Civic Intelligence

Love Makes Cents Inc

EIN 47-1819140 • 501(c)3 • Richmond, IN

Profile

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.

1627 E Main StreetRichmond, IN 47374

www.natcocu.org/natco-community-empowerment-center

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2024

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2024

Net Margin

68th percentile

14%

Higher net margin than 68% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

84th percentile

$0

Higher top officer pay than 84% of similar nonprofits.

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

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

41st percentile

-7.8%

Faster asset growth than 41% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2024

Revenue Growth

66th percentile

13%

Faster revenue growth than 66% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Up

$52,369

Up $12,350 (+31%) from 2023

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Up

$52,369

Up $12,350 (+31%) from 2023

Operations
Liabilities / RevenueScore unavailableNet Margin68th percentile

Revenue

Up

$90,953

Up $29,281 (+47%) from 2023

Expenses

Up

$78,603

Up $5,641 (+7.7%) from 2023

Net Income

Up

$12,350

Up $23,640 (+209%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth41st percentile

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

$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

2024

Assets$52,369
Liabilities-
Net Assets$52,369
Open 2024 Filing

Operations Trend

Revenue Growth66th percentile

Revenue, expenses, and net income by year, with the latest 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

2024

Revenue$90,953
Expenses$78,603
Net Income$12,350
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$52,369
Liabilities
-
Net assets
$52,369
Revenue
$90,953
Expenses
$78,603
Net income
$12,350
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
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 20, 2025
Return Version
2024v5.2
Gross Receipts
$90,953
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

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$79,215$74,899
Compensation and Service Providers
Top Officer Pay84th 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
2025-08-20
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 2271.”

Form 990EZ, Part I, Line 16

“Operational expenses 8412.”

Form 990EZ, Part I, Line 16

“PROGRAM EXPENSES 51266.”

Form 990EZ, Part II, Line 24

“Prepaid asset - penalties 1910.”

Raw XML Appendix175 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
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IRS990EZ/BooksInCareOfDetail/PhoneNum07659834766
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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0RICHMOND
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IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingCashInd0X
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
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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/BOYAmt01910
IRS990EZ/OtherExpensesTotalAmt061949
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
IRS990EZ/PrintingPublicationsPostageAmt03899
IRS990EZ/ProgramServiceRevenueAmt0615
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/GrantsAndAllocationsAmt079215
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt074899
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
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IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt078603
IRS990EZ/TotalProgramServiceExpensesAmt074899
IRS990EZ/TotalRevenueAmt090953
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.
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt090204
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt036027
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt022926
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0261962
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IRS990ScheduleA/PublicSupportCY170Pct00.99850
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IRS990ScheduleA/SubstantialContributorsTotAmt00
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IRS990ScheduleA/TotalSupportAmt0262354
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 2271.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1OPERATIONAL EXPENSES 8412.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PROGRAM EXPENSES 51266.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PREPAID ASSET - PENALTIES 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 II, Line 24
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SHERRY DILLON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07659834766
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-20
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
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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/PreparationDt02025-08-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Ann J Fennimore CPA
ReturnHeader/ReturnTs02025-08-22T08:37:58-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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