Civic Intelligence

Love Makes Cent Inc.

990EZ • Fiscal year 2023 • EIN 47-1819140

Jan 01, 2023 to Dec 31, 2023 • Filed on Oct 29, 2024

Organization Profilewww.natcocu.org/natco-community-empowerment-center
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.

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

Liabilities / Revenue

59th percentile

0.00x

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

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

Net Margin

20th percentile

-18%

Higher net margin than 20% of similar nonprofits.

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

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.

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

Asset Growth

15th percentile

-35%

Faster asset growth than 15% of similar nonprofits.

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

Revenue Growth

29th percentile

-14%

Faster revenue growth than 29% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$40,019

Down $21,520 (-35%) from 2022

Net Assets

Down

$40,019

Down $21,520 (-35%) from 2022

Liabilities

Flat

$0

Flat from 2022

Revenue And Expenses
Liabilities / Revenue59th percentileNet Margin20th percentile

Revenue

Down

$61,672

Down $10,078 (-14%) from 2022

Expenses

Up

$72,962

Up $30,018 (+70%) from 2022

Net Income

Down

-$11,290

Down $40,096 (-139%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth15th 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

2023

Assets$40,019
Liabilities$0
Net Assets$40,019
Open 2023 Filing

Operations Trend

Revenue Growth29th 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

2023

Revenue$61,672
Expenses$72,962
Net Income-$11,290
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Oct 29, 2024
Return Version
2023v5.1
Gross Receipts
$61,672
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.

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

Program Services

DescriptionGrantsExpenses
PROVIDE SPECIALIZED PROGRAMS SUCH AS INDIVIDUAL DEVELOPMENT ACCOUNTS, FINANCIAL COUNSELINGIN THE PUBLIC SCHOOLS AND ABROAD, RESOURCE ASSISTANCE TO ELIMINATE BARRIERS SUCH AS OBTIANING A SAFE LIVING, BUDGETING ASSITANCE, CREDIT REPAIR ASSISTANCE AND MORE$43,795$53,803
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
CYNTHIA DUKEPresident-$0--
SHERRY DILLONTreasurerPT$0--
LINDA SHERROWSecretary-$0--
PAM PEARSONMember-$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
2024-10-29
Discuss with paid preparer
Yes

Preparer

Firm
Fennimore & Associates PC
Address
117 S 7th Street, Richmond, IN 47374
Preparer
Ann J Fennimore CPA
Phone
7659624906
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 16

“Educational expenses 2810.”

Form 990EZ, Part I, Line 16

“Operational expenses 6581.”

Form 990EZ, Part I, Line 16

“PROGRAM EXPENSES 18810.”

Form 990EZ, Part I, Line 20

“Unreported prior year in-kind payroll expenses -10230.”

Form 990EZ, Part II, Line 24

“Prepaid asset - penalties 0. 1910.”

Raw XML Appendix179 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/PersonNm0SHERRY DILLION
IRS990EZ/BooksInCareOfDetail/PhoneNum07659834766
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01627 E MAIN STREET
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0RICHMOND
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IN
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd047374
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt061539
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt038109
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt059871
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-11290
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt019159
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt061539
IRS990EZ/Form990TotalAssetsGrp/EOYAmt040019
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt061672
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt091
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt061539
IRS990EZ/NetAssetsOrFundBalancesEOYAmt040019
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt061539
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt040019
IRS990EZ/OccupancyRentUtltsAndMaintAmt014277
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/TitleTxt3MEMBER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt01910
IRS990EZ/OtherChangesInNetAssetsAmt0-10230
IRS990EZ/OtherExpensesTotalAmt028201
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
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 OBTIANING A SAFE LIVING SITUATION, BUDGETING ASSITANCE, CREDIT REPAIR ASSISTANCE AND MORE.
IRS990EZ/PrintingPublicationsPostageAmt011325
IRS990EZ/ProgramServiceRevenueAmt01710
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0PROVIDE SPECIALIZED PROGRAMS SUCH AS INDIVIDUAL DEVELOPMENT ACCOUNTS, FINANCIAL COUNSELINGIN THE PUBLIC SCHOOLS AND ABROAD, RESOURCE ASSISTANCE TO ELIMINATE BARRIERS SUCH AS OBTIANING A SAFE LIVING, BUDGETING ASSITANCE, CREDIT REPAIR ASSISTANCE AND MORE
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt043795
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt053803
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt072962
IRS990EZ/TotalProgramServiceExpensesAmt053803
IRS990EZ/TotalRevenueAmt061672
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0www.natcocu.org/natco-community-empowerment-center/
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0Other Income Part II, Line 10 Description: OTHER 2022: 55.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0Pt II Ln 10
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt059871
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt052934
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt036027
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt022926
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt021648
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0193406
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt091
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt056
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt039
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt017
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt017
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0220
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt055
IRS990ScheduleA/OtherIncome170Grp/TotalAmt055
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99860
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportPY170Pct00.99850
IRS990ScheduleA/PublicSupportTotal170Amt0193406
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt059871
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt052934
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt036027
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt022926
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt021648
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0193406
IRS990ScheduleA/TotalSupportAmt0193681
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
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/ExplanationTxt0EDUCATIONAL EXPENSES 2810.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1OPERATIONAL EXPENSES 6581.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PROGRAM EXPENSES 18810.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3UNREPORTED PRIOR YEAR IN-KIND PAYROLL EXPENSES -10230.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PREPAID ASSET - PENALTIES 0. 1910.
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 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part II, Line 24
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SHERRY DILLON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07659834766
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-10-29
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/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0351814354
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Fennimore & Associates PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0117 S 7th Street
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Richmond
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd047374
ReturnHeader/PreparerPersonGrp/PhoneNum07659624906
ReturnHeader/PreparerPersonGrp/PreparationDt02024-11-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Ann J Fennimore CPA
ReturnHeader/ReturnTs02024-11-01T11:51:16-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2023 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$40,019
Liabilities
$0
Net assets
$40,019
Revenue
$61,672
Expenses
$72,962
Net income
-$11,290
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