664 - information technology $3,176 ? travel $26,272 ? insurance $309,803 ? depreciation expense Part I, line 20 - other changes to net assets ($36,249) auditors adjustment to donor restriction Part II, line 26 ? Total Liabilities - $631 $14.29 = credit card balance $616.33 = remaining payout for employee retirement Part V, line 41 A copy of this form in flied In California and Illinois
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule O:
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Joshua Lachs
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum00000000000
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-03-17
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ReturnHeader/Filer/BusinessNameControlTxt0MONE
ReturnHeader/Filer/EIN0271052771
ReturnHeader/Filer/PhoneNum05109137828
ReturnHeader/Filer/USAddress/AddressLine1Txt0100 S STATE ST 4TH FLOOR
ReturnHeader/Filer/USAddress/CityNm0CHICAGO
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ReturnHeader/Filer/USAddress/ZIPCd060603
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/ReturnTs02025-03-17T20:30:05Z
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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Filings