Civic Intelligence

Love Makes Cent Inc.

990EZ • Fiscal year 2020 • EIN 47-1819140

Jan 01, 2020 to Dec 31, 2020 • Filed on May 21, 2021

Organization ProfileWWW.NATCOCU.ORG/TC-NCEC
1627 E Main StreetRichmond, IN 47374

(765) 983-4766

Siviq Scores

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

Liabilities / Assets

55th percentile

0.00x

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

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Liabilities / Revenue

55th percentile

0.00x

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

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Net Margin

91st percentile

59%

Higher net margin than 91% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

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.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Asset Growth

88th percentile

103%

Faster asset growth than 88% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Revenue Growth

69th percentile

5.4%

Faster revenue growth than 69% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$26,367

Up $13,372 (+103%) from 2019

Net Assets

$26,367

No earlier filing loaded for comparison.

Liabilities

Flat

$0

Flat from 2019

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin91st percentile

Revenue

Up

$22,842

Up $1,177 (+5.4%) from 2019

Expenses

Down

$9,470

Down $24,648 (-72%) from 2019

Net Income

Up

$13,372

Up $25,825 (+207%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth88th percentile

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

$80K$60K$40K$20K$0Assets 2016: $56,663Liabilities 2016: $0Net Assets 2016: $56,6632016Assets 2017: $50,382Liabilities 2017: $02017Assets 2018: $25,448Liabilities 2018: $02018Assets 2019: $12,995Liabilities 2019: $02019Assets 2020: $26,367Liabilities 2020: $0Net Assets 2020: $26,3672020Assets 2021: $32,733Liabilities 2021: $0Net Assets 2021: $32,7332021Assets 2022: $61,539Liabilities 2022: $0Net Assets 2022: $61,5392022Assets 2023: $40,019Liabilities 2023: $0Net Assets 2023: $40,0192023Assets 2024: $52,369Net Assets 2024: $52,3692024

Highlighted filing

2020

Assets$26,367
Liabilities$0
Net Assets$26,367
Open 2020 Filing

Operations Trend

Revenue Growth69th percentile

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

$100K$50K$0-$50KRevenue 2016: $57,578Expenses 2016: $920Net Income 2016: $56,6582016Revenue 2017: $56,433Expenses 2017: $62,714Net Income 2017: -$6,2812017Revenue 2018: $41,739Expenses 2018: $66,673Net Income 2018: -$24,9342018Revenue 2019: $21,665Expenses 2019: $34,118Net Income 2019: -$12,4532019Revenue 2020: $22,842Expenses 2020: $9,470Net Income 2020: $13,3722020Revenue 2021: $36,066Expenses 2021: $29,700Net Income 2021: $6,3662021Revenue 2022: $71,750Expenses 2022: $42,944Net Income 2022: $28,8062022Revenue 2023: $61,672Expenses 2023: $72,962Net Income 2023: -$11,2902023Revenue 2024: $90,953Expenses 2024: $78,603Net Income 2024: $12,3502024

Highlighted filing

2020

Revenue$22,842
Expenses$9,470
Net Income$13,372
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 21, 2021
Return Version
2020v4.1
Gross Receipts
$22,842
Mission and Program Overview

Mission

To provide specialized programs such as individual development accounts, financial counseling in the public schools and abroad, resource assistance to eliminate barriers such as obtaining a safe living situation, budgeting assistance, credit repair assistance and more.

Program Services

DescriptionGrantsExpenses
PROVIDE SPECIALIZED PROGRAMS SUCH AS INDIVIDUAL DEVELOPMENT ACCOUNTS, FINANCIAL COUNSELING IN THE PUBLIC SCHOOLS AND ABROAD, RESOURCE ASSISTANCE TO ELIMINATE BARRIERS SUCH AS OBTAINING A SAFE LIVING SITUATION, BUDGETING ASSISTANCE, CREDIT REPAIR ASSISTANCE AND MORE.$0$0
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
CYNTHIA DUKEPresident-$0--
SHERRY DILLONTreasurerPT$0--
LINDA SHERROWSecretary-$0--
PAM PEARSONDirector-$0--
Filing and Contact Details

Filer

Filer Name
Love Makes Cents Inc
EIN
47-1819140
Phone
7659834766
Address
1627 E MAIN STREET, RICHMOND, IN 47374

Signing Officer

Name
Sherry Dillon
Title
Treasurer
Phone
7659834766
Signed
2021-05-21
Discuss with paid preparer
Yes

Preparer

Firm
Whitinger & Company LLC
Address
1100 W WHITE RIVER BLVD, MUNCIE, IN 47303-3776
Preparer
Sara K Buckler CPA
Phone
7652843384
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 4 - Other Investment Income

“Description: interest. Amount: 16.”

Form 990-ez, Part I, Line 16 - Other Expenses

“Description: operational expenses. Amount: 902. Description: educational expenses-training. Amount: 188. Description: program expenses. Amount: 942. Description: business registration. Amount: 25. Total to form 990-ez, line 16: 2,057.”

Raw XML Appendix160 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/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BooksInCareOfDetail/PersonNm0SHERRY DILLON
IRS990EZ/BooksInCareOfDetail/PhoneNum07659834766
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01627 E MAIN ST
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0RICHMOND
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IN
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd047374
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt012995
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt026367
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt022826
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt013372
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt02162
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt012995
IRS990EZ/Form990TotalAssetsGrp/EOYAmt026367
IRS990EZ/GrossReceiptsAmt022842
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InvestmentIncomeAmt016
IRS990EZ/LobbyingActivitiesInd00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt012995
IRS990EZ/NetAssetsOrFundBalancesEOYAmt026367
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt012995
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt026367
IRS990EZ/OccupancyRentUtltsAndMaintAmt04741
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt03.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt15.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0CYNTHIA DUKE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1SHERRY DILLON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2LINDA SHERROW
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3PAM PEARSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt02057
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TO PROVIDE SPECIALIZED PROGRAMS SUCH AS INDIVIDUAL DEVELOPMENT ACCOUNTS, FINANCIAL COUNSELING IN THE PUBLIC SCHOOLS AND ABROAD, RESOURCE ASSISTANCE TO ELIMINATE BARRIERS SUCH AS OBTAINING A SAFE LIVING SITUATION, BUDGETING ASSISTANCE, CREDIT REPAIR ASSISTANCE AND MORE.
IRS990EZ/PrintingPublicationsPostageAmt0510
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0PROVIDE SPECIALIZED PROGRAMS SUCH AS INDIVIDUAL DEVELOPMENT ACCOUNTS, FINANCIAL COUNSELING IN THE PUBLIC SCHOOLS AND ABROAD, RESOURCE ASSISTANCE TO ELIMINATE BARRIERS SUCH AS OBTAINING A SAFE LIVING SITUATION, BUDGETING ASSISTANCE, CREDIT REPAIR ASSISTANCE AND MORE.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SchoolOperatingInd00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0IN
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt09470
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt022842
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.NATCOCU.ORG/TC-NCEC
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt022926
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt021648
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt041656
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt056433
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt057578
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0200241
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt017
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt017
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt083
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0117
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99940
IRS990ScheduleA/PublicSupportPY170Pct00.99940
IRS990ScheduleA/PublicSupportTotal170Amt0200241
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt022926
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt021648
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt041656
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt056433
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt057578
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0200241
IRS990ScheduleA/TotalSupportAmt0200358
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
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/ExplanationTxt0DESCRIPTION: INTEREST. AMOUNT: 16.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: OPERATIONAL EXPENSES. AMOUNT: 902. DESCRIPTION: EDUCATIONAL EXPENSES-TRAINING. AMOUNT: 188. DESCRIPTION: PROGRAM EXPENSES. AMOUNT: 942. DESCRIPTION: BUSINESS REGISTRATION. AMOUNT: 25. TOTAL TO FORM 990-EZ, LINE 16: 2,057.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SHERRY DILLON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07659834766
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-05-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LOVE MAKES CENTS INC
ReturnHeader/Filer/BusinessNameControlTxt0LOVE
ReturnHeader/Filer/EIN0471819140
ReturnHeader/Filer/PhoneNum07659834766
ReturnHeader/Filer/USAddress/AddressLine1Txt01627 E MAIN STREET
ReturnHeader/Filer/USAddress/CityNm0RICHMOND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IN
ReturnHeader/Filer/USAddress/ZIPCd047374
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0350905017
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WHITINGER & COMPANY LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01100 W WHITE RIVER BLVD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MUNCIE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0473033776
ReturnHeader/PreparerPersonGrp/PhoneNum07652843384
ReturnHeader/PreparerPersonGrp/PreparationDt02021-05-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SARA K BUCKLER CPA
ReturnHeader/ReturnTs02021-06-10T10:41:29-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0SHERRY
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0DILLON
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$26,367
Liabilities
$0
Net assets
$26,367
Revenue
$22,842
Expenses
$9,470
Net income
$13,372
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$52.4$52.4$91.0$78.6$12.4
2023Detailed filing. Detailed filing data is available for this year.$40.0$0.00$40.0$61.7$73.0$11.3
2022Detailed filing. Detailed filing data is available for this year.$61.5$0.00$61.5$71.8$42.9$28.8
2021Detailed filing. Detailed filing data is available for this year.$32.7$0.00$32.7$36.1$29.7$6.37
2020Detailed filing. Detailed filing data is available for this year.$26.4$0.00$26.4$22.8$9.47$13.4
2019Summary only. Only limited summary data is available for this year.$13.0$0.00$21.7$34.1$12.5
2018Summary only. Only limited summary data is available for this year.$25.4$0.00$41.7$66.7$24.9
2017Summary only. Only limited summary data is available for this year.$50.4$0.00$56.4$62.7$6.28
2016Detailed filing. Detailed filing data is available for this year.$56.7$0.00$56.7$57.6$0.92$56.7