Civic Intelligence

T&B Consultants

EIN 45-3608301 • 501(c)3 • Lincoln, CA

Profile

Program provides financial coaching counseling creditdebt education via 11 consultations and workshop settings

69 Lincoln Blvd A216Lincoln, CA 95648

lifeontrak.org

Siviq Scores

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

Liabilities / Assets

60th percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

62nd percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2025

Net Margin

53rd percentile

3.3%

Higher net margin than 53% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

95th percentile

$64,480

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 54.3% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

88th percentile

64%

Faster asset growth than 88% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

46th percentile

-6.4%

Faster revenue growth than 46% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets60th percentile

Assets

Up

$9,980

Up $3,885 (+64%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Up

$9,980

Up $3,885 (+64%) from 2024

Operations
Liabilities / Revenue62nd percentileNet Margin53rd percentile

Revenue

Down

$118,800

Down $8,142 (-6.4%) from 2024

Expenses

Down

$114,915

Down $5,932 (-4.9%) from 2024

Net Income

Down

$3,885

Down $2,210 (-36%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth88th percentile

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

$15K$10K$5.0K$0-$5.0KAssets 2013: -$1,586Liabilities 2013: $02013Assets 2014: $2,620Liabilities 2014: $02014Assets 2015: $822Liabilities 2015: $02015Assets 2016: $2,310Liabilities 2016: $02016Assets 2017: $1,300Liabilities 2017: $02017Assets 2018: $3,916Liabilities 2018: $02018Assets 2019: $6,749Liabilities 2019: $02019Assets 2020: $7,317Liabilities 2020: $02020Assets 2021: $5,949Liabilities 2021: $02021Assets 2022: $9,302Liabilities 2022: $0Net Assets 2022: $9,3022022Assets 2023: $10,071Liabilities 2023: $0Net Assets 2023: $10,0712023Assets 2024: $6,095Liabilities 2024: $0Net Assets 2024: $6,0952024Assets 2025: $9,980Liabilities 2025: $0Net Assets 2025: $9,9802025

Highlighted filing

2025

Assets$9,980
Liabilities$0
Net Assets$9,980
Open 2025 Filing

Operations Trend

Revenue Growth46th percentile

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

$200K$150K$100K$50K$0-$50KRevenue 2013: $101,103Expenses 2013: $102,689Net Income 2013: -$1,5862013Revenue 2014: $116,063Expenses 2014: $113,443Net Income 2014: $2,6202014Revenue 2015: $120,823Expenses 2015: $122,621Net Income 2015: -$1,7982015Revenue 2016: $115,608Expenses 2016: $114,120Net Income 2016: $1,4882016Revenue 2017: $92,132Expenses 2017: $93,142Net Income 2017: -$1,0102017Revenue 2018: $152,116Expenses 2018: $149,500Net Income 2018: $2,6162018Revenue 2019: $149,840Expenses 2019: $145,707Net Income 2019: $4,1332019Revenue 2020: $121,075Expenses 2020: $120,507Net Income 2020: $5682020Revenue 2021: $102,430Expenses 2021: $103,798Net Income 2021: -$1,3682021Revenue 2022: $158,941Expenses 2022: $155,588Net Income 2022: $3,3532022Revenue 2023: $158,941Expenses 2023: $158,172Net Income 2023: $7692023Revenue 2024: $126,942Expenses 2024: $120,847Net Income 2024: $6,0952024Revenue 2025: $118,800Expenses 2025: $114,915Net Income 2025: $3,8852025

Highlighted filing

2025

Revenue$118,800
Expenses$114,915
Net Income$3,885
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$9,980
Liabilities
$0
Net assets
$9,980
Revenue
$118,800
Expenses
$114,915
Net income
$3,885
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.10$0.00$0.10$1.19$1.15$0.04
2024Detailed filing. Detailed filing data is available for this year.$0.06$0.00$0.06$1.27$1.21$0.06
2023Detailed filing. Detailed filing data is available for this year.$0.10$0.00$0.10$1.59$1.58$0.01
2022Detailed filing. Detailed filing data is available for this year.$0.09$0.00$0.09$1.59$1.56$0.03
2021Summary only. Only limited summary data is available for this year.$0.06$0.00$1.02$1.04$0.01
2020Summary only. Only limited summary data is available for this year.$0.07$0.00$1.21$1.21$0.01
2019Summary only. Only limited summary data is available for this year.$0.07$0.00$1.50$1.46$0.04
2018Summary only. Only limited summary data is available for this year.$0.04$0.00$1.52$1.50$0.03
2017Summary only. Only limited summary data is available for this year.$0.01$0.00$0.92$0.93$0.01
2016Summary only. Only limited summary data is available for this year.$0.02$0.00$1.16$1.14$0.01
2015Summary only. Only limited summary data is available for this year.$0.01$0.00$1.21$1.23$0.02
2014Summary only. Only limited summary data is available for this year.$0.03$0.00$1.16$1.13$0.03
2013Summary only. Only limited summary data is available for this year.$0.02$0.00$1.01$1.03$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Oct 18, 2025
Return Version
2024v5.0
Gross Receipts
$118,800
Mission and Program Overview

Mission

Education

Program provides financial coaching counseling creditdebt education via 11 consultations and group workshop settings

Program Services

DescriptionGrantsExpenses
0--
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carolee BurseProgram DirectorFT$64,480-$64,480
Shandra ThomasExecutive DirectorFT$34,700-$34,700
Filing and Contact Details

Filer

Filer Name
T&b Consultants
EIN
45-3608301
Phone
9168936930
Address
69 LINCOLN BLVD A216, LINCOLN, CA 95648

Signing Officer

Name
Shandra Thomas
Title
Executive Director
Phone
9168936930
Signed
2025-10-18
Supplemental Narrative

Additional Explanations

Schedule O:

“Travel and insurance.”

Raw XML Appendix186 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/BenefitsPaidToOrForMembersAmt00
IRS990EZ/BooksInCareOfDetail/PersonNm0Shandra Thomas
IRS990EZ/BooksInCareOfDetail/PhoneNum09168936930
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt069 Lincoln Blvd Ste A216
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Lincoln
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd095648
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt06095
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt09980
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt0118800
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt03885
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0109320
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt06095
IRS990EZ/Form990TotalAssetsGrp/EOYAmt09980
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt0118800
IRS990EZ/GrossSalesOfInventoryAmt00
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt06095
IRS990EZ/NetAssetsOrFundBalancesEOYAmt09980
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt06095
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt09980
IRS990EZ/OccupancyRentUtltsAndMaintAmt02783
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt140.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt034700
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt164480
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Shandra Thomas
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Carolee Burse
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Executive Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Program Director
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt01419
IRS990EZ/OtherRevenueTotalAmt00
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Program provides financial coaching counseling creditdebt education via 11 consultations and group workshop settings
IRS990EZ/PrintingPublicationsPostageAmt01393
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt00
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt00
IRS990EZ/SaleOfAssetsGrossAmt00
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0CA
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0114915
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt0118800
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0lifeontrak.org
IRS990ScheduleA/AdjustedNetIncomeGrp/AdjustedGrossIncomeGrp/CurrentYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/AdjustedGrossIncomeGrp/PriorYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/DepreciationDepletionGrp/CurrentYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/DepreciationDepletionGrp/PriorYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/NetSTCapitalGainAdjNetIncmGrp/CurrentYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/NetSTCapitalGainAdjNetIncmGrp/PriorYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/OtherExpensesGrp/CurrentYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/OtherExpensesGrp/PriorYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/OtherGrossIncomeGrp/CurrentYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/OtherGrossIncomeGrp/PriorYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/ProductionIncomeGrp/CurrentYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/ProductionIncomeGrp/PriorYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/RecoveriesPYDistributionsGrp/CurrentYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/RecoveriesPYDistributionsGrp/PriorYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/TotalAdjustedNetIncomeGrp/CurrentYearAmt00
IRS990ScheduleA/AdjustedNetIncomeGrp/TotalAdjustedNetIncomeGrp/PriorYearAmt00
IRS990ScheduleA/CommunityTrustInd0X
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0118800
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0126942
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0158941
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0158941
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0102430
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0666054
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/InvestmentIncomePYPct00
IRS990ScheduleA/MinimumAssetAmountGrp/AcquisitionIndebtednessGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AcquisitionIndebtednessGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AdjustedFMVLessIndebtednessGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AdjustedFMVLessIndebtednessGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyCashBalancesGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyCashBalancesGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyFMVOfSecGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyFMVOfSecGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/CashDeemedCharitableGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/CashDeemedCharitableGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/DiscountClaimedAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/FMVOtherNonExemptUseAssetGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/FMVOtherNonExemptUseAssetGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/NetVlNonExemptUseAssetsGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/NetVlNonExemptUseAssetsGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/PctOfNetVlNonExemptUseAstGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/PctOfNetVlNonExemptUseAstGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/RecoveriesPYDistriMinAssetGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/RecoveriesPYDistriMinAssetGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/TotalFMVOfNonExemptUseAssetGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/TotalFMVOfNonExemptUseAssetGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/TotalMinimumAssetGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/TotalMinimumAssetGrp/PriorYearAmt00
IRS990ScheduleA/PublicSupportCY170Pct00
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportPY170Pct00
IRS990ScheduleA/PublicSupportPY509Pct00
IRS990ScheduleA/PublicSupportTotal170Amt0666054
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0118800
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0126942
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0158941
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0158941
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0102430
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0666054
IRS990ScheduleA/TotalSupportAmt0666054
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt00
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Travel and insurance.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule O:
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Shandra Thomas
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Director
ReturnHeader/BusinessOfficerGrp/PhoneNum09168936930
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0T&B CONSULTANTS
ReturnHeader/Filer/BusinessNameControlTxt0T&BC
ReturnHeader/Filer/EIN0453608301
ReturnHeader/Filer/PhoneNum09168936930
ReturnHeader/Filer/USAddress/AddressLine1Txt069 LINCOLN BLVD A216
ReturnHeader/Filer/USAddress/CityNm0LINCOLN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd095648
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/ReturnTs02025-10-18T20:30:03Z
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.