Civic Intelligence

Flexible Finance Association

EIN 47-5393313 • 501(c)6 • Nashville, TN

Profile

To advocate and market for its members, to encourage and support the financial services industry regulated by the state of tennessee.

100 Oceanside DriveNashville, TN 37204

n/A

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

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

501(c)6 • <$500k nonprofits • Source year 2022

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2022

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2022

Top Officer Pay

80th percentile

$0

Higher top officer pay than 80% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2022

Asset Growth

16th percentile

-35%

Faster asset growth than 16% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

Score unavailable

No value available

A valid growth rate could not be computed from the available filing history.

Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets49th percentile

Assets

Down

$0

Down $6,617 (-100%) from 2022

Liabilities

Flat

$0

Flat from 2022

Net Assets

Down

$0

Down $6,617 (-100%) from 2022

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

Flat

$0

Flat from 2022

Expenses

Down

$2,700

Down $840 (-24%) from 2022

Net Income

Up

-$2,700

Up $840 (+24%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth16th percentile

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

$80K$60K$40K$20K$0Assets 2016: $29,371Liabilities 2016: $02016Assets 2017: $60,737Liabilities 2017: $02017Assets 2018: $53,946Liabilities 2018: $0Net Assets 2018: $53,9462018Assets 2019: $74,140Liabilities 2019: $0Net Assets 2019: $74,1402019Assets 2020: $10,163Liabilities 2020: $0Net Assets 2020: $10,1632020Assets 2021: $10,157Liabilities 2021: $0Net Assets 2021: $10,1572021Assets 2022: $6,617Liabilities 2022: $0Net Assets 2022: $6,6172022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2023

Assets$0
Liabilities$0
Net Assets$0
Open 2023 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$200K$100K$0-$100KRevenue 2016: $82,305Expenses 2016: $52,934Net Income 2016: $29,3712016Revenue 2017: $127,287Expenses 2017: $95,921Net Income 2017: $31,3662017Revenue 2018: $140,000Expenses 2018: $146,791Net Income 2018: -$6,7912018Revenue 2019: $120,000Expenses 2019: $99,806Net Income 2019: $20,1942019Revenue 2020: $30,000Expenses 2020: $93,977Net Income 2020: -$63,9772020Revenue 2021: $0Expenses 2021: $6Net Income 2021: -$62021Revenue 2022: $0Expenses 2022: $3,540Net Income 2022: -$3,5402022Revenue 2023: $0Expenses 2023: $2,700Net Income 2023: -$2,7002023

Highlighted filing

2023

Revenue$0
Expenses$2,700
Net Income-$2,700
Open 2023 Filing

Filings

Most recent year

2023 • Form 990EZXML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$0
Expenses
$2,700
Net income
-$2,700
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.00$0.03$0.03
2022Detailed filing. Detailed filing data is available for this year.$0.07$0.00$0.07$0.00$0.04$0.04
2021Detailed filing. Detailed filing data is available for this year.$0.10$0.00$0.10$0.00$0.00$0.00
2020Detailed filing. Detailed filing data is available for this year.$0.10$0.00$0.10$0.30$0.94$0.64
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.74$0.00$0.74$1.20$1.00$0.20
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.54$0.00$0.54$1.40$1.47$0.07
2017Summary only. Only limited summary data is available for this year.$0.61$0.00$1.27$0.96$0.31
2016Summary only. Only limited summary data is available for this year.$0.29$0.00$0.82$0.53$0.29
Latest Detailed Filing

The latest 2023 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 14, 2023
Return Version
2022v5.0
Gross Receipts
$0
Mission and Program Overview

Mission

To advocate and market for its members, to encourage and support the financial services industry regulated by the state of tennessee.

Program Services

DescriptionGrantsExpenses
COORDINATION OF MEMBER EFFORTS TO SUPPORT POLITICAL CAMPAIGNS AFFECTING THE FINANCIAL SERVICES INDUSTRY$0$0
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
CULLEN EARNESTDirector-$0--
MATTHEW KINGDirector-$0--
MICHAEL HODGESDirector-$0--
Filing and Contact Details

Filer

Filer Name
Flexible Finance Association
EIN
47-5393313
Phone
6159440153
Address
100 Oceanside Drive, Nashville, TN 37204

Signing Officer

Name
Cullen Earnest
Title
Secretary
Phone
6159440153
Signed
2023-11-14
Discuss with paid preparer
Yes

Preparer

Firm
Kraft & Company PLLC
Address
114 29th Avenue South, Nashville, TN 37212
Preparer
Joy Bray
Phone
6152443991
Supplemental Narrative

Additional Explanations

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

“Description: BANK FEES. Amount: 30.”

Raw XML Appendix105 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/PersonNm0CULLEN EARNEST
IRS990EZ/BooksInCareOfDetail/PhoneNum06159440153
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0100 OCEANSIDE DRIVE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0NASHVILLE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd037204
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt010157
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt06617
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-3540
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt03510
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt010157
IRS990EZ/Form990TotalAssetsGrp/EOYAmt06617
IRS990EZ/GrossReceiptsAmt00
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt010157
IRS990EZ/NetAssetsOrFundBalancesEOYAmt06617
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt010157
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt06617
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt20.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0CULLEN EARNEST
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1MATTHEW KING
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2MICHAEL HODGES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt030
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TO ADVOCATE AND MARKET FOR ITS MEMBERS, TO ENCOURAGE AND SUPPORT THE FINANCIAL SERVICES INDUSTRY REGULATED BY THE STATE OF TENNESSEE.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0COORDINATION OF MEMBER EFFORTS TO SUPPORT POLITICAL CAMPAIGNS AFFECTING THE FINANCIAL SERVICES INDUSTRY
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TotalExpensesAmt03540
IRS990EZ/TotalRevenueAmt00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Description: BANK FEES. Amount: 30.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 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/PersonNm0CULLEN EARNEST
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SECRETARY
ReturnHeader/BusinessOfficerGrp/PhoneNum06159440153
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Flexible Finance Association
ReturnHeader/Filer/BusinessNameControlTxt0FLEX
ReturnHeader/Filer/EIN0475393313
ReturnHeader/Filer/PhoneNum06159440153
ReturnHeader/Filer/USAddress/AddressLine1Txt0100 Oceanside Drive
ReturnHeader/Filer/USAddress/CityNm0Nashville
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037204
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0621002003
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Kraft & Company PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0114 29th Avenue South
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Nashville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd037212
ReturnHeader/PreparerPersonGrp/PhoneNum06152443991
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Joy Bray
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02023-11-15T12:20:28-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0CULLEN
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0EARNEST
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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