Civic Intelligence

Ohio Consumer Lenders Association

990 • Fiscal year 2013 • EIN 27-3955462

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 13, 2014

7001 Post Road No 20043016

(614) 798-5900

Siviq Scores

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

Liabilities / Assets

47th percentile

0.00x

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

2013 filings • 501(c)6 • <$500k nonprofits • Source year 2013

Liabilities / Revenue

48th percentile

0.00x

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

2013 filings • 501(c)6 • <$500k nonprofits • Source year 2013

Net Margin

97th percentile

48%

Higher net margin than 97% of similar nonprofits.

2013 filings • 501(c)6 • <$500k nonprofits • Source year 2013

Top Officer Pay

67th percentile

$0

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2013 filings • 501(c)6 • <$500k nonprofits • Source year 2013

Asset Growth

98th percentile

259%

Faster asset growth than 98% of similar nonprofits.

2013 filings • 501(c)6 • <$500k 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

Assets

Up

$346,203

Up $249,705 (+259%) from 2012

Net Assets

Up

$346,203

Up $249,705 (+259%) from 2012

Liabilities

Flat

$0

Flat from 2012

Revenue

$349,400

No earlier filing loaded for comparison.

Expenses

Up

$181,150

Up $37,805 (+26%) from 2012

Net Income

$168,250

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$800K$600K$400K$200K$0Assets 2012: $96,498Liabilities 2012: $0Net Assets 2012: $96,4982012Assets 2013: $346,203Liabilities 2013: $0Net Assets 2013: $346,2032013Assets 2014: $487,420Liabilities 2014: $0Net Assets 2014: $487,4202014Assets 2015: $570,995Liabilities 2015: $0Net Assets 2015: $570,9952015Assets 2016: $690,625Liabilities 2016: $0Net Assets 2016: $690,6252016Assets 2017: $289,856Liabilities 2017: $2,500Net Assets 2017: $287,3562017Assets 2018: $69,729Liabilities 2018: $0Net Assets 2018: $69,7292018Assets 2019: $0Liabilities 2019: $0Net Assets 2019: $02019

Highlighted filing

2013

Assets$346,203
Liabilities$0
Net Assets$346,203

Operations Trend

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

$1.0M$500K$0-$500KExpenses 2012: $143,3452012Revenue 2013: $349,400Expenses 2013: $181,150Net Income 2013: $168,2502013Revenue 2014: $383,500Expenses 2014: $242,283Net Income 2014: $141,2172014Revenue 2015: $440,000Expenses 2015: $358,925Net Income 2015: $81,0752015Revenue 2016: $360,000Expenses 2016: $240,370Net Income 2016: $119,6302016Revenue 2017: $307,500Expenses 2017: $710,769Net Income 2017: -$403,2692017Revenue 2018: $247,500Expenses 2018: $442,627Net Income 2018: -$195,1272018Revenue 2019: $0Expenses 2019: $37,229Net Income 2019: -$37,2292019

Highlighted filing

2013

Revenue$349,400
Expenses$181,150
Net Income$168,250
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 13, 2014
Return Version
2013v3.0
Gross Receipts
$349,400
Mission and Program Overview

Mission

To serve as a trade association to promote the common business interests of consumer financial services organizations operating in ohio and to generally improve the overall business conditions in which those organizations operate.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$158,564$295,114▲ $136,550
Accounts Receivable$17,500$50,000▲ $32,500
Land, Buildings, and Equipment, Net$1,889$1,089▼ $800
Total Assets$177,953$346,203▲ $168,250
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Unrestricted Net Assets$177,953$346,203▲ $168,250
Total Net Assets Fund Balance$177,953$346,203▲ $168,250
Total Liabilities and Net Assets / Fund Balance$177,953$346,203▲ $168,250

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,089$2,911$4,000
Compensation and Service Providers

Board Members and Trustees

NameTitle
Ted SaundersPresident
John RabenoldDirector
Osjha Anderson DomeniconeDirector
Darrell DreherSecretary
Chris HennTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$349,400
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$168,250
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$126,150
Grants and Similar Amounts Paid$55,000
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$115,319
Grants to Domestic Orgs---$55,000
Fees for Services Accounting---$7,513
Travel---$1,365
Office Expenses---$1,061
Depreciation Depletion---$800
Other Expenses---$92
Total Functional Expenses$0$0$0$181,150
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
27-4462638-501(c)(4)To Support the Advocacy Efforts of the Organization.$25,000
45-4875305-501(c)(4)To Support the Advocacy Efforts of the Organization.$25,000
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
In-house lobbying only
Yes
Subject to proxy tax
Yes
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 family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The organization has members. There are two classes of members, voting members and regular members. Regular members do not have voting rights except that two-thirds majority vote of the regular members is required to amend the organization's code of regulations.

Form 990, Part VI, Section A, Line 7A

The board of directors are elected by the voting members at the annual meeting of the members.

Form 990, Part VI, Section A, Line 7B

The code of regulations can be changed with the approval of two-thirds of all the members.

Form 990, Part VI, Section A, Line 8B

The organization does not have any such committees.

Form 990, Part VI, Section B, Line 11

The form 990 was reviewed and approved by the president before filing. Further, the entire board had the opportunity to review and comment on the form 990 prior to its filing with the irs.

Form 990, Part VI, Section B, Line 12C

Statements disclosing annual interests that could give rise to conflict are filled out and signed. In addition, these statements are reviewed annually by the organization.

Form 990, Part VI, Section B, Line 15

The organization did not compensate anyone during 2013.

Form 990, Part VI, Section C, Line 18

The organization's form 990 is available upon request and via another's website, www.guidestar.org. Additionally, form 1024 is available upon request.

Form 990, Part VI, Section C, Line 19

The organization's governing documents, conflict of interest policy, and financial statements are not made available to the public.

Filing and Contact Details

Filer

EIN
27-3955462
Phone
6147985900

Signing Officer

Name
Ted Saunders
Title
President
Phone
6147985900
Signed
2014-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ted Saunders
Formed
2010
Legal Domicile
Oh
Voting Board Members
5
Independent Board Members
5
Employees
0
Volunteers
0

Preparer

Preparer
Tj Conger CPA
Phone
6142242164
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

CONSULTING FEES 115,319.

Raw XML Appendix314 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
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IRS990/AnnualDisclosureCoveredPrsnInd01
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IRS990/BooksInCareOfDetail/USAddress/City0DUBLIN
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IRS990/Form990PartVIISectionAGrp/PersonNm0TED SAUNDERS
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IRS990/Form990PartVIISectionAGrp/PersonNm2OSJHA ANDERSON DOMENICONE
IRS990/Form990PartVIISectionAGrp/PersonNm3CHRIS HENN
IRS990/Form990PartVIISectionAGrp/PersonNm4JOHN RABENOLD
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd01
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IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
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IRS990/GamingActivitiesInd00
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IRS990/GrantsToDomesticOrgsGrp/TotalAmt055000
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0349400
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt04
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02911
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01889
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01089
IRS990/LandBldgEquipCostOrOtherBssAmt04000
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO SERVE AS A TRADE ASSOCIATION TO PROMOTE THE COMMON BUSINESS INTERESTS OF CONSUMER FINANCIAL SERVICES ORGANIZATIONS OPERATING IN OHIO AND TO GENERALLY IMPROVE THE OVERALL BUSINESS CONDITIONS IN WHICH THOSE ORGANIZATIONS OPERATE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0177953
IRS990/NetAssetsOrFundBalancesEOYAmt0346203
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt01061
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt092
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0TED SAUNDERS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/Desc0MEMBERSHIP DUES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0349400
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0349400
IRS990/ProgSrvcAccomActy2Grp/Desc0PERIODICALLY PUBLISH A NEWSLETTER ADDRESSING ISSUES GERMANE TO THE CONSUMER FINANCIAL SERVICES INDUSTRY AND DISTRIBUTE IT TO ITS MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0SET STANDARDS FOR MEMBERSHIP WITH THE INTENTION OF BRINGING HIGHER ETHICAL STANDARDS TO THE CONSUMER FINANCIAL INDUSTRY IN OHIO.
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IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
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IRS990ScheduleC/AgreeCarryoverPriorYearInd00
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IRS990ScheduleC/SubstantiallyAllDuesNondedInd00
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IRS990ScheduleD/TotalBookValueLandBuildingsAmt01089
IRS990ScheduleI/GrantRecordsMaintainedInd00
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IRS990ScheduleI/RecipientTable/CashGrantAmt125000
IRS990ScheduleI/RecipientTable/IRCSectionDesc0501(C)(4)
IRS990ScheduleI/RecipientTable/IRCSectionDesc1501(C)(4)
IRS990ScheduleI/RecipientTable/NonCashAssistanceDesc0N/A
IRS990ScheduleI/RecipientTable/NonCashAssistanceDesc1N/A
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0TO SUPPORT THE ADVOCACY EFFORTS OF THE ORGANIZATION.
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt1TO SUPPORT THE ADVOCACY EFFORTS OF THE ORGANIZATION.
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine10ONE OHIO UNITED
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine11RENEW OHIO
IRS990ScheduleI/RecipientTable/RecipientEIN0274462638
IRS990ScheduleI/RecipientTable/RecipientEIN1454875305
IRS990ScheduleI/RecipientTable/USAddress/AddressLine10145 E RICH ST
IRS990ScheduleI/RecipientTable/USAddress/AddressLine11100 EAST BROAD STREET
IRS990ScheduleI/RecipientTable/USAddress/City0COLUMBUS
IRS990ScheduleI/RecipientTable/USAddress/City1COLUMBUS
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IRS990ScheduleI/RecipientTable/USAddress/State1OH
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. THERE ARE TWO CLASSES OF MEMBERS, VOTING MEMBERS AND REGULAR MEMBERS. REGULAR MEMBERS DO NOT HAVE VOTING RIGHTS EXCEPT THAT TWO-THIRDS MAJORITY VOTE OF THE REGULAR MEMBERS IS REQUIRED TO AMEND THE ORGANIZATION'S CODE OF REGULATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE VOTING MEMBERS AT THE ANNUAL MEETING OF THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CODE OF REGULATIONS CAN BE CHANGED WITH THE APPROVAL OF TWO-THIRDS OF ALL THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION DOES NOT HAVE ANY SUCH COMMITTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FORM 990 WAS REVIEWED AND APPROVED BY THE PRESIDENT BEFORE FILING. FURTHER, THE ENTIRE BOARD HAD THE OPPORTUNITY TO REVIEW AND COMMENT ON THE FORM 990 PRIOR TO ITS FILING WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5STATEMENTS DISCLOSING ANNUAL INTERESTS THAT COULD GIVE RISE TO CONFLICT ARE FILLED OUT AND SIGNED. IN ADDITION, THESE STATEMENTS ARE REVIEWED ANNUALLY BY THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZATION DID NOT COMPENSATE ANYONE DURING 2013.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE ORGANIZATION'S FORM 990 IS AVAILABLE UPON REQUEST AND VIA ANOTHER'S WEBSITE, WWW.GUIDESTAR.ORG. ADDITIONALLY, FORM 1024 IS AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9CONSULTING FEES 115,319.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
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IRS990/SubjectToProxyTaxInd01
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
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IRS990/TotalAssetsEOYAmt0346203
IRS990/TotalAssetsGrp/BOYAmt0177953
IRS990/TotalAssetsGrp/EOYAmt0346203
IRS990/TotalCompGreaterThan150KInd00
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IRS990/TotalLiabilitiesBOYAmt00
IRS990/TotalLiabilitiesEOYAmt00
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IRS990/WebsiteAddressTxt0OHIOCLA.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TED SAUNDERS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06147985900
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10OHIO CONSUMER LENDERS ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0OHIO
ReturnHeader/Filer/EIN0273955462
ReturnHeader/Filer/PhoneNum06147985900
ReturnHeader/Filer/USAddress/AddressLine107001 POST ROAD NO 200
ReturnHeader/Filer/USAddress/City0DUBLIN
ReturnHeader/Filer/USAddress/State0OH
ReturnHeader/Filer/USAddress/ZIPCode043016
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0314419361
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10JOHN GERLACH & COMPANY LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1037 W BROAD ST STE 530
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0COLUMBUS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode043215
ReturnHeader/PreparerPersonGrp/PhoneNum06142242164
ReturnHeader/PreparerPersonGrp/PreparationDt02014-08-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TJ CONGER CPA
ReturnHeader/ReturnTs02014-08-20T13:25:43-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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