Civic Intelligence

Zacchaeus Financial Counseling Inc

EIN 35-2453593 • 501(c)3 • Lake Junaluska, NC

Pub. 78 Eligible990-N CoverageNTEE P51

Profile

Financial Planning

125 N Lakeshore Drive STE 9Lake Junaluska, NC 28745

zacchaeusfinancial.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

64th percentile

0.00x

Higher debt load relative to assets than 64% of similar nonprofits.

NTEE P • <$500k nonprofits • Source year 2024

Liabilities / Revenue

65th percentile

0.00x

Higher debt load relative to revenue than 65% of similar nonprofits.

NTEE P • <$500k nonprofits • Source year 2024

Net Margin

62nd percentile

16%

Higher net margin than 62% of similar nonprofits.

NTEE P • <$500k nonprofits • Source year 2024

Top Officer Pay

83rd percentile

$0

Higher top officer pay than 83% of similar nonprofits.

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

NTEE P • <$500k nonprofits • Source year 2024

Asset Growth

85th percentile

83%

Faster asset growth than 85% of similar nonprofits.

NTEE P • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

10th percentile

-70%

Faster revenue growth than 10% of similar nonprofits.

NTEE P • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$2,016

Up $915 (+83%) from 2023

Liabilities

Up

$3

Up $3 from 2023

Net Assets

Up

$2,013

Up $912 (+83%) from 2023

Operations
Liabilities / Revenue65th percentileNet Margin62nd percentile

Revenue

Down

$5,629

Down $13,101 (-70%) from 2023

Expenses

Down

$4,717

Down $16,564 (-78%) from 2023

Net Income

Up

$912

Up $3,463 (+136%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth85th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$3.0K$2.0K$1.0K$0Assets 2023: $1,101Liabilities 2023: $0Net Assets 2023: $1,1012023Assets 2024: $2,016Liabilities 2024: $3Net Assets 2024: $2,0132024

Highlighted filing

2024

Assets$2,016
Liabilities$3
Net Assets$2,013
Open 2024 Filing

Operations Trend

Revenue Growth10th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30K$20K$10K$0-$10KRevenue 2023: $18,730Expenses 2023: $21,281Net Income 2023: -$2,5512023Revenue 2024: $5,629Expenses 2024: $4,717Net Income 2024: $9122024

Highlighted filing

2024

Revenue$5,629
Expenses$4,717
Net Income$912
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$2,016
Liabilities
$3
Net assets
$2,013
Revenue
$5,629
Expenses
$4,717
Net income
$912
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.02$0.00$2.01$5.63$4.72$0.91
2023Detailed filing. Detailed filing data is available for this year.$1.10$0.00$1.10$18.7$21.3$2.55
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 8, 2025
Return Version
2024v5.2
Gross Receipts
$5,629
Mission and Program Overview

Mission

Financial Planning

Program Services

DescriptionGrantsExpenses
Financial planning and financial literacy for low and middle income households regardless of the ability to pay.-$4,718
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert J Ritter JRPresident-$0--
Filing and Contact Details

Filer

Filer Name
Zacchaeus Financial Counseling Inc
EIN
35-2453593
In Care Of
% Joseph Ritter
Address
125 N Lakeshore Drive STE 9, Lake Junaluska, NC 28745

Signing Officer

Name
Joseph Ritter
Title
President
Phone
8284765045
Signed
2025-05-08
Discuss with paid preparer
Yes

Preparer

Firm
Robert Joseph Ritter Jr EA
Address
125 N Lakeshore Drive Suite 9, Lake Junaluska, NC 28745
Preparer
Robert Joseph Ritter Jr Ea
Phone
8668622220
Supplemental Narrative

Additional Explanations

Description of other expenses Part I line 16

“Description AmountBank Fees 36Licenses and Permits 516Office Expense 398Advertising 441Payroll Taxes 41Travel Expense and Mileage 1,195Website 799Program Expense - Homeschool Class 391Telephone Expense 50”

Description of other assets Part II line 24

“Category Beginning of Year End of YearAccounts Receivable 0 485”

Description of total liabilities Part II line 26

“Category Beginning of Year End of YearPayroll Liabilities 0 3”

Raw XML Appendix134 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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IRS990EZ/BooksInCareOfDetail/PersonNm0Robert J Ritter JR
IRS990EZ/BooksInCareOfDetail/PhoneNum08284765045
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0125 N Lakeshore Drive Ste 9
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Lake Junaluska
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NC
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd028745
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt01101
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt01531
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt05629
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0912
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt01101
IRS990EZ/Form990TotalAssetsGrp/EOYAmt02016
IRS990EZ/GrossReceiptsAmt05629
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt01101
IRS990EZ/NetAssetsOrFundBalancesEOYAmt02013
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IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt02013
IRS990EZ/OccupancyRentUtltsAndMaintAmt0350
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0485
IRS990EZ/OtherExpensesTotalAmt03867
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Financial Planning
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Financial planning and financial literacy for low and middle income households regardless of the ability to pay.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt04718
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt0500
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt03
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt04717
IRS990EZ/TotalProgramServiceExpensesAmt04718
IRS990EZ/TotalRevenueAmt05629
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0zacchaeusfinancial.org
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt05629
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt018730
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt013463
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt07914
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt010064
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt055800
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt055800
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt05629
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt018730
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt013463
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt07914
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt010064
IRS990ScheduleA/Total509Grp/TotalAmt055800
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt05629
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt018730
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt013463
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt07914
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt010064
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt055800
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Description AmountBank Fees 36Licenses and Permits 516Office Expense 398Advertising 441Payroll Taxes 41Travel Expense and Mileage 1,195Website 799Program Expense - Homeschool Class 391Telephone Expense 50
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Category Beginning of Year End of YearAccounts Receivable 0 485
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Category Beginning of Year End of YearPayroll Liabilities 0 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Description of other expenses Part I line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Description of other assets Part II line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Description of total liabilities Part II line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0JOSEPH RITTER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum08284765045
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Zacchaeus Financial Counseling Inc
ReturnHeader/Filer/BusinessNameControlTxt0ZACC
ReturnHeader/Filer/EIN0352453593
ReturnHeader/Filer/InCareOfNm0% Joseph Ritter
ReturnHeader/Filer/USAddress/AddressLine1Txt0125 N Lakeshore Drive STE 9
ReturnHeader/Filer/USAddress/CityNm0Lake Junaluska
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd028745
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0832396480
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Robert Joseph Ritter Jr EA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0125 N Lakeshore Drive Suite 9
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Lake Junaluska
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd028745
ReturnHeader/PreparerPersonGrp/PhoneNum08668622220
ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROBERT JOSEPH RITTER JR EA
ReturnHeader/ReturnTs02025-09-16T13:11:58-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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