Civic Intelligence

T&B Consultants

990EZ • Fiscal year 2025 • EIN 45-3608301

Jul 01, 2024 to Jun 30, 2025 • Filed on Oct 18, 2025

Organization Profilelifeontrak.org
69 Lincoln Blvd A216Lincoln, CA 95648

(916) 893-6930

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.00x

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

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

Liabilities / Revenue

63rd percentile

0.00x

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

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

Net Margin

50th percentile

3.3%

Higher net margin than 50% of similar nonprofits.

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

Top Officer Pay

96th percentile

$64,480

Higher top officer pay than 96% of similar nonprofits.

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

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

Asset Growth

89th percentile

64%

Faster asset growth than 89% of similar nonprofits.

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

Revenue Growth

38th percentile

-6.4%

Faster revenue growth than 38% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$9,980

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

Net Assets

Up

$9,980

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

Liabilities

Flat

$0

Flat from 2024

Revenue And Expenses
Liabilities / Revenue63rd percentileNet Margin50th 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

Historical Trend

Balance Sheet Trend

Asset Growth89th percentile

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

$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 Growth38th percentile

Revenue, expenses, and net income across loaded years, with this 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
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 Pay96th 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.

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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Lincoln
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd095648
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IRS990EZ/ContributionsGiftsGrantsEtcAmt0118800
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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
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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
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IRS990ScheduleA/AdjustedNetIncomeGrp/NetSTCapitalGainAdjNetIncmGrp/CurrentYearAmt00
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IRS990ScheduleA/AdjustedNetIncomeGrp/OtherExpensesGrp/CurrentYearAmt00
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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
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IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyFMVOfSecGrp/CurrentYearAmt00
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IRS990ScheduleA/MinimumAssetAmountGrp/CashDeemedCharitableGrp/CurrentYearAmt00
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IRS990ScheduleA/MinimumAssetAmountGrp/DiscountClaimedAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/FMVOtherNonExemptUseAssetGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/FMVOtherNonExemptUseAssetGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/NetVlNonExemptUseAssetsGrp/CurrentYearAmt00
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IRS990ScheduleA/MinimumAssetAmountGrp/PctOfNetVlNonExemptUseAstGrp/CurrentYearAmt00
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IRS990ScheduleA/MinimumAssetAmountGrp/RecoveriesPYDistriMinAssetGrp/CurrentYearAmt00
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IRS990ScheduleA/PublicSupportCY170Pct00
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportPY170Pct00
IRS990ScheduleA/PublicSupportPY509Pct00
IRS990ScheduleA/PublicSupportTotal170Amt0666054
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0118800
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0158941
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0102430
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0666054
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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt00
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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.

Filings

Displayed 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