Civic Intelligence

Consumer Bankruptcy Associaton

EIN 38-2838699 • 501(c)6 • Southfield, MI

Profile

Educational seminars on bankruptcy

26555 Evergreen Road Suite 1100Southfield, MI 48076-4251

www.cbadetroit.com

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

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

501(c)6 • <$500k nonprofits • Source year 2023

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2023

Net Margin

100th percentile

3244%

Higher net margin than 100% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2023

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2023

Asset Growth

29th percentile

-17%

Faster asset growth than 29% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2022 to 2023

Revenue Growth

Score unavailable

No value available

A valid growth rate could not be computed from the available filing history.

Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets49th percentile

Assets

Down

$86,934

Down $18,263 (-17%) from 2022

Liabilities

Flat

$0

Flat from 2022

Net Assets

Down

$86,934

Down $18,263 (-17%) from 2022

Operations
Liabilities / RevenueScore unavailableNet Margin100th percentile

Revenue

Down

-$563

Down $7,194 (-108%) from 2022

Expenses

Up

$17,700

Up $9,752 (+123%) from 2022

Net Income

Down

-$18,263

Down $16,946 (-1287%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth29th percentile

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

$150K$100K$50K$0Assets 2011: $86,349Liabilities 2011: $0Net Assets 2011: $86,3492011Assets 2012: $96,579Liabilities 2012: $0Net Assets 2012: $96,5792012Assets 2013: $94,822Liabilities 2013: $0Net Assets 2013: $94,8222013Assets 2014: $109,669Liabilities 2014: $0Net Assets 2014: $109,6692014Assets 2015: $113,228Liabilities 2015: $0Net Assets 2015: $113,2282015Assets 2016: $95,094Liabilities 2016: $0Net Assets 2016: $95,0942016Assets 2017: $89,172Liabilities 2017: $0Net Assets 2017: $89,1722017Assets 2018: $84,179Liabilities 2018: $0Net Assets 2018: $84,1792018Assets 2019: $81,292Liabilities 2019: $0Net Assets 2019: $81,2922019Assets 2020: $85,942Liabilities 2020: $0Net Assets 2020: $85,9422020Assets 2021: $106,514Liabilities 2021: $0Net Assets 2021: $106,5142021Assets 2022: $105,197Liabilities 2022: $0Net Assets 2022: $105,1972022Assets 2023: $86,934Liabilities 2023: $0Net Assets 2023: $86,9342023

Highlighted filing

2023

Assets$86,934
Liabilities$0
Net Assets$86,934
Open 2023 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$60K$40K$20K$0-$20KRevenue 2011: $54,115Expenses 2011: $27,382Net Income 2011: $26,7332011Expenses 2012: $23,4172012Revenue 2013: $28,359Expenses 2013: $30,116Net Income 2013: -$1,7572013Revenue 2014: $25,702Expenses 2014: $10,855Net Income 2014: $14,8472014Revenue 2015: $29,539Expenses 2015: $25,980Net Income 2015: $3,5592015Revenue 2016: $17,008Expenses 2016: $35,142Net Income 2016: -$18,1342016Revenue 2017: $18,775Expenses 2017: $24,697Net Income 2017: -$5,9222017Revenue 2018: $12,303Expenses 2018: $17,296Net Income 2018: -$4,9932018Revenue 2019: $12,604Expenses 2019: $15,491Net Income 2019: -$2,8872019Revenue 2020: $17,308Expenses 2020: $12,658Net Income 2020: $4,6502020Revenue 2021: $25,676Expenses 2021: $5,104Net Income 2021: $20,5722021Revenue 2022: $6,631Expenses 2022: $7,948Net Income 2022: -$1,3172022Revenue 2023: -$563Expenses 2023: $17,700Net Income 2023: -$18,2632023

Highlighted filing

2023

Revenue-$563
Expenses$17,700
Net Income-$18,263
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$86,934
Liabilities
$0
Net assets
$86,934
Revenue
-$563
Expenses
$17,700
Net income
-$18,263
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.87$0.00$0.87$0.01$0.18$0.18
2022Detailed filing. Detailed filing data is available for this year.$1.05$0.00$1.05$0.07$0.08$0.01
2021Detailed filing. Detailed filing data is available for this year.$1.07$0.00$1.07$0.26$0.05$0.21
2020Detailed filing. Detailed filing data is available for this year.$0.86$0.00$0.86$0.17$0.13$0.05
2019Detailed filing. Detailed filing data is available for this year.$0.81$0.00$0.81$0.13$0.15$0.03
2018Detailed filing. Detailed filing data is available for this year.$0.84$0.00$0.84$0.12$0.17$0.05
2017Detailed filing. Detailed filing data is available for this year.$0.89$0.00$0.89$0.19$0.25$0.06
2016Detailed filing. Detailed filing data is available for this year.$0.95$0.00$0.95$0.17$0.35$0.18
2015Detailed filing. Detailed filing data is available for this year.$1.13$0.00$1.13$0.30$0.26$0.04
2014Detailed filing. Detailed filing data is available for this year.$1.10$0.00$1.10$0.26$0.11$0.15
2013Detailed filing. Detailed filing data is available for this year.$0.95$0.00$0.95$0.28$0.30$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.97$0.00$0.97$0.23
2011Summary only. Only limited summary data is available for this year.$0.86$0.00$0.86$0.54$0.27$0.27
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Jun 19, 2024
Return Version
2023v5.0
Gross Receipts
$12,257
Mission and Program Overview

Mission

Educational seminars on bankruptcy

Consumer bankruptcy association is a professional orgainization that addresses the needs of those involved in consumer bankruptcy matters.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$70,808$70,780▼ $28
Cash and Non-Interest-Bearing Accounts$34,389$16,154▼ $18,235
Total Assets$105,197$86,934▼ $18,263
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$105,197$86,934▼ $18,263
Total Net Assets Fund Balance$105,197$86,934▼ $18,263
Total Liabilities and Net Assets / Fund Balance$105,197$86,934▼ $18,263
Compensation and Service Providers
Top Officer Pay77th percentile

Board Members and Trustees

NameTitle
Craig S SchoenherrPresident
Alexander Berry-santoroDirector
Andrea CartwrightDirector
Brett BorderDirector
Charles J SchneiderDirector
Crystal Price-buckleyDirector
Karen EvangelistaDirector
Sonya GollDirector
Tom DecarloDirector
Cara LassnerSecretary
David W RuskinTreasurer
Brian Joel SmallVice Pres.
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,250
Investment Income
$7
Other Revenue
$-12,820
Change in Net Assets
$-18,263
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$17,700
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Conferences and Meetings$5,911--$5,911
Insurance-$1,320-$1,320
Fees for Services Legal-$1,157-$1,157
Fees for Services Accounting-$825-$825
Office Expenses-$751-$751
Other Expenses-$495-$495
All Other Expenses-$145-$145
Total Functional Expenses$5,911$11,789$0$17,700
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$12,820
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 7A

“The board is elected by members as per the bylaws. The board chooses officers from those elected by the membership.”

Form 990, Page 6, Part VI, Line 11B

“Reviewed by appropriate personnel prior to filing”

Form 990, Page 6, Part VI, Line 19

“Governing documents, conflicts of interest policy and financial statements made available to public upon request.”

Filing and Contact Details

Filer

Filer Name
Consumer Bankruptcy Associaton
EIN
38-2838699
Phone
2483525080
Address
26555 EVERGREEN ROAD SUITE 1100, SOUTHFIELD, MI 48076-4251

Signing Officer

Name
David W Ruskin
Title
Treasurer
Phone
2483525080
Signed
2024-06-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Craig S Schoenherr
Formed
1988
Legal Domicile
Mi
Voting Board Members
12
Independent Board Members
12
Employees
0

Preparer

Firm
Cenko Vendittelli Haynes and Tokarz Plc
Address
5700 CROOKS RD STE 207, TROY, MI 48098-2809
Preparer
Andrew Tokarz
Phone
2486497628
Raw XML Appendix305 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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IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRES.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD IS ELECTED BY MEMBERS AS PER THE BYLAWS. THE BOARD CHOOSES OFFICERS FROM THOSE ELECTED BY THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1REVIEWED BY APPROPRIATE PERSONNEL PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY AND FINANCIAL STATEMENTS MADE AVAILABLE TO PUBLIC UPON REQUEST.
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IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0105197
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt086934
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0WWW.CBADETROIT.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID W RUSKIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum02483525080
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-06-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CONSUMER BANKRUPTCY ASSOCIATON
ReturnHeader/Filer/BusinessNameControlTxt0CONS
ReturnHeader/Filer/EIN0382838699
ReturnHeader/Filer/PhoneNum02483525080
ReturnHeader/Filer/USAddress/AddressLine1Txt026555 EVERGREEN ROAD SUITE 1100
ReturnHeader/Filer/USAddress/CityNm0SOUTHFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd0480764251
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810584482
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CENKO VENDITTELLI HAYNES AND TOKARZ PLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05700 CROOKS RD STE 207
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TROY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0480982809
ReturnHeader/PreparerPersonGrp/PhoneNum02486497628
ReturnHeader/PreparerPersonGrp/PreparationDt02024-06-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANDREW TOKARZ
ReturnHeader/ReturnTs02024-07-01T10:01:31-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0DAVID W
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0RUSKIN
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

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