Civic Intelligence

Housing & Financial Educators

EIN 46-5173428 • 501(c)3 • Tarpon Springs, FL

Profile

Provide housing and financial education to those who are losing their homes.

PO Box 576Tarpon Springs, FL 34689

www.housingeducator.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 2019

Liabilities / Revenue

62nd percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2019

Net Margin

43rd percentile

-0.5%

Higher net margin than 43% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2019

Top Officer Pay

94th percentile

$54,661

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 27.4% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2019

Asset Growth

32nd percentile

-21%

Faster asset growth than 32% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2018 to 2019

Revenue Growth

16th percentile

-55%

Faster revenue growth than 16% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets60th percentile

Assets

Down

$4,002

Down $1,042 (-21%) from 2018

Liabilities

Flat

$0

Flat from 2018

Net Assets

Down

$4,002

Down $1,042 (-21%) from 2018

Operations
Liabilities / Revenue62nd percentileNet Margin43rd percentile

Revenue

Down

$199,174

Down $243,408 (-55%) from 2018

Expenses

Down

$200,216

Down $250,368 (-56%) from 2018

Net Income

Up

-$1,042

Up $6,960 (+87%) from 2018

Trend Graphs

Balance Sheet Trend

Asset Growth32nd percentile

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

$15K$10K$5.0K$0Assets 2015: $1,799Liabilities 2015: $02015Assets 2016: $2,820Liabilities 2016: $0Net Assets 2016: $2,8202016Assets 2017: $13,823Liabilities 2017: $0Net Assets 2017: $13,8232017Assets 2018: $5,044Liabilities 2018: $0Net Assets 2018: $5,0442018Assets 2019: $4,002Liabilities 2019: $0Net Assets 2019: $4,0022019

Highlighted filing

2019

Assets$4,002
Liabilities$0
Net Assets$4,002
Open 2019 Filing

Operations Trend

Revenue Growth16th percentile

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

$600K$400K$200K$0-$200KRevenue 2015: $168,090Expenses 2015: $167,155Net Income 2015: $9352015Revenue 2016: $358,232Expenses 2016: $354,613Net Income 2016: $3,6192016Revenue 2017: $519,965Expenses 2017: $508,962Net Income 2017: $11,0032017Revenue 2018: $442,582Expenses 2018: $450,584Net Income 2018: -$8,0022018Revenue 2019: $199,174Expenses 2019: $200,216Net Income 2019: -$1,0422019

Highlighted filing

2019

Revenue$199,174
Expenses$200,216
Net Income-$1,042
Open 2019 Filing

Filings

Most recent year

2019 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,002
Liabilities
$0
Net assets
$4,002
Revenue
$199,174
Expenses
$200,216
Net income
-$1,042
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$0.04$0.00$0.04$1.99$2.00$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.05$0.00$0.05$4.43$4.51$0.08
2017Detailed filing. Detailed filing data is available for this year.$0.14$0.00$0.14$5.20$5.09$0.11
2016Detailed filing. Detailed filing data is available for this year.$0.03$0.00$0.03$3.58$3.55$0.04
2015Summary only. Only limited summary data is available for this year.$0.02$0.00$1.68$1.67$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Dec 11, 2020
Return Version
2019v5.0
Gross Receipts
$199,174
Mission and Program Overview

Mission

Provide Housing and financial education for people facing foreclosure

Program Services

DescriptionGrantsExpenses
Loan modification programs$0$210,216
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Pasquale MatrangaPresidentFT$54,661-$54,661
Mike ErwoodCounselorPT$6,200-$6,200
Janette HernandezCounselorPT$5,990-$5,990
Spencer HattCounselorPT$4,567-$4,567
Steven GreerI.T.PT$2,600-$2,600
Filing and Contact Details

Filer

Filer Name
Housing & Financial Educator Inc
EIN
46-5173428
In Care Of
% Pasquale Matranga
Phone
8557281200
Address
PO Box 576, TARPON SPRINGS, FL 34689

Signing Officer

Name
Pasquale Matranga
Title
CEO
Signed
2020-12-11
Discuss with paid preparer
No
Supplemental Narrative

Additional Explanations

Part I, line 16

“| Other Expenses:, Amount:| Advertising office expense travel insurance, $12630|”

Part I, line 20

“| Explanation:, Amount:| , $0|”

Raw XML Appendix134 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/BusinessName/BusinessNameLine1Txt0Pasquale Matranga
IRS990EZ/BooksInCareOfDetail/PhoneNum08557281200
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 576
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0TARPON SPRINGS
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd034689
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt05044
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt04002
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-1042
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt074018
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt05044
IRS990EZ/Form990TotalAssetsGrp/EOYAmt04002
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt0199174
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitialReturnInd0X
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt05044
IRS990EZ/NetAssetsOrFundBalancesEOYAmt04002
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt05044
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt04002
IRS990EZ/OccupancyRentUtltsAndMaintAmt064732
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt060.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt120.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt220.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt310.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt420.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt054661
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt16200
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt22600
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt34567
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt45990
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Pasquale Matranga
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Mike Erwood
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Steven Greer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Spencer Hatt
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Janette Hernandez
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Counselor
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2I.T.
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Counselor
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Counselor
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherExpensesTotalAmt012630
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Provide Housing and financial education for people facing foreclosure
IRS990EZ/PrintingPublicationsPostageAmt048836
IRS990EZ/ProgramServiceRevenueAmt0199174
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Loan modification programs
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0210216
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/RelatedOrgSect527OrgInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0200216
IRS990EZ/TotalProgramServiceExpensesAmt0210216
IRS990EZ/TotalRevenueAmt0199174
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990ScheduleA/First5Years509Ind0X
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0| Year:, Amount:, Description:| 2015, , | 2016, | 2017, | 2018, | 2019, |
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0Part II - Line 10
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0211174
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0478630
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0519965
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0358232
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0168090
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01736091
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00
IRS990ScheduleA/PublicSupportTotal509Amt01736091
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0211174
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0478630
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0519965
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0358232
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0168090
IRS990ScheduleA/Total509Grp/TotalAmt01736091
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0211174
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0478630
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0519965
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0358232
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0168090
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt01736091
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0| Other Expenses:, Amount:| Advertising office expense travel insurance, $12630|
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1| Explanation:, Amount:| , $0|
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part I, line 20
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Pasquale Matranga
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-12-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HOUSING & FINANCIAL EDUCATOR INC
ReturnHeader/Filer/BusinessNameControlTxt0HOUS
ReturnHeader/Filer/EIN0465173428
ReturnHeader/Filer/InCareOfNm0% Pasquale Matranga
ReturnHeader/Filer/PhoneNum08557281200
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 576
ReturnHeader/Filer/USAddress/CityNm0TARPON SPRINGS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd034689
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt096.59.247.134
ReturnHeader/FilingSecurityInformation/IPDt02020-12-11
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ES
ReturnHeader/ReturnTs02020-12-11T07:38:23-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

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