Civic Intelligence

Personal Money Management

EIN 41-1841565 • 501(c)3 • Crookston, MN

Profile

Financial counseling and education

PO Box 25Crookston, MN 56716

n/A

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

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

Source year 2024

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2024

Net Margin

43rd percentile

-0.7%

Higher net margin than 43% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

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

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

42nd percentile

-7.9%

Faster asset growth than 42% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

60th percentile

6.1%

Faster revenue growth than 60% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$14,442

Down $1,236 (-7.9%) from 2023

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Down

$14,442

Down $1,236 (-7.9%) from 2023

Operations
Liabilities / RevenueScore unavailableNet Margin43rd percentile

Revenue

Up

$175,438

Up $10,112 (+6.1%) from 2023

Expenses

Up

$176,674

Up $7,578 (+4.5%) from 2023

Net Income

Up

-$1,236

Up $2,534 (+67%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth42nd percentile

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

$40K$30K$20K$10K$0Assets 2011: $26,441Liabilities 2011: $02011Assets 2012: $25,932Liabilities 2012: $0Net Assets 2012: $25,9322012Assets 2013: $19,181Liabilities 2013: $0Net Assets 2013: $19,1812013Assets 2014: $27,873Liabilities 2014: $0Net Assets 2014: $27,8732014Assets 2015: $21,864Liabilities 2015: $0Net Assets 2015: $21,8642015Assets 2016: $29,350Liabilities 2016: $0Net Assets 2016: $29,3502016Assets 2017: $30,757Liabilities 2017: $0Net Assets 2017: $30,7572017Assets 2018: $19,817Liabilities 2018: $0Net Assets 2018: $19,8172018Assets 2019: $27,144Liabilities 2019: $0Net Assets 2019: $27,1442019Assets 2020: $22,096Liabilities 2020: $0Net Assets 2020: $22,0962020Assets 2021: $20,343Liabilities 2021: $0Net Assets 2021: $20,3432021Assets 2022: $19,448Liabilities 2022: $0Net Assets 2022: $19,4482022Assets 2023: $15,678Net Assets 2023: $15,6782023Assets 2024: $14,442Net Assets 2024: $14,4422024

Highlighted filing

2024

Assets$14,442
Liabilities-
Net Assets$14,442
Open 2024 Filing

Operations Trend

Revenue Growth60th percentile

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

$200K$150K$100K$50K$0-$50KRevenue 2011: $105,799Expenses 2011: $102,349Net Income 2011: $3,4502011Revenue 2012: $113,046Expenses 2012: $113,555Net Income 2012: -$5092012Revenue 2013: $102,634Expenses 2013: $109,385Net Income 2013: -$6,7512013Revenue 2014: $130,560Expenses 2014: $121,868Net Income 2014: $8,6922014Revenue 2015: $126,572Expenses 2015: $132,581Net Income 2015: -$6,0092015Revenue 2016: $121,179Expenses 2016: $113,693Net Income 2016: $7,4862016Revenue 2017: $121,031Expenses 2017: $119,624Net Income 2017: $1,4072017Revenue 2018: $116,424Expenses 2018: $127,364Net Income 2018: -$10,9402018Revenue 2019: $129,686Expenses 2019: $122,359Net Income 2019: $7,3272019Revenue 2020: $131,292Expenses 2020: $136,340Net Income 2020: -$5,0482020Revenue 2021: $139,315Expenses 2021: $141,068Net Income 2021: -$1,7532021Revenue 2022: $153,384Expenses 2022: $154,279Net Income 2022: -$8952022Revenue 2023: $165,326Expenses 2023: $169,096Net Income 2023: -$3,7702023Revenue 2024: $175,438Expenses 2024: $176,674Net Income 2024: -$1,2362024

Highlighted filing

2024

Revenue$175,438
Expenses$176,674
Net Income-$1,236
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$14,442
Liabilities
-
Net assets
$14,442
Revenue
$175,438
Expenses
$176,674
Net income
-$1,236
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.14$0.14$1.75$1.77$0.01
2023Detailed filing. Detailed filing data is available for this year.$0.16$0.16$1.65$1.69$0.04
2022Detailed filing. Detailed filing data is available for this year.$0.19$0.00$0.19$1.53$1.54$0.01
2021Detailed filing. Detailed filing data is available for this year.$0.20$0.00$0.20$1.39$1.41$0.02
2020Detailed filing. Detailed filing data is available for this year.$0.22$0.00$0.22$1.31$1.36$0.05
2019Detailed filing. Detailed filing data is available for this year.$0.27$0.00$0.27$1.30$1.22$0.07
2018Detailed filing. Detailed filing data is available for this year.$0.20$0.00$0.20$1.16$1.27$0.11
2017Detailed filing. Detailed filing data is available for this year.$0.31$0.00$0.31$1.21$1.20$0.01
2016Detailed filing. Detailed filing data is available for this year.$0.29$0.00$0.29$1.21$1.14$0.07
2015Detailed filing. Detailed filing data is available for this year.$0.22$0.00$0.22$1.27$1.33$0.06
2014Detailed filing. Detailed filing data is available for this year.$0.28$0.00$0.28$1.31$1.22$0.09
2013Detailed filing. Detailed filing data is available for this year.$0.19$0.00$0.19$1.03$1.09$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.26$0.00$0.26$1.13$1.14$0.01
2011Summary only. Only limited summary data is available for this year.$0.26$0.00$1.06$1.02$0.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 16, 2025
Return Version
2024v5.0
Gross Receipts
$175,438
Mission and Program Overview

Mission

Financial counseling and education

Program Services

DescriptionGrantsExpenses
SERVED APPROXIMATELY 250 CLIENTS. REPRESENTATIVE PAYEE FOR MENTALLY ILL AND ELDERLY. ALSO, DEBT MANAGEMENT TO INCLUDE CREDIT CARD DEBT, MEDICAL BILLS AND COLLECTIONS.-$176,674
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JENNIFER PETERSON-ROSSPresident-$0--
KATHY ERDMANNVice-Preside-$0--
TINA CAMERONSecretary/Tr-$0--
Filing and Contact Details

Filer

Filer Name
Personal Money Management
EIN
41-1841565
Phone
2182813656
Address
PO BOX 25, CROOKSTON, MN 56716

Signing Officer

Name
Jennifer Peterson-ross
Title
President
Phone
2182813656
Signed
2025-09-16
Discuss with paid preparer
Yes

Preparer

Firm
Farmchek Services Inc
Address
PO BOX 358, BAGLEY, MN 56621
Preparer
Janelle M Nybo CPA
Phone
2186946568
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses bank charges 375 client reimbursed expense 2,400 miscellaneous 1,015 total 3,790”

Raw XML Appendix144 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
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0JENNIFER PETERSON-ROSS
IRS990EZ/BooksInCareOfDetail/PhoneNum02182813656
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 25
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine2Txt0POSTAL BUILDING SOUTH BROADWAY
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0CROOKSTON
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd056716
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt015678
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt014442
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/CntrctRcvdGreaterThan100KCnt01
IRS990EZ/CompensationOfHghstPdCntrctGrp/BusinessName/BusinessNameLine1Txt0NORTHERN DATA PRO
IRS990EZ/CompensationOfHghstPdCntrctGrp/CompensationAmt0163540
IRS990EZ/CompensationOfHghstPdCntrctGrp/ServiceTypeTxt03RD PARTY ADMIN
IRS990EZ/CompensationOfHghstPdCntrctGrp/USAddress/AddressLine1Txt0PO BOX 25
IRS990EZ/CompensationOfHghstPdCntrctGrp/USAddress/CityNm0CROOKSTON
IRS990EZ/CompensationOfHghstPdCntrctGrp/USAddress/StateAbbreviationCd0MN
IRS990EZ/CompensationOfHghstPdCntrctGrp/USAddress/ZIPCd056716
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-1236
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0166240
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt015678
IRS990EZ/Form990TotalAssetsGrp/EOYAmt014442
IRS990EZ/GrossReceiptsAmt0175438
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt0206
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt015678
IRS990EZ/NetAssetsOrFundBalancesEOYAmt014442
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt015678
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt014442
IRS990EZ/OccupancyRentUtltsAndMaintAmt06644
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JENNIFER PETERSON-ROSS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1KATHY ERDMANN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2TINA CAMERON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE-PRESIDE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY/TR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt03790
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0FINANCIAL COUNSELING AND EDUCATION
IRS990EZ/ProgramServiceRevenueAmt0175232
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0SERVED APPROXIMATELY 250 CLIENTS. REPRESENTATIVE PAYEE FOR MENTALLY ILL AND ELDERLY. ALSO, DEBT MANAGEMENT TO INCLUDE CREDIT CARD DEBT, MEDICAL BILLS AND COLLECTIONS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0176674
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0176674
IRS990EZ/TotalProgramServiceExpensesAmt0176674
IRS990EZ/TotalRevenueAmt0175438
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt0206
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt012
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt03
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt015
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt02
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt0238
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0175438
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0165326
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0153371
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0139300
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0131290
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0764725
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt0206
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt012
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt03
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt015
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt02
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt0238
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.99970
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0764725
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0175438
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0165326
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0153371
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0139300
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0131290
IRS990ScheduleA/Total509Grp/TotalAmt0764725
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0175644
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0165338
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0153374
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0139315
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0131292
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0764963
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES BANK CHARGES 375 CLIENT REIMBURSED EXPENSE 2,400 MISCELLANEOUS 1,015 TOTAL 3,790
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JENNIFER PETERSON-ROSS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02182813656
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PERSONAL MONEY MANAGEMENT
ReturnHeader/Filer/BusinessNameControlTxt0PERS
ReturnHeader/Filer/EIN0411841565
ReturnHeader/Filer/PhoneNum02182813656
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 25
ReturnHeader/Filer/USAddress/CityNm0CROOKSTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd056716
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0411386950
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FARMCHEK SERVICES INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 358
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BAGLEY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd056621
ReturnHeader/PreparerPersonGrp/PhoneNum02186946568
ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JANELLE M NYBO CPA
ReturnHeader/ReturnTs02025-11-04T16:40:19-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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