Civic Intelligence

Greenpath Inc.

990 • Fiscal year 2016 • EIN 38-6142925

Jan 01, 2016 to Dec 31, 2016 • Filed on May 01, 2017

36500 Corporate DriveFarmington Hills, MI 48331

(248) 553-5400

Siviq Scores

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

Liabilities / Assets

66th percentile

0.47x

Higher debt load relative to assets than 66% of similar nonprofits.

2016 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

62nd percentile

0.66x

Higher debt load relative to revenue than 62% of similar nonprofits.

2016 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2016

Net Margin

43rd percentile

1.0%

Higher net margin than 43% of similar nonprofits.

2016 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

56th percentile

$377,163

Higher top officer pay than 56% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

2016 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2016

Asset Growth

51st percentile

2.1%

Faster asset growth than 51% of similar nonprofits.

2016 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

35th percentile

-1.9%

Faster revenue growth than 35% of similar nonprofits.

2016 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Assets

Up

$51,762,525

Up $1,070,418 (+2.1%) from 2015

Net Assets

Up

$27,357,397

Up $544,321 (+2.0%) from 2015

Liabilities

Up

$24,405,128

Up $526,097 (+2.2%) from 2015

Revenue

Down

$36,885,317

Down $727,978 (-1.9%) from 2015

Expenses

Down

$36,529,605

Down $632,642 (-1.7%) from 2015

Net Income

Down

$355,712

Down $95,336 (-21%) from 2015

Historical Trend

Balance Sheet Trend

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

$80M$60M$40M$20M$0Assets 2010: $38,948,108Liabilities 2010: $19,394,897Net Assets 2010: $19,553,2112010Assets 2011: $61,228,755Liabilities 2011: $41,749,755Net Assets 2011: $19,479,0002011Assets 2012: $54,313,472Liabilities 2012: $32,866,652Net Assets 2012: $21,446,8202012Assets 2013: $54,022,599Liabilities 2013: $30,891,715Net Assets 2013: $23,130,8842013Assets 2014: $53,610,030Liabilities 2014: $27,635,733Net Assets 2014: $25,974,2972014Assets 2015: $50,692,107Liabilities 2015: $23,879,031Net Assets 2015: $26,813,0762015Assets 2016: $51,762,525Liabilities 2016: $24,405,128Net Assets 2016: $27,357,3972016Assets 2017: $55,347,490Liabilities 2017: $26,568,400Net Assets 2017: $28,779,0902017Assets 2018: $53,018,839Liabilities 2018: $25,655,020Net Assets 2018: $27,363,8192018Assets 2019: $53,248,572Liabilities 2019: $25,321,333Net Assets 2019: $27,927,2392019Assets 2020: $62,132,336Liabilities 2020: $29,423,873Net Assets 2020: $32,708,4632020Assets 2021: $64,402,300Liabilities 2021: $23,174,465Net Assets 2021: $41,227,8352021Assets 2022: $58,285,070Liabilities 2022: $20,259,921Net Assets 2022: $38,025,1492022Assets 2023: $68,941,571Liabilities 2023: $21,454,999Net Assets 2023: $47,486,5722023Assets 2024: $69,133,447Liabilities 2024: $19,879,892Net Assets 2024: $49,253,5552024

Highlighted filing

2016

Assets$51,762,525
Liabilities$24,405,128
Net Assets$27,357,397

Operations Trend

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

$60M$40M$20M$0-$20MExpenses 2010: $43,873,5502010Expenses 2011: $43,009,7112011Expenses 2012: $40,824,7282012Revenue 2013: $41,133,180Expenses 2013: $40,284,727Net Income 2013: $848,4532013Revenue 2014: $39,528,682Expenses 2014: $38,822,869Net Income 2014: $705,8132014Revenue 2015: $37,613,295Expenses 2015: $37,162,247Net Income 2015: $451,0482015Revenue 2016: $36,885,317Expenses 2016: $36,529,605Net Income 2016: $355,7122016Revenue 2017: $38,125,402Expenses 2017: $38,493,776Net Income 2017: -$368,3742017Revenue 2018: $38,145,658Expenses 2018: $41,216,783Net Income 2018: -$3,071,1252018Revenue 2019: $40,314,660Expenses 2019: $40,938,908Net Income 2019: -$624,2482019Revenue 2020: $44,875,928Expenses 2020: $40,939,709Net Income 2020: $3,936,2192020Revenue 2021: $48,847,735Expenses 2021: $40,056,549Net Income 2021: $8,791,1862021Revenue 2022: $41,665,634Expenses 2022: $43,449,321Net Income 2022: -$1,783,6872022Revenue 2023: $53,664,571Expenses 2023: $46,033,230Net Income 2023: $7,631,3412023Revenue 2024: $46,929,170Expenses 2024: $45,085,156Net Income 2024: $1,844,0142024

Highlighted filing

2016

Revenue$36,885,317
Expenses$36,529,605
Net Income$355,712
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 1, 2017
Return Version
2016v3.0
Gross Receipts
$38,783,764
Mission and Program Overview

Mission

Empowering people to lead financially healthy lives by providing financial wellness and educational services across the usa, reaching 205,000+ households; partnering with 500+ institutions and 1,200+ community organizations.

Empowering people to lead financially healthy lives.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$31,762,242$30,434,758▼ $1,327,484
Investments in Publicly Traded Securities$7,340,437$7,266,907▼ $73,530
Accounts Receivable$3,280,490$2,451,832▼ $828,658
Cash and Non-Interest-Bearing Accounts$547,792$2,229,568▲ $1,681,776
Prepaid Expenses and Deferred Charges$611,806$644,058▲ $32,252
Intangible Assets$249,750$105,083▼ $144,667
Total Assets$50,692,107$51,762,525▲ $1,070,418
Other Assets Total$6,899,590$8,630,319▲ $1,730,729
Liabilities
Tax Exempt Bond Liabilities$14,489,481$13,209,275▼ $1,280,206
Other Liabilities$6,934,829$8,676,566▲ $1,741,737
Accounts Payable and Accrued Expenses$2,454,721$2,519,287▲ $64,566
Total Liabilities$23,879,031$24,405,128▲ $526,097
Net Assets / Fund Balance
Unrestricted Net Assets$26,760,576$27,357,397▲ $596,821
Temporarily Rstr Net Assets$52,500$0▼ $52,500
Total Net Assets Fund Balance$26,813,076$27,357,397▲ $544,321
Total Liabilities and Net Assets / Fund Balance$50,692,107$51,762,525▲ $1,070,418

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$20,480,609$3,014,211$23,494,820
Other Land Buildings$5,718,992$5,434,421$11,153,413
Equipment$508,753$5,670,102$6,178,855
Land$3,700,000-$3,700,000
Leasehold Improvements$26,404$6,832$33,236
Other Assets Org$8,630,319--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jane E McnamaraFormer President & CEO-$377,163$377,163$377,163
Donna McneillCOOFT$244,095$76,853$320,948
Kristen HoltPresident and CEOFT$204,547$57,903$262,450
Eric Lipsitt FormerGeneral CounselFT$109,829$128,023$237,852
Russell Halsey FormerDirector of OperationsFT$123,411$105,528$228,939
Richard BialobrzeskiExecutive VP of StrategyFT$171,283$43,540$214,823
Danielle CraneChief Admin. OfficerFT$173,700$29,764$203,464
Richard T HollisCFOFT$166,340$13,771$180,111
Mark MunzenbergerSenior Relationship ManagerFT$137,431$31,354$168,785
Sudhamohan SomsagarSr. Systems Program AnalystFT$125,119$17,415$142,534
David FloresDirector of OperationsFT$126,864$13,680$140,544
Nicole Marie BladzikDirector of Information Tech.FT$120,601$16,962$137,563
Mark PetersonControllerFT$119,293$3,598$122,891
Rebecca MorelliAsst. SecretaryFT$60,628$17,431$78,059

Board Members and Trustees

Highest Paid Contractors

ContractorServicesLocationCompensation
Ypm INCMarketing18400 VON KARMAN AVE SUITE 200, Irvine, CA 92612$480,449
Creative Dining ServicesFood Services1 ROYAL PARK DRIVE STE 3, Zealand, MI 49464$164,613
Sommers Schwartz PCLegalONE TOWNE SQUARE 17TH FLOOR, Southfield, MI 48076$135,723
Doeren Mayhew & Co PCAccounting305 WEST BIG BEAVER RD, Troy, MI 48084$108,529
AdpPayroll ServicePO BOX 842875, Boston, MA 02284$106,409
Revenue and Support

Revenue Composition

Contributions and Grants
$8,889,255
Program Service Revenue
$27,889,763
Investment Income
$97,256
Other Revenue
$9,043
All Other Contributions
$4,598,367
Change in Net Assets
$355,712

Audited Revenue Reconciliation

Revenue per Audited Statements
$36,885,317
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$188,609
Total Revenue per Audited Statements
$37,073,926
Total Revenue per Form 990
$36,885,317
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$26,826,851
Other Expenses$9,702,754
Total Fundraising Expense$1,051,247
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$18,700,631$1,360,912$572,085$20,633,628
Other Employee Benefits$2,093,667$417,563$44,817$2,556,047
Office Expenses$1,956,675$56,290$11,347$2,024,312
Payroll Taxes$1,560,659$138,330$57,402$1,756,391
Current Officers, Directors, Trustees, and Key Employees$549,887$961,936$214,823$1,726,646
Depreciation Depletion$1,445,241$18,760$9$1,464,010
Occupancy$1,349,714--$1,349,714
Travel$537,173$138,173$27,759$703,105
Advertising$561,627$5,890$73,235$640,752
Fees for Services Other$292,879$185,760-$478,639
All Other Expenses$295,427$87,098$32,508$415,033
Interest$238,290--$238,290
Insurance$62,318$155,355-$217,673
Other Expenses$181,455$4,516$13,795$181,455
Pension Plan Contributions$147,266$3,406$3,467$154,139
Fees for Services Accounting-$101,094-$101,094
Fees for Services Legal$49,623$36,675-$86,298
Fees for Services Lobbying$60,000--$60,000
Total Functional Expenses$31,806,600$3,671,758$1,051,247$36,529,605

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$36,529,605
Total Expenses per Audited Statements$36,529,605
Total Expenses per Form 990$36,529,605
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Client Deposits$8,630,319
Interest Rate Swap Agreement$46,247

Bond Issues

BondIssuerIssuedIssue PricePurpose
AMichigan Strategic Fund2011-02-01$19,000,000Construction of new headquarters
BMichigan Strategic Fund2011-09-29$3,000,000Furniture, fixtures, equipment for new headquarters

Bond Proceeds

BondTotal ProceedsSpentRetiredIssuance Costs
A$19,000,000-$644,130$236,806
B$3,000,000-$549,481$22,500

Bond Financing Compliance

No rebate due
Yes
Rebate not yet due
No
Form 8038-T filed
No
Gross proceeds invested
No
Gross proceeds invested in GIC
No
Exception to rebate
No
Corrective action procedures
Yes
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Other officer compensation reviewed
Yes
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

Management e-mails a draft copy to all board of trustee members, and feedback is sought from the board of trustee members prior to filing the 990 return.

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

Greenpath requires officers, directors and key employees to complete a conflict of interest disclosure form annually. This form asks for any material interests or affiliation which are, or are likely to become, conflicts of interest. Potential conflict circumstances which arise during the course of the year are required to be reported to the board of trustees. Board members must excuse themselves from discussion about or voting on any transactions in which they may have a conflict of interest.

Form 990, Part VI, Section B, Line 15

The board relies on an independent, third party compensation consultant to collect comparability data, assess market trends and make recommendations on the ceo's compensation package. The sample of comparable organizations is composed of organizations from which greenpath might recruit a future ceo or which might have an interest in trying to recruit greenpath's ceo and which additionally are located in labor markets where greenpath has a significant presence. Specific degree of comparability is based on a.) gross receipts, b.) total assets.

Form 990, Part VI, Section C, Line 19

Greenpath's 990 is available at www.guidestar.org or upon request. The annual report, governing documents, conflict of interest policy and financial statements are also available upon request.

Filing and Contact Details

Filer

Filer Name
Greenpath Inc
EIN
38-6142925
Phone
2485535400
Address
36500 CORPORATE DRIVE, FARMINGTON HILLS, MI 48331

Signing Officer

Name
Kristen Holt
Title
President & CEO
Phone
2485535400
Signed
2017-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kristen Holt
Formed
1967
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
558
Volunteers
0

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Joseph a Zito CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

PAGE 12, PART XII, LINE 2C:

The process has not changed from the prior year.

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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/Desc0CONSUMER CREDIT COUNSELING, EDUCATION, AND FINANCIAL WELLNESS PROGRAMS: GREENPATH DELIVERS COMPREHENSIVE PROGRAMS AND EDUCATIONAL SERVICES TO MEET THE TAILORED NEEDS OF CONSUMERS TO LIVE FINANCIALLY HEALTHY LIVES, PREPARE FOR LIFE EVENTS, AND PLAN TO SUCCEED IN REACHING THEIR GOALS. THROUGH ONE-ON-ONE COUNSELING AND ADVOCACY SERVICES GREENPATH PROVIDES A WIDE RANGE OF MONEY MANAGEMENT SERVICES INCLUDING DEBT MANAGEMENT PROGRAMS, BUDGETING, PAY CHECK PLANNING, STUDENT LOAN COUNSELING, HOME BUYER EDUCATION, MORTGAGE FORECLOSURE PREVENTION (MODIFICATIONS, SHORT SALE, GENERAL COUNSELING, AND REVERSE MORTGAGE), AND BANKRUPTCY EDUCATION.
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd10X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt720076
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt814511
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt99709
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1017431
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt117675
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1211696
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1312360
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1413725
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1517415
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1615360
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt173598
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1813680
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1916962
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt200
IRS990/Form990PartVIISectionAGrp/PersonNm0CAREY PACHLA
IRS990/Form990PartVIISectionAGrp/PersonNm1WILLIAM RICHARDS
IRS990/Form990PartVIISectionAGrp/PersonNm2JANE SYDLOWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm3MICHAEL POULOS
IRS990/Form990PartVIISectionAGrp/PersonNm4DONNA VENTIMIGLIA
IRS990/Form990PartVIISectionAGrp/PersonNm5JOHN FRITH
IRS990/Form990PartVIISectionAGrp/PersonNm6ANTHONY ZAMBELLI
IRS990/Form990PartVIISectionAGrp/PersonNm7DONNA MCNEILL
IRS990/Form990PartVIISectionAGrp/PersonNm8RICHARD BIALOBRZESKI
IRS990/Form990PartVIISectionAGrp/PersonNm9KRISTEN HOLT
IRS990/Form990PartVIISectionAGrp/PersonNm10REBECCA MORELLI
IRS990/Form990PartVIISectionAGrp/PersonNm11DANIELLE CRANE
IRS990/Form990PartVIISectionAGrp/PersonNm12ERIC LIPSITT FORMER
IRS990/Form990PartVIISectionAGrp/PersonNm13RICHARD T HOLLIS
IRS990/Form990PartVIISectionAGrp/PersonNm14RUSSELL HALSEY FORMER
IRS990/Form990PartVIISectionAGrp/PersonNm15SUDHAMOHAN SOMSAGAR
IRS990/Form990PartVIISectionAGrp/PersonNm16MARK MUNZENBERGER
IRS990/Form990PartVIISectionAGrp/PersonNm17MARK PETERSON
IRS990/Form990PartVIISectionAGrp/PersonNm18DAVID FLORES
IRS990/Form990PartVIISectionAGrp/PersonNm19NICOLE MARIE BLADZIK
IRS990/Form990PartVIISectionAGrp/PersonNm20JANE E MCNAMARA
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7300872
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8200312
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9252741
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1060628
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11195789
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12226156
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13167751
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14215214
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15125119
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16153425
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17119293
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18126864
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19120601
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20377163
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt6TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7COO
IRS990/Form990PartVIISectionAGrp/TitleTxt8EXECUTIVE VP OF STRATEGY
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10ASST. SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF ADMIN. OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12GENERAL COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt13CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt15SR. SYSTEMS PROGRAM ANALYST
IRS990/Form990PartVIISectionAGrp/TitleTxt16SENIOR RELATIONSHIP MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt17CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR OF INFORMATION TECH.
IRS990/Form990PartVIISectionAGrp/TitleTxt20FORMER PRESIDENT & CEO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01967
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt020401
IRS990/GainOrLossGrp/SecuritiesAmt0-126635
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GovernmentGrantsAmt04290888
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0212116
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01579915
IRS990/GrossReceiptsAmt038783764
IRS990/GrossRentsGrp/RealAmt09225
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt015
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt0155355
IRS990/InsuranceGrp/ProgramServicesAmt062318
IRS990/InsuranceGrp/TotalAmt0217673
IRS990/IntangibleAssetsGrp/BOYAmt0249750
IRS990/IntangibleAssetsGrp/EOYAmt0105083
IRS990/InterestGrp/ProgramServicesAmt0238290
IRS990/InterestGrp/TotalAmt0238290
IRS990/InvestmentIncomeGrp/ExclusionAmt0203490
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0203490
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt07340437
IRS990/InvestmentsPubTradedSecGrp/EOYAmt07266907
IRS990/InvestTaxExemptBondsInd00
IRS990/IRPDocumentCnt058
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt014125566
IRS990/LandBldgEquipBasisNetGrp/BOYAmt031762242
IRS990/LandBldgEquipBasisNetGrp/EOYAmt030434758
IRS990/LandBldgEquipCostOrOtherBssAmt044560324
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0191715
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01706550
IRS990/LessRentalExpensesGrp/RealAmt0182
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0EMPOWERING PEOPLE TO LEAD FINANCIALLY HEALTHY LIVES BY PROVIDING FINANCIAL WELLNESS AND EDUCATIONAL SERVICES ACROSS THE USA, REACHING 161,000+ HOUSEHOLDS; PARTNERING WITH 400+ INSTITUTIONS AND 700+ COMMUNITY ORGANIZATIONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt026813076
IRS990/NetAssetsOrFundBalancesEOYAmt027357397
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-106234
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-106234
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt09043
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt09043
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0188609
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt01349714
IRS990/OccupancyGrp/TotalAmt01349714
IRS990/OfficeExpensesGrp/FundraisingAmt011347
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt056290
IRS990/OfficeExpensesGrp/ProgramServicesAmt01956675
IRS990/OfficeExpensesGrp/TotalAmt02024312
IRS990/OfficerMailingAddressInd00
IRS990/OnBehalfOfIssuerInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06899590
IRS990/OtherAssetsTotalGrp/EOYAmt08630319
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt044817
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0417563
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt02093667
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02556047
IRS990/OtherExpensesGrp/Desc0EQUIPMENT
IRS990/OtherExpensesGrp/Desc1OCCUPANCY - DEPRECIATIO
IRS990/OtherExpensesGrp/Desc2NFCC DUES AND RELATED E
IRS990/OtherExpensesGrp/Desc3REGULATORY FEES
IRS990/OtherExpensesGrp/FundraisingAmt013795
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt04516
IRS990/OtherExpensesGrp/ProgramServicesAmt0782608
IRS990/OtherExpensesGrp/ProgramServicesAmt1690959
IRS990/OtherExpensesGrp/ProgramServicesAmt2250501
IRS990/OtherExpensesGrp/ProgramServicesAmt3181455
IRS990/OtherExpensesGrp/TotalAmt0800919
IRS990/OtherExpensesGrp/TotalAmt1690959
IRS990/OtherExpensesGrp/TotalAmt2250501
IRS990/OtherExpensesGrp/TotalAmt3181455
IRS990/OtherLiabilitiesGrp/BOYAmt06934829
IRS990/OtherLiabilitiesGrp/EOYAmt08676566
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt0572085
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt01360912
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt018700631
IRS990/OtherSalariesAndWagesGrp/TotalAmt020633628
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt057402
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0138330
IRS990/PayrollTaxesGrp/ProgramServicesAmt01560659
IRS990/PayrollTaxesGrp/TotalAmt01756391
IRS990/PensionPlanContributionsGrp/FundraisingAmt03467
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt03406
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0147266
IRS990/PensionPlanContributionsGrp/TotalAmt0154139
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0611806
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0644058

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$69.1$19.9$49.3$46.9$45.1$1.84
2023Detailed filing. Detailed filing data is available for this year.$68.9$21.5$47.5$53.7$46.0$7.63
2022Detailed filing. Detailed filing data is available for this year.$58.3$20.3$38.0$41.7$43.4$1.78
2021Detailed filing. Detailed filing data is available for this year.$64.4$23.2$41.2$48.8$40.1$8.79
2020Detailed filing. Detailed filing data is available for this year.$62.1$29.4$32.7$44.9$40.9$3.94
2019Detailed filing. Detailed filing data is available for this year.$53.2$25.3$27.9$40.3$40.9$0.62
2018Detailed filing. Detailed filing data is available for this year.$53.0$25.7$27.4$38.1$41.2$3.07
2017Detailed filing. Detailed filing data is available for this year.$55.3$26.6$28.8$38.1$38.5$0.37
2016Detailed filing. Detailed filing data is available for this year.$51.8$24.4$27.4$36.9$36.5$0.36
2015Detailed filing. Detailed filing data is available for this year.$50.7$23.9$26.8$37.6$37.2$0.45
2014Detailed filing. Detailed filing data is available for this year.$53.6$27.6$26.0$39.5$38.8$0.71
2013Detailed filing. Detailed filing data is available for this year.$54.0$30.9$23.1$41.1$40.3$0.85
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$54.3$32.9$21.4$40.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.2$41.7$19.5$43.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.9$19.4$19.6$43.9