Liabilities / Assets
95th percentile
Higher debt load relative to assets than 95% of similar nonprofits.
Center for Financial Training Upper Midwest Inc
990 • Fiscal year 2012 • EIN 41-1423932
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
1.38x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
53rd percentile
Faster asset growth than 53% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Up$25,218
Up $694 (+2.8%) from 2011
Net Assets
Up-$9,675
Up $2,070 (+18%) from 2011
Liabilities
Down$34,893
Down $1,376 (-3.8%) from 2011
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$206,427
Down $36,004 (-15%) from 2011
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2012 to Dec 31, 2012
- Signed
- May 14, 2013
- Return Version
- 2012v2.2
- Gross Receipts
- $208,323
Mission and Program Overview
Major Activities
- Activity 2
- Attend conventions to remain current on issues pertaining to the banking and finance business
Filing and Contact Details
Filer
- EIN
- 41-1423932
Raw XML AppendixShowing 400 of 444 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/Activity2/Expense | 0 | 1181 |
| IRS990/ActivityOrMissionDescription | 0 | FINANCIAL TRAINING FOR BANKS AND CREDIT UNIONS. TRAINING CONSISTS OF LIVE AND WEBINAR INSTRUCTOR LED COURSES AS WELL SELF STUDY BASED COURSES. |
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| IRS990/Form990PartVIISectionA/Officer | 2 | X |
| IRS990/Form990PartVIISectionA/Officer | 3 | X |
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| IRS990/GrantsToOrganizations | 0 | false |
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| IRS990/Insurance/Total | 0 | 355 |
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| IRS990/LocalChapters | 0 | false |
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| IRS990/MissionDescription | 0 | TO PROVIDE FINANCIAL TRAINING FOR BANK AND CREDIT UNION EMPLOYEES AND DIRECTORS. |
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| IRS990/NameOfPrincipalOfficerPerson | 0 | SHANNON DUFFY PETERSON |
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| IRS990/OtherExpenses/Description | 0 | ON-LINE CLASS EXPENSE |
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| IRS990/OtherExpenses/Description | 3 | DUES AND SUBSCRIPTIONS |
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| IRS990ScheduleD/OtherLiabilities/Description | 1 | PAYROLL TAXES |
| IRS990ScheduleD/OtherLiabilities/Description | 2 | SALES TAX |
| IRS990ScheduleD/OtherLiabilities/Description | 3 | EMPLOYEE BENEFITS |
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| IRS990ScheduleD/OtherSecurities/Description | 1 | Closely-held equity interests |
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| IRS990ScheduleL/LoanTable/PurposeOfLoan | 0 | TO MAINTAIN CASH FLOW |
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| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | The 990 form both prior to filing and after filing is provided to the board for their review as it is used for deciding increases in member cost. All organization governing documents conflict of interest policy, 990 and financial statements are available upon request and the 990 is available online from Guidestar. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | 6 CFT has paid membership/members all related to the financial industry. The membership is an annual payment to attend classes and seminars at a reduced rate. 8a All board minutes are taken by the board secretary and distributed after the meeting, the board approves the minutes at the following meeting. A copy of these minutes are kept with each board member and with CFT office. We have no committees as our board is small and all is handled by everyone. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | 11 The 990 form is presented to the board after it is completed. 12 a-c CFT has a Conflict of Interest policy and it is signed by all board members and staff. It is reviewed annually and it is asked annually at the board meeting if anyone is aware of a conflict at that time. The compliance is monitored by the Executive Director. A few of the board members are also instructors and when instructor pay increases/decreases are discussed annually all instructor/board members are asked to step out of the meeting. This is documented in our meeting minutes. 15 a b Compensation for both instructors and staff are discussed and a comparability study is done annually on both and used for compensation increases. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | The compensation paid to board members other than staffed executive director is from instructor pay and is paid and reported on a 1099 MISC. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | This represents the expense of instructors for the classes provided and includes their fee for service of 13,351and expenses of lodging and mileage of 8,608.56 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | Form 990 Part IV |
| IRS990ScheduleO/GeneralExplanation/Identifier | 1 | Form 990 Part VI |
| IRS990ScheduleO/GeneralExplanation/Identifier | 2 | Form 990 Part VI |
| IRS990ScheduleO/GeneralExplanation/Identifier | 3 | Form 990 Part VII |
| IRS990ScheduleO/GeneralExplanation/Identifier | 4 | Form 990 Part IX |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | 38 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | A VARIOUS |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | B VARIOUS |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | 1b |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | 11g |
| IRS990/ScheduleORequired | 0 | true |
| IRS990/School | 0 | false |
| IRS990/SignificantChange | 0 | false |
| IRS990/SignificantNewProgramServices | 0 | false |
| IRS990/StateLegalDomicile | 0 | MN |
| IRS990/TaxablePartyNotification | 0 | false |
| IRS990/TaxExemptBonds | 0 | false |
| IRS990/Terminated | 0 | false |
| IRS990/TermOrPermanentEndowments | 0 | false |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 21494 SHERWOOD AVE |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | SLEEPY EYE |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | MN |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 560853004 |
| IRS990/TheBooksAreInCareOf/NamePerson | 0 | SHANNON DUFFY PETERSON |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 5072492045 |
| IRS990/TotalAssets/BOY | 0 | 24716 |
| IRS990/TotalAssetsBOY | 0 | 24716 |
| IRS990/TotalAssets/EOY | 0 | 25218 |
| IRS990/TotalAssetsEOY | 0 | 25218 |
| IRS990/TotalCompGT150K | 0 | false |
| IRS990/TotalContributions | 0 | 41205 |
| IRS990/TotalExpensesCurrentYear | 0 | 206427 |
| IRS990/TotalExpensesPriorYear | 0 | 242431 |
| IRS990/TotalFunctionalExpenses/Fundraising | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ManagementAndGeneral | 0 | 23694 |
| IRS990/TotalFunctionalExpenses/ProgramServices | 0 | 182733 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 206427 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 0 |
| IRS990/TotalLiabilities/BOY | 0 | 36287 |
| IRS990/TotalLiabilitiesBOY | 0 | 36287 |
| IRS990/TotalLiabilities/EOY | 0 | 34893 |
| IRS990/TotalLiabilitiesEOY | 0 | 34893 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 24716 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 25218 |
| IRS990/TotalNbrEmployees | 0 | 4 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | -11571 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | -9675 |
| IRS990/TotalOtherCompensation | 0 | 980 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $25,218
- Liabilities
- $34,893
- Net assets
- -$9,675
- Revenue
- -
- Expenses
- $206,427
- Net income
- -