Civic Intelligence

Love Makes Cent Inc.

990EZ • Fiscal year 2021 • EIN 47-1819140

Jan 01, 2021 to Dec 31, 2021 • Filed on Oct 25, 2022

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

56th percentile

0.00x

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

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Liabilities / Revenue

56th percentile

0.00x

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

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Net Margin

62nd percentile

18%

Higher net margin than 62% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Asset Growth

69th percentile

24%

Faster asset growth than 69% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Annualized from 2020 to 2021

Revenue Growth

77th percentile

58%

Faster revenue growth than 77% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$32,733

Up $6,366 (+24%) from 2020

Net Assets

Up

$32,733

Up $6,366 (+24%) from 2020

Liabilities

Flat

$0

Flat from 2020

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin62nd percentile

Revenue

Up

$36,066

Up $13,224 (+58%) from 2020

Expenses

Up

$29,700

Up $20,230 (+214%) from 2020

Net Income

Down

$6,366

Down $7,006 (-52%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth69th 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

2021

Assets$32,733
Liabilities$0
Net Assets$32,733
Open 2021 Filing

Operations Trend

Revenue Growth77th 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

2021

Revenue$36,066
Expenses$29,700
Net Income$6,366
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Oct 25, 2022
Return Version
2021v4.2
Gross Receipts
$36,066
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 Pay77th 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
2022-10-25
Discuss with paid preparer
Yes

Preparer

Firm
Whitinger & Company LLC
Address
1100 W WHITE RIVER BLVD, MUNCIE, IN 47303-3776
Preparer
Terry D Brumley CPA
Phone
7652843384
Supplemental Narrative

Additional Explanations

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

“Description: interest. Amount: 39.”

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

“Description: operational expenses. Amount: 1,538. Description: educational expenses-training. Amount: 681. Description: program expenses. Amount: 10,735. Description: ida disbursement. Amount: 2,400. Total to form 990-ez, line 16: 15,354.”

Raw XML Appendix153 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/BOYAmt026367
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt032733
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt036027
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt06366
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01657
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt026367
IRS990EZ/Form990TotalAssetsGrp/EOYAmt032733
IRS990EZ/GrossReceiptsAmt036066
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InvestmentIncomeAmt039
IRS990EZ/LobbyingActivitiesInd00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt026367
IRS990EZ/NetAssetsOrFundBalancesEOYAmt032733
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt026367
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt032733
IRS990EZ/OccupancyRentUtltsAndMaintAmt09130
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/OtherExpensesTotalAmt015354
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/PrintingPublicationsPostageAmt03559
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/ScheduleBNotRequiredInd0X
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/TotalExpensesAmt029700
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt036066
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.NATCOCU.ORG/TC-NCEC
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt036027
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt022926
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt021648
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt041656
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt056433
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0178690
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt039
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt017
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt017
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt083
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0156
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99910
IRS990ScheduleA/PublicSupportPY170Pct00.99940
IRS990ScheduleA/PublicSupportTotal170Amt0178690
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt036027
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt022926
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt021648
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt041656
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt056433
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0178690
IRS990ScheduleA/TotalSupportAmt0178846
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST. AMOUNT: 39.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: OPERATIONAL EXPENSES. AMOUNT: 1,538. DESCRIPTION: EDUCATIONAL EXPENSES-TRAINING. AMOUNT: 681. DESCRIPTION: PROGRAM EXPENSES. AMOUNT: 10,735. DESCRIPTION: IDA DISBURSEMENT. AMOUNT: 2,400. TOTAL TO FORM 990-EZ, LINE 16: 15,354.
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/SignatureDt02022-10-25
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/PreparationDt02022-10-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TERRY D BRUMLEY CPA
ReturnHeader/ReturnTs02022-11-03T08:56:49-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0SHERRY
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0DILLON
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$32,733
Liabilities
$0
Net assets
$32,733
Revenue
$36,066
Expenses
$29,700
Net income
$6,366
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