Civic Intelligence

Flexible Finance Association

990EZ • Fiscal year 2018 • EIN 47-5393313

Jan 01, 2018 to Dec 31, 2018 • Filed on Jun 28, 2019

Organization ProfileN/A
100 Oceanside DriveNashville, TN 37204

(615) 944-0153

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

47th percentile

0.00x

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

2018 filings • 501(c)6 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

47th percentile

0.00x

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

2018 filings • 501(c)6 • <$500k nonprofits • Source year 2018

Net Margin

31st percentile

-4.9%

Higher net margin than 31% of similar nonprofits.

2018 filings • 501(c)6 • <$500k nonprofits • Source year 2018

Top Officer Pay

70th percentile

$0

Higher top officer pay than 70% of similar nonprofits.

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

2018 filings • 501(c)6 • <$500k nonprofits • Source year 2018

Asset Growth

26th percentile

-11%

Faster asset growth than 26% of similar nonprofits.

2018 filings • 501(c)6 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

69th percentile

10.0%

Faster revenue growth than 69% of similar nonprofits.

2018 filings • 501(c)6 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets47th percentile

Assets

Down

$53,946

Down $6,791 (-11%) from 2017

Net Assets

$53,946

No earlier filing loaded for comparison.

Liabilities

Flat

$0

Flat from 2017

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin31st percentile

Revenue

Up

$140,000

Up $12,713 (+10.0%) from 2017

Expenses

Up

$146,791

Up $50,870 (+53%) from 2017

Net Income

Down

-$6,791

Down $38,157 (-122%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth26th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2018

Assets$53,946
Liabilities$0
Net Assets$53,946
Open 2018 Filing

Operations Trend

Revenue Growth69th percentile

Revenue, expenses, and net income across loaded years, with this 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

2018

Revenue$140,000
Expenses$146,791
Net Income-$6,791
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jun 28, 2019
Return Version
2018v3.1
Gross Receipts
$140,000
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$146,791
Compensation and Service Providers
Top Officer Pay70th 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
2019-06-28
Discuss with paid preparer
Yes

Preparer

Firm
Kraft & Company PLLC
Address
114 29th Avenue South, Nashville, TN 37212
Preparer
Kenneth R Kraft
Phone
6152443991
Raw XML Appendix103 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/BOYAmt060737
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt053946
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt0140000
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-6791
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0146791
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt060737
IRS990EZ/Form990TotalAssetsGrp/EOYAmt053946
IRS990EZ/GrossReceiptsAmt0140000
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt060737
IRS990EZ/NetAssetsOrFundBalancesEOYAmt053946
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt060737
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt053946
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/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/ProgramServiceExpensesAmt0146791
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TotalExpensesAmt0146791
IRS990EZ/TotalProgramServiceExpensesAmt0146791
IRS990EZ/TotalRevenueAmt0140000
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
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/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CULLEN EARNEST
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SECRETARY
ReturnHeader/BusinessOfficerGrp/PhoneNum06159440153
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-06-28
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0DA39A3EE5E6B4B0D3255BFEF95601890AFD80709
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId085BDEBAEDB0271F53367FAE1BA849676B287EF42
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt050.76.170.141
ReturnHeader/FilingSecurityInformation/IPDt02019-06-28
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm014:39:00
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/PreparerPersonNm0Kenneth R Kraft
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02019-07-17T09:38:31-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$53,946
Liabilities
$0
Net assets
$53,946
Revenue
$140,000
Expenses
$146,791
Net income
-$6,791
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
2018Detailed filing. Detailed filing data is available for this year.$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