Civic Intelligence

Flcct Inc.

990 • Fiscal year 2024 • EIN 34-2018800

Jan 01, 2024 to Dec 31, 2024 • Filed on May 12, 2025

Organization Profilefinancialhp.org
3616 Far West Blvd 117-117Austin, TX 78731

(512) 456-8630

Siviq Scores

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

Liabilities / Assets

55th percentile

0.03x

Higher debt load relative to assets than 55% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

69th percentile

0.10x

Higher debt load relative to revenue than 69% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Net Margin

5th percentile

-59%

Higher net margin than 5% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

95th percentile

$168,610

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 79.1% of source-year revenue.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Asset Growth

16th percentile

-12%

Faster asset growth than 16% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

4th percentile

-60%

Faster revenue growth than 4% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets55th percentile

Assets

Down

$783,857

Down $111,925 (-12%) from 2023

Net Assets

Down

$763,540

Down $126,577 (-14%) from 2023

Liabilities

Up

$20,317

Up $14,652 (+259%) from 2023

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin5th percentile

Revenue

Down

$213,091

Down $314,674 (-60%) from 2023

Expenses

Up

$339,668

Up $102,650 (+43%) from 2023

Net Income

Down

-$126,577

Down $417,324 (-144%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth16th percentile

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

$1.0M$500K$0Assets 2020: $302,147Liabilities 2020: $2,331Net Assets 2020: $299,8162020Assets 2021: $446,156Liabilities 2021: $1,449Net Assets 2021: $444,7072021Assets 2022: $664,371Liabilities 2022: $65,001Net Assets 2022: $599,3702022Assets 2023: $895,782Liabilities 2023: $5,665Net Assets 2023: $890,1172023Assets 2024: $783,857Liabilities 2024: $20,317Net Assets 2024: $763,5402024

Highlighted filing

2024

Assets$783,857
Liabilities$20,317
Net Assets$763,540
Open 2024 Filing

Operations Trend

Revenue Growth4th percentile

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

$600K$400K$200K$0-$200KRevenue 2020: $427,092Expenses 2020: $307,549Net Income 2020: $119,5432020Revenue 2021: $304,440Expenses 2021: $159,549Net Income 2021: $144,8912021Revenue 2022: $385,300Expenses 2022: $233,637Net Income 2022: $151,6632022Revenue 2023: $527,765Expenses 2023: $237,018Net Income 2023: $290,7472023Revenue 2024: $213,091Expenses 2024: $339,668Net Income 2024: -$126,5772024

Highlighted filing

2024

Revenue$213,091
Expenses$339,668
Net Income-$126,577
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.1
Gross Receipts
$213,091
Mission and Program Overview

Mission

Flcct, inc. Is a community based organization focused on improving the financial health of texans. We advocate on behalf of the under-served and provide them with education and resources to achieve financial freedom.

Our mission is to improve economic justice through education, advocacy and support. We convene community partners to develop innovative solutions so that everyone can achieve financial freedom.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$690,501$571,451▼ $119,050
Savings and Temporary Cash Investments$203,918$209,362▲ $5,444
Prepaid Expenses and Deferred Charges$863$2,044▲ $1,181
Accounts Receivable-$500-
Pledges and Grants Receivable$500$500→ $0
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$895,782$783,857▼ $111,925
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$5,665$20,317▲ $14,652
Total Liabilities$5,665$20,317▲ $14,652
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$890,117$763,540▼ $126,577
Total Net Assets Fund Balance$890,117$763,540▼ $126,577
Total Liabilities and Net Assets / Fund Balance$895,782$783,857▼ $111,925
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Lourdes ZunigaExecutive DirectorFT$168,610$168,610

Board Members and Trustees

NameTitle
Felicia MoralesPresident
Dorothy GordonDirector
Mary VanHaneghanDirector
Marycruz De LeonDirector
Margaret RittenhouseTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$192,921
Program Service Revenue
$14,726
Investment Income
$5,444
Other Revenue
$0
All Other Contributions
$192,921
Change in Net Assets
$-126,577
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$211,897
Other Expenses$127,771
Total Fundraising Expense$29,849
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$131,894$14,686$22,029$168,609
Other Salaries and Wages$22,054$2,456$3,684$28,194
Payroll Taxes$11,806$1,315$1,973$15,094
Travel$6,815$598$95$7,508
Fees for Services Accounting-$6,490-$6,490
Fees for Services Other$1,822$4,252-$6,074
Information Technology-$2,817$19$2,836
Office Expenses$1,505$640$299$2,444
Insurance$1,562$208$313$2,083
Advertising-$12$1,401$1,413
Conferences and Meetings$728$583-$1,311
Other Expenses$253$69-$69
All Other Expenses$1-$36$37
Total Functional Expenses$275,226$34,593$29,849$339,668
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
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
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, Section B, Line 11B

“The 990 is prepared by a third party and reviewed by a board member and the Executive Director. The finalized 990 is placed in a secure location for the entire board to review before submission.”

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

“A board member reviews the monthly expenditures for adherence to the conflict of interest policy.”

Form 990, Part VI, Section B, Line 15A

“The Executive Committee reviews the Executive Director's accomplishments for the year, along with the accomplishments on target to be completed. The committee also reviews the salaries of other 501c3 organizations with comparable revenues in the geographic area. The Board Chair issues a recommendation, and the Executive Committee approves the salary. The salary is then submitted to the entire board for consideration and the board approves.”

Form 990, Part VI, Section C, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Flcct Inc
EIN
34-2018800
Phone
5124568630
Address
3616 Far West Blvd 117-117, Austin, TX 78731

Signing Officer

Name
Lourdes Zuniga
Title
Executive Director
Signed
2025-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lourdes Zuniga
Formed
2004
Legal Domicile
TX
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
20

Preparer

Firm
Key Figures LLC
Address
7700 Northcross Dr Unit 9708, Austin, TX 78766
Preparer
Catherine J Ruiz EA
Phone
5129202695
Supplemental Narrative

Additional Explanations

Form 990, Part I, Prior Year Column, Lines 8, 12, and 19.

“The 2023 amounts reported in the prior-year column reflect adjustments from an independent audit conducted after the original filing. The audit reduced contributions revenue and net assets by equal amounts, resulting in no net change to total net assets. No amended return was filed for TY2023.”

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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Lourdes Zuniga
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The 990 is prepared by a third party and reviewed by a board member and the Executive Director. The finalized 990 is placed in a secure location for the entire board to review before submission.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A board member reviews the monthly expenditures for adherence to the conflict of interest policy.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Executive Committee reviews the Executive Director's accomplishments for the year, along with the accomplishments on target to be completed. The committee also reviews the salaries of other 501c3 organizations with comparable revenues in the geographic area. The Board Chair issues a recommendation, and the Executive Committee approves the salary. The salary is then submitted to the entire board for consideration and the board approves.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The 2023 amounts reported in the prior-year column reflect adjustments from an independent audit conducted after the original filing. The audit reduced contributions revenue and net assets by equal amounts, resulting in no net change to total net assets. No amended return was filed for TY2023.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part I, Prior Year Column, Lines 8, 12, and 19.
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IRS990/WebsiteAddressTxt0https://financialhp.org/
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Lourdes Zuniga
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Director
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FLCCT INC

Document Assets

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Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$783,857
Liabilities
$20,317
Net assets
$763,540
Revenue
$213,091
Expenses
$339,668
Net income
-$126,577
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$7.84$0.20$7.64$2.13$3.40$1.27
2023Detailed filing. Detailed filing data is available for this year.$8.96$0.06$8.90$5.28$2.37$2.91
2022Detailed filing. Detailed filing data is available for this year.$6.64$0.65$5.99$3.85$2.34$1.52
2021Detailed filing. Detailed filing data is available for this year.$4.46$0.01$4.45$3.04$1.60$1.45
2020Detailed filing. Detailed filing data is available for this year.$3.02$0.02$3.00$4.27$3.08$1.20