Civic Intelligence

Butterfly Financial Education

EIN 47-3698508 • 501(c)3 • Calabash, NC

Pub. 78 Eligible990-N CoverageNTEE P51

Profile

Educate the public on consumer credit and personal finance.

335 Auburn Lane NWCalabash, NC 28467

www.butterflyfe.com

Siviq Scores

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

Liabilities / Assets

71st percentile

0.03x

Higher debt load relative to assets than 71% of similar nonprofits.

NTEE P • <$500k nonprofits • Source year 2025

Liabilities / Revenue

71st percentile

0.01x

Higher debt load relative to revenue than 71% of similar nonprofits.

NTEE P • <$500k nonprofits • Source year 2025

Net Margin

57th percentile

11%

Higher net margin than 57% of similar nonprofits.

NTEE P • <$500k nonprofits • Source year 2025

Top Officer Pay

97th percentile

$68,461

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 23.9% of source-year revenue.

NTEE P • <$500k nonprofits • Source year 2025

Asset Growth

75th percentile

36%

Faster asset growth than 75% of similar nonprofits.

NTEE P • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

61st percentile

13%

Faster revenue growth than 61% of similar nonprofits.

NTEE P • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$116,939

Up $31,149 (+36%) from 2024

Liabilities

Down

$2,975

Down $245 (-7.6%) from 2024

Net Assets

Up

$113,964

Up $31,394 (+38%) from 2024

Operations
Liabilities / Revenue71st percentileNet Margin57th percentile

Revenue

Up

$286,172

Up $32,251 (+13%) from 2024

Expenses

Up

$254,778

Up $11,946 (+4.9%) from 2024

Net Income

Up

$31,394

Up $20,305 (+183%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth75th percentile

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

$150K$100K$50K$0Assets 2016: $12,175Liabilities 2016: $3,7062016Assets 2017: $6,222Liabilities 2017: $2,5582017Assets 2018: $7,865Liabilities 2018: $2,0952018Assets 2019: $7,847Liabilities 2019: $2,6302019Assets 2020: $13,999Liabilities 2020: $2,8702020Assets 2021: $17,189Liabilities 2021: $2,862Net Assets 2021: $14,3272021Assets 2022: $40,203Liabilities 2022: $2,349Net Assets 2022: $37,8542022Assets 2023: $73,777Liabilities 2023: $2,296Net Assets 2023: $71,4812023Assets 2024: $85,790Liabilities 2024: $3,220Net Assets 2024: $82,5702024Assets 2025: $116,939Liabilities 2025: $2,975Net Assets 2025: $113,9642025

Highlighted filing

2025

Assets$116,939
Liabilities$2,975
Net Assets$113,964
Open 2025 Filing

Operations Trend

Revenue Growth61st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300K$200K$100K$0-$100KRevenue 2016: $71,065Expenses 2016: $59,384Net Income 2016: $11,6812016Revenue 2017: $110,388Expenses 2017: $115,193Net Income 2017: -$4,8052017Revenue 2018: $120,304Expenses 2018: $118,198Net Income 2018: $2,1062018Revenue 2019: $142,921Expenses 2019: $143,474Net Income 2019: -$5532019Revenue 2020: $157,205Expenses 2020: $151,293Net Income 2020: $5,9122020Revenue 2021: $159,414Expenses 2021: $156,216Net Income 2021: $3,1982021Revenue 2022: $183,051Expenses 2022: $159,524Net Income 2022: $23,5272022Revenue 2023: $211,790Expenses 2023: $178,163Net Income 2023: $33,6272023Revenue 2024: $253,921Expenses 2024: $242,832Net Income 2024: $11,0892024Revenue 2025: $286,172Expenses 2025: $254,778Net Income 2025: $31,3942025

Highlighted filing

2025

Revenue$286,172
Expenses$254,778
Net Income$31,394
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$116,939
Liabilities
$2,975
Net assets
$113,964
Revenue
$286,172
Expenses
$254,778
Net income
$31,394
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.17$0.03$1.14$2.86$2.55$0.31
2024Detailed filing. Detailed filing data is available for this year.$0.86$0.03$0.83$2.54$2.43$0.11
2023Detailed filing. Detailed filing data is available for this year.$0.74$0.02$0.71$2.12$1.78$0.34
2022Detailed filing. Detailed filing data is available for this year.$0.40$0.02$0.38$1.83$1.60$0.24
2021Detailed filing. Detailed filing data is available for this year.$0.17$0.03$0.14$1.59$1.56$0.03
2020Summary only. Only limited summary data is available for this year.$0.14$0.03$1.57$1.51$0.06
2019Summary only. Only limited summary data is available for this year.$0.08$0.03$1.43$1.43$0.01
2018Summary only. Only limited summary data is available for this year.$0.08$0.02$1.20$1.18$0.02
2017Summary only. Only limited summary data is available for this year.$0.06$0.03$1.10$1.15$0.05
2016Summary only. Only limited summary data is available for this year.$0.12$0.04$0.71$0.59$0.12
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 30, 2026
Return Version
2025v4.0
Gross Receipts
$286,172
Mission and Program Overview

Mission

Educate the public on consumer credit and personal finance.

EDUCATE THE PUBLIC ON CONSUMER CREDIT AND PERSONAL FINANCE. In 2025, 12,659 people were served. $11,144 in fees were waived for low income individuals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$53,582$69,018▲ $15,436
Cash and Non-Interest-Bearing Accounts$31,620$42,329▲ $10,709
Accounts Receivable$588$5,592▲ $5,004
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Land, Buildings, and Equipment, Net$0--
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$85,790$116,939▲ $31,149
Other Assets Total$0$0→ $0
Liabilities
Accounts Payable and Accrued Expenses$3,220$2,975▼ $245
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$3,220$2,975▼ $245
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$82,570$113,964▲ $31,394
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$82,570$113,964▲ $31,394
Total Liabilities and Net Assets / Fund Balance$85,790$116,939▲ $31,149
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Janet SwopePresidentFT$58,461$10,000$68,461

Board Members and Trustees

NameTitle
Janet FoxVice President
Susan Benton CloverTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$286,110
Investment Income
$62
Other Revenue
$0
Change in Net Assets
$31,394
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$222,418
Other Expenses$32,360
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$99,385$17,538$0$116,923
Current Officers, Directors, Trustees, and Key Employees$49,692$8,769$0$58,461
Pension Plan Contributions$25,500$4,500$0$30,000
Payroll Taxes$11,737$2,071$0$13,808
Conferences and Meetings$10,232$0$0$10,232
Other Expenses$7,515$0$0$7,515
Information Technology$3,974$645$0$4,619
Other Employee Benefits$2,742$484$0$3,226
Fees for Services Accounting$0$2,190$0$2,190
Insurance$0$1,664$0$1,664
Office Expenses$1,064$136$0$1,200
Travel$858$0$0$858
Total Functional Expenses$216,781$37,997$0$254,778
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“All board members review the form 990 and schedules prior to filing”

Form 990, Part VI, Section B, Line 12C

“All board members have a duty to report any possible conflicts.”

Form 990, Part VI, Section B, Line 15

“Compensation is reviewed and approved by board members without conflicts (any interested party is excluded from the vote).”

Form 990, Part VI, Section C, Line 19

“Copies of the 1023 forms and 990 forms are provided to the requestor electronically.”

Filing and Contact Details

Filer

Filer Name
Butterfly Financial Education
EIN
47-3698508
Phone
8442892701
Address
335 AUBURN LANE NW, CALABASH, NC 28467

Signing Officer

Name
Janet Swope
Title
President
Phone
8442892701
Signed
2026-03-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Janet Swope
Formed
2015
Legal Domicile
Nc
Voting Board Members
3
Independent Board Members
3
Employees
3
Volunteers
0

Preparer

Firm
Susan Benton Clover
Address
548 Rick Road, Southampton, PA 18966
Preparer
Susan Clover
Phone
2158581485
Raw XML AppendixShowing 400 of 492 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.

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IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt00
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0484
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt02742
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03226
IRS990/OtherExpensesGrp/Desc0COMPUTER EQUIPMENT AND SOFTWARE
IRS990/OtherExpensesGrp/Desc1MERCHANT SERVICE FEES
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt04082
IRS990/OtherExpensesGrp/ProgramServicesAmt17515
IRS990/OtherExpensesGrp/TotalAmt04082
IRS990/OtherExpensesGrp/TotalAmt17515
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt017538
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt099385
IRS990/OtherSalariesAndWagesGrp/TotalAmt0116923
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt00
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt02071
IRS990/PayrollTaxesGrp/ProgramServicesAmt011737
IRS990/PayrollTaxesGrp/TotalAmt013808
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt04500
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt025500
IRS990/PensionPlanContributionsGrp/TotalAmt030000
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0JANET SWOPE
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0541990
IRS990/ProgramServiceRevenueGrp/Desc0PROGRAM SERVICE FEES
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0286110
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0286110
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt047
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt038775
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0253874
IRS990/PYRevenuesLessExpensesAmt011089
IRS990/PYSalariesCompEmpBnftPaidAmt0204057
IRS990/PYTotalExpensesAmt0242832
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0253921
IRS990/QuidProQuoContributionsInd00
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt031394
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0286172
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt053582
IRS990/SavingsAndTempCashInvstGrp/EOYAmt069018
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0286110
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0253874
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0211754
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0183034
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0159414
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01094186
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt062
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt047
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt036
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt017
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt0162
IRS990ScheduleA/InvestmentIncomeCYPct00.00015
IRS990ScheduleA/InvestmentIncomePYPct00.00011
IRS990ScheduleA/Post1975UBTIGrp/CurrentTaxYearAmt062
IRS990ScheduleA/Post1975UBTIGrp/CurrentTaxYearMinus1YearAmt047
IRS990ScheduleA/Post1975UBTIGrp/CurrentTaxYearMinus2YearsAmt036
IRS990ScheduleA/Post1975UBTIGrp/CurrentTaxYearMinus3YearsAmt017
IRS990ScheduleA/Post1975UBTIGrp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt0162
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.99985
IRS990ScheduleA/PublicSupportPY509Pct00.99989
IRS990ScheduleA/PublicSupportTotal509Amt01094186
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0286110
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0253874
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0211754
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0183034
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0159414
IRS990ScheduleA/Total509Grp/TotalAmt01094186
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0286172
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0253921
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0211790
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0183051
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0159414
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt01094348
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL BOARD MEMBERS REVIEW THE FORM 990 AND SCHEDULES PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL BOARD MEMBERS HAVE A DUTY TO REPORT ANY POSSIBLE CONFLICTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Compensation is reviewed and approved by board members without conflicts (any interested party is excluded from the vote).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COPIES OF THE 1023 FORMS AND 990 FORMS ARE PROVIDED TO THE REQUESTOR ELECTRONICALLY.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00

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