Civic Intelligence

Students Educational & Loan Foundat

990EZ • Fiscal year 2012 • EIN 43-6052502

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 30, 2013

Organization Profile
Box 188465402-1884
Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

59th percentile

6.2%

Higher net margin than 59% of similar nonprofits.

2012 filings • 501(c)7 • <$500k nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

48th percentile

1.1%

Faster asset growth than 48% of similar nonprofits.

2012 filings • 501(c)7 • <$500k nonprofits • Annualized from 2011 to 2012

Revenue Growth

59th percentile

6.0%

Faster revenue growth than 59% of similar nonprofits.

2012 filings • 501(c)7 • <$500k nonprofits • Annualized from 2011 to 2012

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Up

$435,776

Up $4,897 (+1.1%) from 2011

Net Assets

$435,776

No earlier filing loaded for comparison.

Liabilities

-

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet Margin59th percentile

Revenue

Up

$78,744

Up $4,426 (+6.0%) from 2011

Expenses

Down

$73,845

Down $45 (-0.1%) from 2011

Net Income

Up

$4,899

Up $4,471 (+1045%) from 2011

Historical Trend

Balance Sheet Trend

Asset Growth48th percentile

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

$6.0M$4.0M$2.0M$0Assets 2011: $430,879Liabilities 2011: $02011Assets 2012: $435,776Net Assets 2012: $435,7762012Assets 2013: $457,352Net Assets 2013: $457,3522013Assets 2014: $4,907,809Liabilities 2014: $3,798,229Net Assets 2014: $1,109,5802014Assets 2015: $5,182,246Liabilities 2015: $3,464,445Net Assets 2015: $1,717,8012015Assets 2016: $5,044,740Liabilities 2016: $3,408,897Net Assets 2016: $1,635,8432016Assets 2017: $4,821,215Liabilities 2017: $3,229,802Net Assets 2017: $1,591,4132017Assets 2018: $4,664,486Liabilities 2018: $3,067,214Net Assets 2018: $1,597,2722018Assets 2019: $4,513,087Liabilities 2019: $2,924,320Net Assets 2019: $1,588,7672019Assets 2020: $4,309,761Liabilities 2020: $2,787,283Net Assets 2020: $1,522,4782020Assets 2021: $4,120,641Liabilities 2021: $2,659,128Net Assets 2021: $1,461,5132021Assets 2022: $3,981,142Liabilities 2022: $2,512,502Net Assets 2022: $1,468,6402022Assets 2023: $3,857,288Liabilities 2023: $2,367,017Net Assets 2023: $1,490,2712023Assets 2024: $3,798,109Liabilities 2024: $2,260,447Net Assets 2024: $1,537,6622024

Highlighted filing

2012

Assets$435,776
Liabilities-
Net Assets$435,776
Open 2012 Filing

Operations Trend

Revenue Growth59th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $74,318Expenses 2011: $73,890Net Income 2011: $4282011Revenue 2012: $78,744Expenses 2012: $73,845Net Income 2012: $4,8992012Revenue 2013: $70,726Expenses 2013: $49,150Net Income 2013: $21,5762013Revenue 2014: $777,984Expenses 2014: $125,756Net Income 2014: $652,2282014Revenue 2015: $1,001,846Expenses 2015: $393,625Net Income 2015: $608,2212015Revenue 2016: $322,259Expenses 2016: $404,217Net Income 2016: -$81,9582016Revenue 2017: $340,162Expenses 2017: $384,592Net Income 2017: -$44,4302017Revenue 2018: $385,297Expenses 2018: $379,438Net Income 2018: $5,8592018Revenue 2019: $311,598Expenses 2019: $332,291Net Income 2019: -$20,6932019Revenue 2020: $265,783Expenses 2020: $321,160Net Income 2020: -$55,3772020Revenue 2021: $283,746Expenses 2021: $344,711Net Income 2021: -$60,9652021Revenue 2022: $321,456Expenses 2022: $314,329Net Income 2022: $7,1272022Revenue 2023: $329,613Expenses 2023: $307,982Net Income 2023: $21,6312023Revenue 2024: $344,177Expenses 2024: $311,786Net Income 2024: $32,3912024

Highlighted filing

2012

Revenue$78,744
Expenses$73,845
Net Income$4,899
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 30, 2013
Return Version
2012v2.1
Mission and Program Overview

Mission

To facilitate college attendance

Filing and Contact Details

Filer

EIN
43-6052502
Raw XML Appendix128 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
CompensationExplanation/Compensation/PersonName0BRYAN BABCOCK
CompensationExplanation/Compensation/PersonName1HAROLD K CHERNOFF
CompensationExplanation/Compensation/PersonName2ADAM SIBURT
CompensationExplanation/Compensation/PersonName3JAMES R SOWERS
IRS990EZ/ActivitiesNotPreviouslyRpt0false
IRS990EZ/BenefitsPaidToOrForMembers08725
IRS990EZ/CashSavingsAndInvestments/BOY09706
IRS990EZ/CashSavingsAndInvestments/EOY022717
IRS990EZ/ContributionsGiftsGrantsEtc010275
IRS990EZ/DidOrgFileForm1120POLThisYear0false
IRS990EZ/DoesOrgHaveHospital0false
IRS990EZ/EngagePoliticalCmpgnActivities0false
IRS990EZ/ExcessOrDeficitForYear04899
IRS990EZ/FeesAndOthPymtToIndContractors06310
IRS990EZ/ForeignFinancialAccount0false
IRS990EZ/ForeignOffice0false
IRS990EZ/GrossReceipts078744
IRS990EZ/GrossReceiptsForPublicUse066146
IRS990EZ/InfoInScheduleOPartI0X
IRS990EZ/InfoInScheduleOPartII0X
IRS990EZ/InfoInScheduleOPartIII0X
IRS990EZ/InitiationFeesAndCapitalContri010275
IRS990EZ/InvestmentIncome02323
IRS990EZ/MadeChangesToOrgnzngEtcDoc0false
IRS990EZ/MadeLoansToFromOfficers0false
IRS990EZ/MaintainAnyDonorAdvisedFunds0false
IRS990EZ/MethodOfAccountingAccrual0X
IRS990EZ/NetAssetsOrFundBalances/BOY0430879
IRS990EZ/NetAssetsOrFundBalancesBOY0430879
IRS990EZ/NetAssetsOrFundBalances/EOY0435776
IRS990EZ/NetAssetsOrFundBalancesEOY0435776
IRS990EZ/OccupancyRentUtilitiesAndMaint017090
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition0000.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition1000.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition2000.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition3000.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation10
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation20
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation30
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName0BRYAN BABCOCK
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName1HAROLD K CHERNOFF
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName2ADAM SIBURT
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName3JAMES R SOWERS
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title1VICE PRESIDE
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title2SECRETARY
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title3TREASURER
IRS990EZ/Organization501c0X
IRS990EZ/OrganizationDissolvedEtc0false
IRS990EZ/OrganizationHadUBI0false
IRS990EZ/OtherAssetsTotal/BOY0421173
IRS990EZ/OtherAssetsTotal/EOY0413059
IRS990EZ/OtherChangesInNetAssets0-2
IRS990EZ/OtherExpensesTotal041720
IRS990EZ/OtherRevenueTotal066146
IRS990EZ/PrimaryExemptPurpose0TO FACILITATE COLLEGE ATTENDANCE
IRS990EZ/ProgramServiceAccomplishment/DescriptionProgramServiceAccom0TO FACILITATE COLLEGE ATTENDANCE
IRS990EZ/ProgramServiceAccomplishment/DescriptionProgramServiceAccom1TO FACILITATE COLLEGE ATTENDANCE
IRS990EZ/ProhibitedTaxShelterTrans0false
IRS990EZ/RelatedOrgControlledEntity0false
IRS990EZ/SubjectToProxyTax0false
IRS990EZ/TanningServicesProvided0false
IRS990EZ/TheBooksAreInCareOf/AddressUS/AddressLine10P O BOX 1884
IRS990EZ/TheBooksAreInCareOf/AddressUS/City0ROLLA
IRS990EZ/TheBooksAreInCareOf/AddressUS/State0MO
IRS990EZ/TheBooksAreInCareOf/AddressUS/ZIPCode065402
IRS990EZ/TheBooksAreInCareOf/NamePerson0JAMES R SOWERS
IRS990EZ/TheBooksAreInCareOf/TelephoneNumber05733644003
IRS990EZ/TotalAssets/BOY0430879
IRS990EZ/TotalAssets/EOY0435776
IRS990EZ/TotalExpenses073845
IRS990EZ/TotalRevenue078744
IRS990EZ/TransactionWithControlEntity0false
IRS990EZ/WebSite0N/A
IRS990ScheduleB/ContributorInfo/AggregateContributions0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/City0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/State0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorNameBusiness/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorNumber0RESTRICTED
IRS990ScheduleO/GeneralExplanation/Explanation0RENT MEMBERS 66,146 TOTAL 66,146
IRS990ScheduleO/GeneralExplanation/Explanation1EXPENSES INTEREST 10 CLEANING EXPENSE 1,381 FUEL, ELECTRIC & WATER 360 INSURANCE 9,696 OFFICE SUPPLIES 441 TAXES & LICENSES 4,892 HOUSE & YARD WORK 2,790 NON-INVESTMENT DEPRECIATION 22,150 TOTAL 41,720
IRS990ScheduleO/GeneralExplanation/Explanation2ROUNDING -2
IRS990ScheduleO/GeneralExplanation/Explanation31,027,822 1,041,858 LESS ACCUMULATED DEPRECIATION 606,649 628,799 ROUNDING 0 0 TOTAL 421,173 413,059
IRS990ScheduleO/GeneralExplanation/Explanation4NOTE PAYABLE-MERC 0 0 NOTE PAYABLE-MERRILL 0 0 NOTE PAYABLE - US BANK 0 0
IRS990ScheduleO/GeneralExplanation/Explanation5TO FACILITATE COLLEGE ATTENDANCE
IRS990ScheduleO/GeneralExplanation/Identifier0OTHER REVENUE
IRS990ScheduleO/GeneralExplanation/Identifier1OTHER EXPENSES
IRS990ScheduleO/GeneralExplanation/Identifier2OTHER CHANGES IN NET ASSETS OR FUND BALANCES
IRS990ScheduleO/GeneralExplanation/Identifier3OTHER ASSETS
IRS990ScheduleO/GeneralExplanation/Identifier4OTHER LIABILITIES
IRS990ScheduleO/GeneralExplanation/Identifier5ALL OTHER ACCOMPLISHMENT
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990-EZ, PART I, LINE 8
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990-EZ, PART I, LINE 20
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990-EZ, PART II, LINE 24
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990-EZ, PART II, LINE 26
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990-EZ, PART III, LINE 31
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0436052502
ReturnHeader/Filer/Name/BusinessNameLine10STUDENTS EDUCATIONAL & LOAN FOUNDAT
ReturnHeader/Filer/NameControl0STUD
ReturnHeader/Filer/Phone05733644003
ReturnHeader/Filer/USAddress/AddressLine10BOX 1884
ReturnHeader/Filer/USAddress/City0ROLLA
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode0654021884
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-04-30
ReturnHeader/Officer/Name0JIM SOWERS
ReturnHeader/Officer/Phone05733644003
ReturnHeader/Officer/Title0MEMBER
ReturnHeader/Preparer/DatePrepared02013-05-14
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10AGC-ALFERMANN GRAY & CO CPA'S LLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10219 W STATE RTE 72
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0ROLLA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0654014102
ReturnHeader/Preparer/Name0LARRY L GRAY CPA
ReturnHeader/Preparer/Phone05733641700
ReturnHeader/ReturnType0990EZ
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-14T10:43:35-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990EZFacts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$435,776
Liabilities
-
Net assets
$435,776
Revenue
$78,744
Expenses
$73,845
Net income
$4,899
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.80$2.26$1.54$0.34$0.31$0.03
2023Summary only. Only limited summary data is available for this year.$3.86$2.37$1.49$0.33$0.31$0.02
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.98$2.51$1.47$0.32$0.31$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.12$2.66$1.46$0.28$0.34$0.06
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.31$2.79$1.52$0.27$0.32$0.06
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.51$2.92$1.59$0.31$0.33$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.66$3.07$1.60$0.39$0.38$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.82$3.23$1.59$0.34$0.38$0.04
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.04$3.41$1.64$0.32$0.40$0.08
2015Detailed filing. Detailed filing data is available for this year.$5.18$3.46$1.72$1.00$0.39$0.61
2014Detailed filing. Detailed filing data is available for this year.$4.91$3.80$1.11$0.78$0.13$0.65
2013Detailed filing. Detailed filing data is available for this year.$0.46$0.46$0.07$0.05$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.44$0.44$0.08$0.07$0.00
2011Summary only. Only limited summary data is available for this year.$0.43$0.00$0.07$0.07$0.00