Civic Intelligence

Housing & Financial Educator Inc

990 • Fiscal year 2017 • EIN 46-5173428

Jan 01, 2017 to Dec 31, 2017 • Filed on May 14, 2018

Organization Profilewww.housingeducator.org
19 North Pinellas AveTarpon Springs, FL 34689

(855) 728-1200

Siviq Scores

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

Liabilities / Assets

26th percentile

0.00x

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

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Liabilities / Revenue

26th percentile

0.00x

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

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Net Margin

53rd percentile

4.6%

Higher net margin than 53% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Top Officer Pay

57th percentile

$28,350

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 5.1% of source-year revenue.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Asset Growth

2nd percentile

-53%

Faster asset growth than 2% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2016 to 2017

Revenue Growth

87th percentile

55%

Faster revenue growth than 87% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets26th percentile

Assets

Down

$1,337

Down $1,483 (-53%) from 2016

Net Assets

Down

$1,337

Down $1,483 (-53%) from 2016

Liabilities

Flat

$0

Flat from 2016

Revenue And Expenses
Liabilities / Revenue26th percentileNet Margin53rd percentile

Revenue

Up

$556,062

Up $197,830 (+55%) from 2016

Expenses

Up

$530,477

Up $175,864 (+50%) from 2016

Net Income

Up

$25,585

Up $21,966 (+607%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

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

$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 2017: $1,337Liabilities 2017: $0Net Assets 2017: $1,3372017Assets 2018: $5,044Liabilities 2018: $0Net Assets 2018: $5,0442018Assets 2019: $4,002Liabilities 2019: $0Net Assets 2019: $4,0022019

Highlighted filing

2017

Assets$1,337
Liabilities$0
Net Assets$1,337
Open 2017 Filing

Operations Trend

Revenue Growth87th percentile

Revenue, expenses, and net income across loaded years, with this 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 2017: $556,062Expenses 2017: $530,477Net Income 2017: $25,5852017Revenue 2018: $442,582Expenses 2018: $450,584Net Income 2018: -$8,0022018Revenue 2019: $199,174Expenses 2019: $200,216Net Income 2019: -$1,0422019

Highlighted filing

2017

Revenue$556,062
Expenses$530,477
Net Income$25,585
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 14, 2018
Return Version
2017v2.2
Gross Receipts
$556,062
Mission and Program Overview

Mission

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

Loan Modification Programs

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$1,300$1,300→ $0
Cash and Non-Interest-Bearing Accounts$1,520$37▼ $1,483
Total Assets$2,820$1,337▼ $1,483
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Unrestricted Net Assets$2,820$1,337▼ $1,483
Total Net Assets Fund Balance$2,820$1,337▼ $1,483
Total Liabilities and Net Assets / Fund Balance$2,820$1,337▼ $1,483
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michelle TorreSecretaryFT$28,350$28,350
Michael ErwoodTreasurerPT$26,150$26,150
Tiffany BurnsVice PresidentPT$22,388$22,388
Spencer HattEmployeePT$11,324$11,324
Steven GreerEmployeePT$11,150$11,150
Pasquale MatraPresidentFT$11,020$11,020
Sandra BennettEmployeePT$7,807$7,807
Elizabeth FernEmployeePT$3,892$3,892
Victor AlamoEmployeePT$1,500$1,500
Shane McCarthyEmployeePT$1,487$1,487
Karen RachellEmployeePT$250$250
Nadine FabreEmployeePT$100$100
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$556,062
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$25,585
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$383,505
Salaries, Compensation, and Employee Benefits$146,972
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management-$190,477-$190,477
All Other Expenses-$185,325-$185,325
Current Officers, Directors, Trustees, and Key Employees-$125,418-$125,418
Payroll Taxes-$11,169-$11,169
Other Employee Benefits-$10,385-$10,385
Advertising-$3,222-$3,222
Office Expenses-$2,297-$2,297
Insurance-$2,001-$2,001
Travel-$183-$183
Total Functional Expenses$0$530,477$0$530,477
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
No
Backup withholding compliance
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Housing & Financial Educator I
EIN
46-5173428
Phone
8557281200
Address
19 North Pinellas Ave, TARPON SPRINGS, FL 34689

Signing Officer

Name
Pasquale Matranga
Title
President
Signed
2018-05-14
Discuss with paid preparer
No

Organization Details

Principal Officer
Pasquale Matranga
Voting Board Members
0
Independent Board Members
0
Employees
6

Preparer

Firm
MW Accounting & Tax Service
Address
1342 Tampa Road, PALM HARBOR, FL 34683
Preparer
Michael J Westcott
Supplemental Narrative

Additional Explanations

Form 990 Part 1 Line 17 Other Expenses

“Supplies 4,690”

Form 990 Part 1 Line 17 Other Expenses

“Telephone 6,437”

Form 990 Part 1 Line 17 Other Expenses

“Postage & Delivery 1,036”

Form 990 Part 1 Line 17 Other Expenses

“Bank Charges 774”

Form 990 Part 1 Line 17 Other Expenses

“Computer & Internet Services 11,287”

Form 990 Part 1 Line 17 Other Expenses

“License & Fees 10,889”

Form 990 Part 1X Line 24A Other Expense

“Printing 134,250”

Form 990 Part 1X Line 24E Other Expenses

“Merchant Fees 24,709”

Form 990 Part 1X Line 24E Other Expenses

“Cleaning & Maintenance 4,882”

Form 990 Part 1X Line 24E Other Expenses

“Utilities 4,406”

Form 990 Part 1X Line 24E Other Expenses

“Auto Expense 8,528”

Form 990 Part 1X Line 24E Other Expenses

“Rent 8,550”

Raw XML Appendix365 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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IRS990/TotalAssetsGrp/BOYAmt02820
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IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0530477
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0530477
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IRS990/TotalProgramServiceRevenueAmt0556062
IRS990/TotalReportableCompFromOrgAmt0125418
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0556062
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0556062
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01337
IRS990/TravelGrp/ManagementAndGeneralAmt0183
IRS990/TravelGrp/TotalAmt0183
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt02820
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IRS990/USAddress/AddressLine1Txt030 Shore Drive 2
IRS990/USAddress/CityNm0PALM HARBOR
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IRS990/USAddress/ZIPCd034683
IRS990/VotingMembersGoverningBodyCnt00
IRS990/VotingMembersIndependentCnt00
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Pasquale Matranga
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Housing & Financial Educator I
ReturnHeader/Filer/BusinessNameControlTxt0HOUS
ReturnHeader/Filer/EIN0465173428
ReturnHeader/Filer/PhoneNum08557281200
ReturnHeader/Filer/USAddress/AddressLine1Txt019 North Pinellas Ave
ReturnHeader/Filer/USAddress/CityNm0TARPON SPRINGS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
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ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0918D703A06CACA61145FB5BBD509DD32EBD83288
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId00B30DD6D1348F80FFA5F2D1CF8D3050A36F91D36
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId05972522018134h001175
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02018-06-12
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0108.9.167.8
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0205042232
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MW Accounting & Tax Service
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01342 Tampa Road
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0PALM HARBOR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd034683
ReturnHeader/PreparerPersonGrp/PreparationDt02018-06-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Michael J Westcott
ReturnHeader/ReturnTs02018-06-18T15:02:35-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,337
Liabilities
$0
Net assets
$1,337
Revenue
$556,062
Expenses
$530,477
Net income
$25,585
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
2017Detailed filing. Detailed filing data is available for this year.$0.01$0.00$0.01$5.56$5.30$0.26
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