Civic Intelligence

Penny-Wise Charities Southwest Inc

EIN 47-1671164 • 501(c)3 • Sun City, AZ

Profile

Operation of a charitable thrift store by accepting community donations, eliminating the need to send goods to the local landfill.

10050 W Bell RdSun City, AZ 85351
Siviq Scores

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

Liabilities / Assets

97th percentile

3.46x

Higher debt load relative to assets than 97% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Liabilities / Revenue

95th percentile

1.16x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Net Margin

31st percentile

-9.6%

Higher net margin than 31% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Top Officer Pay

92nd percentile

$42,461

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 33.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2023

Asset Growth

26th percentile

-31%

Faster asset growth than 26% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2023

Revenue Growth

69th percentile

16%

Faster revenue growth than 69% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets97th percentile

Assets

Down

$43,220

Down $19,681 (-31%) from 2022

Liabilities

Down

$149,552

Down $10,262 (-6.4%) from 2022

Net Assets

Down

-$106,332

Down $9,419 (-9.7%) from 2022

Operations
Liabilities / Revenue95th percentileNet Margin31st percentile

Revenue

Up

$128,557

Up $17,789 (+16%) from 2022

Expenses

Down

$140,881

Down $5,904 (-4.0%) from 2022

Net Income

Up

-$12,324

Up $23,693 (+66%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth26th percentile

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

$200K$100K$0-$100K-$200KAssets 2014: $1,622Liabilities 2014: $02014Assets 2015: $19,545Liabilities 2015: $02015Assets 2016: $19,282Liabilities 2016: $02016Assets 2017: $20,511Liabilities 2017: $02017Assets 2018: $20,642Liabilities 2018: $02018Assets 2019: $38,381Liabilities 2019: $15,0632019Assets 2020: $42,830Liabilities 2020: $71,250Net Assets 2020: -$28,4202020Assets 2021: $101,732Liabilities 2021: $179,146Net Assets 2021: -$77,4142021Assets 2022: $62,901Liabilities 2022: $159,814Net Assets 2022: -$96,9132022Assets 2023: $43,220Liabilities 2023: $149,552Net Assets 2023: -$106,3322023

Highlighted filing

2023

Assets$43,220
Liabilities$149,552
Net Assets-$106,332
Open 2023 Filing

Operations Trend

Revenue Growth69th percentile

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

$200K$100K$0-$100KRevenue 2014: $50,404Expenses 2014: $49,913Net Income 2014: $4912014Revenue 2015: $147,605Expenses 2015: $150,366Net Income 2015: -$2,7612015Revenue 2016: $133,324Expenses 2016: $130,179Net Income 2016: $3,1452016Revenue 2017: $134,159Expenses 2017: $130,403Net Income 2017: $3,7562017Revenue 2018: $142,216Expenses 2018: $140,268Net Income 2018: $1,9482018Revenue 2019: $124,137Expenses 2019: $121,461Net Income 2019: $2,6762019Revenue 2020: $74,368Expenses 2020: $139,174Net Income 2020: -$64,8062020Revenue 2021: $96,532Expenses 2021: $145,526Net Income 2021: -$48,9942021Revenue 2022: $110,768Expenses 2022: $146,785Net Income 2022: -$36,0172022Revenue 2023: $128,557Expenses 2023: $140,881Net Income 2023: -$12,3242023

Highlighted filing

2023

Revenue$128,557
Expenses$140,881
Net Income-$12,324
Open 2023 Filing

Filings

Most recent year

2023 • Form 990EZXML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$43,220
Liabilities
$149,552
Net assets
-$106,332
Revenue
$128,557
Expenses
$140,881
Net income
-$12,324
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.43$1.50$1.06$1.29$1.41$0.12
2022Detailed filing. Detailed filing data is available for this year.$0.63$1.60$0.97$1.11$1.47$0.36
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.02$1.79$0.77$0.97$1.46$0.49
2020Detailed filing. Detailed filing data is available for this year.$0.43$0.71$0.28$0.74$1.39$0.65
2019Summary only. Only limited summary data is available for this year.$0.38$0.15$1.24$1.21$0.03
2018Summary only. Only limited summary data is available for this year.$0.21$0.00$1.42$1.40$0.02
2017Summary only. Only limited summary data is available for this year.$0.21$0.00$1.34$1.30$0.04
2016Summary only. Only limited summary data is available for this year.$0.19$0.00$1.33$1.30$0.03
2015Summary only. Only limited summary data is available for this year.$0.20$0.00$1.48$1.50$0.03
2014Summary only. Only limited summary data is available for this year.$0.02$0.00$0.50$0.50$0.00
Latest Detailed Filing

The latest 2023 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
May 3, 2023
Return Version
2022v5.0
Gross Receipts
$110,768
Mission and Program Overview

Mission

Operation of a charitable thrift store by accepting community donations, eliminating the need to send goods to the local landfill.

Program Services

DescriptionGrantsExpenses
Providing items for minimal purchase by the less fortunate of society.$0$0
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
CRAIG CLOVERPresidentFT$48,000-$48,000
Filing and Contact Details

Filer

Filer Name
Penny-wise Charities Southwest Inc
EIN
47-1671164
Phone
6238150081
Address
10050 W BELL RD, SUN CITY, AZ 85351

Signing Officer

Name
Craig Clover
Title
President
Phone
6238150081
Signed
2023-05-03
Discuss with paid preparer
Yes

Preparer

Firm
Steven O Jay CPA
Address
7055 West Bell Road Suite 12, Glendale, AZ 85308
Preparer
Steven O Jay
Phone
6239791200
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 16

“COST OF GOODS 1956.”

Form 990EZ, Part I, Line 16

“ADVERTISING 180.”

Form 990EZ, Part I, Line 16

“AUTO 4555.”

Form 990EZ, Part I, Line 16

“Computer and internet 1218.”

Form 990EZ, Part I, Line 16

“EQUIPMENT RENT 82.”

Form 990EZ, Part I, Line 16

“INSURANCE 4788.”

Form 990EZ, Part I, Line 16

“OFFICE 568.”

Form 990EZ, Part I, Line 16

“PAYROLL TAXES 11100.”

Form 990EZ, Part I, Line 16

“SUPPLIES 1343.”

Form 990EZ, Part I, Line 16

“TELEPHONE 513.”

Form 990EZ, Part I, Line 16

“UTILITIES 6661.”

Form 990EZ, Part II, Line 24

“ASSET PURCHASE”

Form 990EZ, Part II, Line 24

“VEHICLE”

Form 990EZ, Part II, Line 26

“LOAN CLOVER”

Form 990EZ, Part II, Line 26

“PAYROLL TAXES”

Form 990EZ, Part II, Line 26

“PRIOR PERIOD”

Raw XML Appendix172 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/BusinessNameLine1Txt0COMPANY
IRS990EZ/BooksInCareOfDetail/PhoneNum06239791200
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt07055 W BELL RD 12
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0GLENDALE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0AZ
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd085308
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt060069
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt021238
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt00
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-36017
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt03190
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0101732
IRS990EZ/Form990TotalAssetsGrp/EOYAmt062901
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt0110768
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt037
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0-77414
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-96913
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0-77414
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-96913
IRS990EZ/OccupancyRentUtltsAndMaintAmt043044
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt048000
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0CRAIG CLOVER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt041663
IRS990EZ/OtherAssetsTotalDetail/EOYAmt041663
IRS990EZ/OtherChangesInNetAssetsAmt016518
IRS990EZ/OtherExpensesTotalAmt032964
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Operation of a charitable thrift store by accepting community donations, eliminating the need to send goods to the local landfill.
IRS990EZ/ProgramServiceRevenueAmt0110731
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Providing items for minimal purchase by the less fortunate of society.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt067587
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0179146
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0159814
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0146785
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt0110768
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt074368
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0124137
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0142216
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0340721
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0340721
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt074368
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0124137
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0142216
IRS990ScheduleA/Total509Grp/TotalAmt0340721
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0340721
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0COST OF GOODS 1956.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ADVERTISING 180.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AUTO 4555.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPUTER AND INTERNET 1218.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EQUIPMENT RENT 82.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INSURANCE 4788.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OFFICE 568.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7PAYROLL TAXES 11100.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8SUPPLIES 1343.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9TELEPHONE 513.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10UTILITIES 6661.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11ASSET PURCHASE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12VEHICLE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13LOAN CLOVER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14PAYROLL TAXES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15PRIOR PERIOD
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990EZ, Part II, Line 26
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CRAIG CLOVER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06238150081
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-05-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PENNY-WISE CHARITIES SOUTHWEST INC
ReturnHeader/Filer/BusinessNameControlTxt0PENN
ReturnHeader/Filer/EIN0471671164
ReturnHeader/Filer/PhoneNum06238150081
ReturnHeader/Filer/USAddress/AddressLine1Txt010050 W BELL RD
ReturnHeader/Filer/USAddress/CityNm0SUN CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AZ
ReturnHeader/Filer/USAddress/ZIPCd085351
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0860810998
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Steven O Jay CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07055 West Bell Road Suite 12
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Glendale
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0AZ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd085308
ReturnHeader/PreparerPersonGrp/PhoneNum06239791200
ReturnHeader/PreparerPersonGrp/PreparationDt02023-05-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Steven O Jay
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02023-05-08T10:56:17-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0CRAIG
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0CLOVER
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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