Civic Intelligence

Love Makes Cent Inc.

990EZ • Fiscal year 2022 • EIN 47-1819140

Jan 01, 2022 to Dec 31, 2022 • Filed on May 08, 2023

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

58th percentile

0.00x

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

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Liabilities / Revenue

58th percentile

0.00x

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

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Net Margin

85th percentile

40%

Higher net margin than 85% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Top Officer Pay

78th percentile

$0

Higher top officer pay than 78% of similar nonprofits.

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

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Asset Growth

90th percentile

88%

Faster asset growth than 90% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

83rd percentile

99%

Faster revenue growth than 83% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$61,539

Up $28,806 (+88%) from 2021

Net Assets

Up

$61,539

Up $28,806 (+88%) from 2021

Liabilities

Flat

$0

Flat from 2021

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin85th percentile

Revenue

Up

$71,750

Up $35,684 (+99%) from 2021

Expenses

Up

$42,944

Up $13,244 (+45%) from 2021

Net Income

Up

$28,806

Up $22,440 (+352%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth90th 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

2022

Assets$61,539
Liabilities$0
Net Assets$61,539
Open 2022 Filing

Operations Trend

Revenue Growth83rd 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

2022

Revenue$71,750
Expenses$42,944
Net Income$28,806
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
May 8, 2023
Return Version
2022v5.0
Gross Receipts
$71,750
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 Pay78th 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
2023-05-08
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: 56.”

Form 990-ez, Part I, Line 8 - Other Revenue

“Description: ida match. Amount: 18,705. Description: other. Amount: 55. Total to form 990-ez, line 8: 18,760.”

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

“Description: operational expenses. Amount: 2,805. Description: educational expenses-training. Amount: 1,023. Description: program expenses. Amount: 5,749. Description: ida disbursement. Amount: 18,705. Description: office equipment. Amount: 863. Total to form 990-ez, line 16: 29,145.”

Raw XML Appendix167 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/BOYAmt032733
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt061539
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt052934
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt028806
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01408
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt032733
IRS990EZ/Form990TotalAssetsGrp/EOYAmt061539
IRS990EZ/GrossReceiptsAmt071750
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InvestmentIncomeAmt056
IRS990EZ/LobbyingActivitiesInd00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt032733
IRS990EZ/NetAssetsOrFundBalancesEOYAmt061539
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt032733
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt061539
IRS990EZ/OccupancyRentUtltsAndMaintAmt07722
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/OtherExpensesTotalAmt029145
IRS990EZ/OtherRevenueTotalAmt018760
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/PrintingPublicationsPostageAmt04669
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/TotalExpensesAmt042944
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt071750
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.NATCOCU.ORG/TC-NCEC
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt052934
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt036027
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt022926
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt021648
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt041656
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0175191
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt056
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt039
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt017
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt017
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt083
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0212
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt055
IRS990ScheduleA/OtherIncome170Grp/TotalAmt055
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99850
IRS990ScheduleA/PublicSupportPY170Pct00.99910
IRS990ScheduleA/PublicSupportTotal170Amt0175191
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt052934
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt036027
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt022926
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt021648
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt041656
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0175191
IRS990ScheduleA/TotalSupportAmt0175458
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: 56.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: IDA MATCH. AMOUNT: 18,705. DESCRIPTION: OTHER. AMOUNT: 55. TOTAL TO FORM 990-EZ, LINE 8: 18,760.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DESCRIPTION: OPERATIONAL EXPENSES. AMOUNT: 2,805. DESCRIPTION: EDUCATIONAL EXPENSES-TRAINING. AMOUNT: 1,023. DESCRIPTION: PROGRAM EXPENSES. AMOUNT: 5,749. DESCRIPTION: IDA DISBURSEMENT. AMOUNT: 18,705. DESCRIPTION: OFFICE EQUIPMENT. AMOUNT: 863. TOTAL TO FORM 990-EZ, LINE 16: 29,145.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 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/TrustedCustomerCd02
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SHERRY DILLON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07659834766
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-05-08
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/IRSResponsiblePrtyInfoCurrInd00
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/PreparationDt02023-05-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TERRY D BRUMLEY CPA
ReturnHeader/ReturnTs02023-05-12T15:58:54-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0SHERRY
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0DILLON
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$61,539
Liabilities
$0
Net assets
$61,539
Revenue
$71,750
Expenses
$42,944
Net income
$28,806
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