Civic Intelligence

Housing & Financial Educator Inc

990 • Fiscal year 2018 • EIN 46-5173428

Jan 01, 2018 to Dec 31, 2018 • Filed on Apr 12, 2019

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

57th percentile

0.00x

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

2018 filings • 501(c)3 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

56th percentile

0.00x

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

2018 filings • 501(c)3 • <$500k nonprofits • Source year 2018

Net Margin

36th percentile

-1.8%

Higher net margin than 36% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Source year 2018

Top Officer Pay

76th percentile

$0

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2018 filings • 501(c)3 • <$500k nonprofits • Source year 2018

Asset Growth

96th percentile

277%

Faster asset growth than 96% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

24th percentile

-20%

Faster revenue growth than 24% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Assets

Down

$5,044

Down $8,779 (-64%) from 2017

Net Assets

Down

$5,044

Down $8,779 (-64%) from 2017

Liabilities

Flat

$0

Flat from 2017

Revenue

Down

$442,582

Down $77,383 (-15%) from 2017

Expenses

Down

$450,584

Down $58,378 (-11%) from 2017

Net Income

Down

-$8,002

Down $19,005 (-173%) from 2017

Historical Trend

Balance Sheet Trend

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 2018: $5,044Liabilities 2018: $0Net Assets 2018: $5,0442018Assets 2019: $4,002Liabilities 2019: $0Net Assets 2019: $4,0022019

Highlighted filing

2018

Assets$5,044
Liabilities$0
Net Assets$5,044

Operations Trend

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 2018: $442,582Expenses 2018: $450,584Net Income 2018: -$8,0022018Revenue 2019: $199,174Expenses 2019: $200,216Net Income 2019: -$1,0422019

Highlighted filing

2018

Revenue$442,582
Expenses$450,584
Net Income-$8,002
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Apr 12, 2019
Return Version
2018v3.1
Gross Receipts
$442,582
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$12,560--
Cash and Non-Interest-Bearing Accounts$-37$2,224▲ $2,261
Other Notes and Loans Receivable, Net-$1,520-
Total Assets$13,823$5,044▼ $8,779
Other Assets Total$1,300$1,300→ $0
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Unrestricted Net Assets$13,823$5,044▼ $8,779
Total Net Assets Fund Balance$13,823$5,044▼ $8,779
Total Liabilities and Net Assets / Fund Balance$13,823$5,044▼ $8,779

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings-$6,489$6,489
Other Assets Org$1,300--
Compensation and Service Providers

Board Members and Trustees

NameTitle
Pasquale MantrangaPresident
Tiffany M BurnsVice President
Elizabeth FernandezEmployee
Michael K ErwoodEmployee
Michelle TorressEmployee
Sandra BennettEmployee
Steven R GreerEmployee
Spencer HattExecutive Secretary
Dustin WorthenSecretary
John CassiasSub-Contractor
Laurie RineerSub-Contractor
Roger PiekarskSub-Contractor
Whitney JohnsonSub-Contractor
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$442,582
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-8,002
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$255,738
Salaries, Compensation, and Employee Benefits$194,846
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$94,018-$94,018
Current Officers, Directors, Trustees, and Key Employees-$86,720-$86,720
Fees for Services Management-$81,233-$81,233
Occupancy-$24,703-$24,703
All Other Expenses-$22,087-$22,087
Office Expenses-$15,040-$15,040
Insurance-$12,306-$12,306
Payroll Taxes-$8,502-$8,502
Other Expenses-$7,217-$7,217
Travel-$7,035-$7,035
Fees for Services Accounting-$6,474-$6,474
Other Employee Benefits-$5,606-$5,606
Depreciation Depletion-$5,024-$5,024
Advertising-$3,783-$3,783
Total Functional Expenses$0$450,584$0$450,584
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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990 governing body review Part VI line 11

Governing body shall review 990, and all supporting schedules, against actual financials, to ensure accuracy and completeness of our filings.

Conflict of interest policy compliance Part VI line 12C

The purpose of our conflict of interest policy is to protect the Housing & Financial Educator, Inc. (hereinafter the Organization) interest when it is contemplating entering into a transaction or arrangement that might benefit the private interest of an officer or director of the Organization or might otherwise result in a possible excess benefit transaction. This policy is intended to supplement but not replace any applicable state and federal laws governing conflict of interest applicable to nonprofit and charitable organizations.

CEO executive director top management comp Part VI line 15A

At each annual meeting of members the membership shall elect officers to hold office until the next annual meeting. Each officer shall hold office until the expiration of the term for which he was elected and until his successor has been elected and shall have qualified, or until his prior resignation or removal.All compensation shall be openly discussed and agreed upon herein, commensurate with responsibilities.

Other officer or key employee compensation Part VI line 15B

At each annual meeting of members the membership shall elect officers & directors to hold office until the next annual meeting. Each officer or director shall hold office until the expiration of the term for which he was elected and until his successor has been elected and shall have qualified, or until his prior resignation or removal.All compensation of officers and key employees shall be openly discussed and agreed upon herein, commensurate with responsibilities.

Governing documents etc available to public Part VI line 19

Housing & Financial Educators shall make widely available upon request, both Governance Documents and Financial and IRS documents in a timely manner.

Filing and Contact Details

Filer

Filer Name
Housing & Financial Educators
EIN
46-5173428
Address
19 North Pinellas Ave, Tarpon Springs, FL 34689

Signing Officer

Name
Pasquale Mantranga
Title
President
Phone
8557281200
Signed
2019-04-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Pasquale Mantranga
Formed
2014
Legal Domicile
Fl
Voting Board Members
4
Independent Board Members
0
Employees
12

Preparer

Firm
GRIFFIN Tax
Address
971 Virginia Ave STE E, Palm Harbor, FL 34683
Preparer
Steve Griffin
Phone
7279538889
Supplemental Narrative

Additional Explanations

Amended return information

Prior accountant may have inadvertently filed as we are currently receiving rejection codes due to prior return filed.

Explanation of other changes in net assets or fund balances Part XI line 9

Depre. adj. for vehicle dist. w/o

Raw XML Appendix394 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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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt06489
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt06489
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01300
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Prior accountant may have inadvertently filed as we are currently receiving rejection codes due to prior return filed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Governing body shall review 990, and all supporting schedules, against actual financials, to ensure accuracy and completeness of our filings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The purpose of our conflict of interest policy is to protect the Housing & Financial Educator, Inc. (hereinafter the Organization) interest when it is contemplating entering into a transaction or arrangement that might benefit the private interest of an officer or director of the Organization or might otherwise result in a possible excess benefit transaction. This policy is intended to supplement but not replace any applicable state and federal laws governing conflict of interest applicable to nonprofit and charitable organizations.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3At each annual meeting of members the membership shall elect officers to hold office until the next annual meeting. Each officer shall hold office until the expiration of the term for which he was elected and until his successor has been elected and shall have qualified, or until his prior resignation or removal.All compensation shall be openly discussed and agreed upon herein, commensurate with responsibilities.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4At each annual meeting of members the membership shall elect officers & directors to hold office until the next annual meeting. Each officer or director shall hold office until the expiration of the term for which he was elected and until his successor has been elected and shall have qualified, or until his prior resignation or removal.All compensation of officers and key employees shall be openly discussed and agreed upon herein, commensurate with responsibilities.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Housing & Financial Educators shall make widely available upon request, both Governance Documents and Financial and IRS documents in a timely manner.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Depre. adj. for vehicle dist. w/o
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Amended return information
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Explanation of other changes in net assets or fund balances Part XI line 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt013823
IRS990/TotalAssetsEOYAmt05044
IRS990/TotalAssetsGrp/BOYAmt013823
IRS990/TotalAssetsGrp/EOYAmt05044
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0450584
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0450584
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt013823
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05044
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0442582
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0442582
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0442582
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt013823
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05044
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt07035
IRS990/TravelGrp/TotalAmt07035
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt013823
IRS990/UnrestrictedNetAssetsGrp/EOYAmt05044
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt030 Shore Dr
IRS990/USAddress/CityNm0Palm Harbor
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd034683
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.housingeducator.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02021-01-29 14:40:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Pasquale Mantranga
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum08557281200
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-04-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Housing & Financial Educators
ReturnHeader/Filer/BusinessNameControlTxt0HOUS
ReturnHeader/Filer/EIN0465173428
ReturnHeader/Filer/USAddress/AddressLine1Txt019 North Pinellas Ave
ReturnHeader/Filer/USAddress/CityNm0Tarpon Springs
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd034689
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId006B0D2EA06670AE04F247EBDA83820F4A4C6DC89
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId006B0D2EA06670AE04F247EBDA83820F4A4C6DC89
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId05971682020342rdpjzwq
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02020-12-07
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0131.148.74.214
ReturnHeader/FilingSecurityInformation/IPDt02020-12-07
ReturnHeader/FilingSecurityInformation/IPTm019:00:12
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0823934749
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GRIFFIN Tax
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0971 Virginia Ave STE E
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Palm Harbor
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd034683
ReturnHeader/PreparerPersonGrp/PhoneNum07279538889
ReturnHeader/PreparerPersonGrp/PreparationDt02020-12-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Steve Griffin
ReturnHeader/ReturnTs02020-12-07T17:54:01-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

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