Liabilities / Assets
31st percentile
Higher debt load relative to assets than 31% of similar nonprofits.
Clearpoint Financial Solutions Inc
990 • Fiscal year 2012 • EIN 54-1125309
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.10x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
38th percentile
Faster asset growth than 38% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Down$24,889,069
Down $119,617 (-0.5%) from 2011
Net Assets
Up$22,433,504
Up $28,355 (+0.1%) from 2011
Liabilities
Down$2,455,565
Down $147,972 (-5.7%) from 2011
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Up$20,062,445
Up $1,759,468 (+9.6%) from 2011
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2012 to Dec 31, 2012
- Signed
- May 8, 2013
- Return Version
- 2012v2.1
- Gross Receipts
- $19,969,703
Mission and Program Overview
Mission
Provide clients individualized assistance with debt management, credit counseling and credit education programs. Conduct community presentations to provide community members with information on avoiding and solving financial problems.
Major Activities
- Activity 2
- Community presentations - clearpoint conducted nearly 1,100 presentations with over 17,500 attendees during 2012. In addition, clearpoint employees participated in over 4,500 community events. Reaching out to groups in the communities we serve, clearpoint helps clients identify and avoid potential financial problems and provides guidance on how best to handle these issues.
- Activity 3
- Bankruptcy counseling - as required by congress, clearpoint is authorized by the executive office of us trustees (eoust) to provide counseling to those seeking bankruptcy protection. Only those non-profit agencies which qualify and pass the rigorous standards of eoust are given this authority. During 2012, clearpoint provided over 3,500 bankruptcy counseling sessions.
Filing and Contact Details
Filer
- EIN
- 54-1125309
Raw XML AppendixShowing 400 of 697 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 |
|---|---|---|
| IRS990/AccountantCompileOrReview | 0 | 0 |
| IRS990/AccountsPayableAccruedExpenses/BOY | 0 | 1859111 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 1814529 |
| IRS990/AccountsReceivable/BOY | 0 | 20806 |
| IRS990/AccountsReceivable/EOY | 0 | 10018 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/Activity2/Description | 0 | COMMUNITY PRESENTATIONS - CLEARPOINT CONDUCTED NEARLY 1,100 PRESENTATIONS WITH OVER 17,500 ATTENDEES DURING 2012. IN ADDITION, CLEARPOINT EMPLOYEES PARTICIPATED IN OVER 4,500 COMMUNITY EVENTS. REACHING OUT TO GROUPS IN THE COMMUNITIES WE SERVE, CLEARPOINT HELPS CLIENTS IDENTIFY AND AVOID POTENTIAL FINANCIAL PROBLEMS AND PROVIDES GUIDANCE ON HOW BEST TO HANDLE THESE ISSUES. |
| IRS990/Activity2/Expense | 0 | 670000 |
| IRS990/Activity3/Description | 0 | BANKRUPTCY COUNSELING - AS REQUIRED BY CONGRESS, CLEARPOINT IS AUTHORIZED BY THE EXECUTIVE OFFICE OF US TRUSTEES (EOUST) TO PROVIDE COUNSELING TO THOSE SEEKING BANKRUPTCY PROTECTION. ONLY THOSE NON-PROFIT AGENCIES WHICH QUALIFY AND PASS THE RIGOROUS STANDARDS OF EOUST ARE GIVEN THIS AUTHORITY. DURING 2012, CLEARPOINT PROVIDED OVER 3,500 BANKRUPTCY COUNSELING SESSIONS. |
| IRS990/Activity3/Expense | 0 | 155000 |
| IRS990/ActivityOrMissionDescription | 0 | CLEARPOINT'S MISSION IS TO PROVIDE CONSUMER HEALTH THROUGH FINANCIAL EDUCATION. |
| IRS990/ActivityOther/Description | 0 | HOUSING COUNSELING - CLEARPOINT OFFERS HOUSING COUNSELING TO THOSE WHO WERE CONSIDERING PURCHASING HOMES, THOSE WHO WERE AT RISK OF LOSING THEIR EXISTING HOMES DUE TO FORECLOSURE, AND THOSE SEEKING REVERSE MORTGAGE LOANS. THESE COUNSELING SERVICES PROVIDE VALUABLE INFORMATION TO THOSE WHO SEEK GUIDANCE IN UNDERSTANDING THE MANY OPTIONS ASSOCIATED WITH PURCHASING OR KEEPING THEIR HOMES. DURING 2012, CLEARPOINT CONDUCTED NEARLY 18,000 HOUSING COUNSELING SESSIONS. |
| IRS990/ActivityOther/Description | 1 | BBBTIPS - CLEARPOINT MAINTAINS A STRONG, REPUTABLE AND POSITIVE RELATIONSHIP WITH THE BETTER BUSINESS BUREAU AND IS THE FIRST NONPROFIT ORGANIZATION TO QUALIFY FOR SYSTEM-WIDE MEMBERSHIP WITH BBB. DURING 2012, CLEARPOINT CONTINUED ITS SPONSORSHIP OF BBBTIPS ON CREDIT, A SERIES OF ARTICLES AND RADIO PUBLIC SERVICE ANNOUNCEMENTS WHICH CAN BE FOUND ON BBB'S WEBSITE. CLEARPOINT ALSO WORKED WITH THE BBB TO PRODUCE VIDEO CLIPS AS WELL AS SEGMENTS SPECIFICALLY AIMED AT COLLEGE STUDENTS, ON A RANGE OF TOPICS RELATED TO BUDGETING, CREDIT AND HOUSING. THESE CLIPS ARE NOW AVAILABLE AT WWW.US.BBB.ORG/FINANCIALTIPS OR WWW.CLEARPOINTCCS.ORG. |
| IRS990/ActivityOther/Description | 2 | EDUCATION INITIATIVES - CLEARPOINT IS HEAVILY FOCUSED ON PROVIDING QUALITY EDUCATIONAL MATERIALS AND TO MAKING THEM AS ACCESSIBLE AS POSSIBLE TO THOSE WHO CAN BENEFIT. THIS MATERIAL IS CREATED AND DISTRIBUTED VIA VARIOUS MEDIA INCLUDING PRINT, INTERNET, AND VERBAL COMMUNICATIONS. IN 2012, NEARLY 575,000 CONSUMERS VISITED CLEARPOINT WEBSITES FOR THE FIRST TIME, SPENDING AN AVERAGE OF FOUR MINUTES READING ARTICLES AND BLOGS, WATCHING VIDEO, OR USING ONLINE TOOLS AND CALCULATORS. IN ADDITION, CLEARPOINT PRINTED AND DISTRIBUTED OVER 147,000 EDUCATIONAL BROCHURES, BOOKLETS AND BUCSLIPS IN 2012 THROUGH COUNSELING SESSIONS, COMMUNITY EVENTS, WORKSHOPS AND OUTREACH. SINCE CLEARPOINT IS WIDELY CONSIDERED AN EXPERT IN THE INDUSTRY, STAFF MEMBERS ARE CONTINOUSLY CALLED UPON BY MEDIA TO CONDUCT INTERVIEWS ON VARIOUS TOPICS. DURING 2012, 1,100 TELEVISION, RADIO AND PRINT INTERVIEWS WERE CONDUCTED AND PUBLISHED, MANY OF WHICH WERE REPRODUCED ON THE INTERNET. |
| IRS990/ActivityOther/Expense | 0 | 5029302 |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 8000 FRANKLIN FARMS DR |
| IRS990/AddressPrincipalOfficerUS/City | 0 | RICHMOND |
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| IRS990/AllOtherExpenses/Total | 0 | 1193788 |
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| IRS990/CompCurrentOfficersDirectors/ManagementAndGeneral | 0 | 1281247 |
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| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine1 | 3 | 4701 COX ROAD |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine1 | 4 | 923 NORTH MEADOWS STREET |
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| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City | 3 | GLEN ALLEN |
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| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State | 4 | VA |
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| IRS990/ContractorCompensation/Compensation | 3 | 147861 |
| IRS990/ContractorCompensation/Compensation | 4 | 125127 |
| IRS990/ContractorCompensation/DescriptionOfServices | 0 | MARKETING |
| IRS990/ContractorCompensation/DescriptionOfServices | 1 | ADVERTISING |
| IRS990/ContractorCompensation/DescriptionOfServices | 2 | PRINTING |
| IRS990/ContractorCompensation/DescriptionOfServices | 3 | PHONE MAINTENANCE |
| IRS990/ContractorCompensation/DescriptionOfServices | 4 | SHIPPING |
| IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine1 | 0 | YPM INC |
| IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine1 | 1 | MEDIA CONNECTION |
| IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine1 | 2 | ANDERSON PRINTING COMPANY |
| IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine1 | 3 | TBL NETWORKS INC |
| IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine1 | 4 | MAILING SERVICES INC |
| IRS990/ContributionsGrantsCurrentYear | 0 | 4029844 |
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| IRS990/DepreciationDepletion/Total | 0 | 451186 |
| IRS990/DescribedIn501C3 | 0 | 1 |
| IRS990/Description | 0 | FINANCIAL COUNSELING - DURING 2012, CLEARPOINT, THROUGH ITS BRANCH NETWORK OF FINANCIAL SPECIALISTS, CONDUCTED 33,000 COUNSELING SESSIONS. THESE NO-COST COUNSELING SESSIONS WERE CONDUCTED IN PERSON, BY TELEPHONE, AND VIA THE INTERNET AND ARE OFFERED TO ANY PERSON IN NEED OF FINANCIAL ASSISTANCE. WHILE WE ARE CONSTANTLY ATTEMPTING TO IMPROVE OUR COUNSELING SERVICES, THE QUALITY OF THESE SESSIONS IS SUPPORTED BY A 98% CLIENT SATISFACTION RATE IN OUR CLIENT SURVEYS. |
| IRS990/DisregardedEntity | 0 | 0 |
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| IRS990/ElectionOfBoardMembers | 0 | 0 |
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| IRS990/EscrowAccountLiability/EOY | 0 | 111809 |
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| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 12 | 40.00 |
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| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 15 | 40.00 |
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| IRS990/Form990PartVIISectionA/NamePerson | 1 | CHARLES BRUEN |
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| IRS990/Form990PartVIISectionA/NamePerson | 6 | H STANLEY MUIR III |
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| IRS990/Form990PartVIISectionA/NamePerson | 14 | JAMES B CRAIG JR |
| IRS990/Form990PartVIISectionA/NamePerson | 15 | MARTHA LUCEY |
| IRS990/Form990PartVIISectionA/NamePerson | 16 | MARYANN STARK |
| IRS990/Form990PartVIISectionA/NamePerson | 17 | GEORGE R MERKLE |
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| IRS990/Form990PartVIISectionA/Title | 0 | DIRECTOR |
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| IRS990/Form990PartVIISectionA/Title | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 5 | SECRETARY |
| IRS990/Form990PartVIISectionA/Title | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 9 | TREASURER |
| IRS990/Form990PartVIISectionA/Title | 10 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionA/Title | 11 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionA/Title | 12 | SENIOR VICE PRESIDENT/CFO |
| IRS990/Form990PartVIISectionA/Title | 13 | FORMER PRESIDENT-ATLANTIC REGION |
| IRS990/Form990PartVIISectionA/Title | 14 | EXECUTIVE VICE PRESIDENT/COO |
| IRS990/Form990PartVIISectionA/Title | 15 | SENIOR VP/CHIEF EDUCATION OFFICER |
| IRS990/Form990PartVIISectionA/Title | 16 | FORMER PRESIDENT-NORTHEAST REGION |
| IRS990/Form990PartVIISectionA/Title | 17 | CHIEF INFORMATION OFFICER |
| IRS990/Form990PartVIISectionA/Title | 18 | VP EDUC., MARKETING & COMMUNICATIONS |
| IRS990/Form990ProvidedToGoverningBody | 0 | 1 |
| IRS990/FormersListed | 0 | 0 |
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| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InfoInScheduleOPartXI | 0 | X |
| IRS990/InfoInScheduleOPartXII | 0 | X |
| IRS990/Insurance/ManagementAndGeneral | 0 | 146602 |
| IRS990/Insurance/ProgramServices | 0 | 577 |
| IRS990/Insurance/Total | 0 | 147179 |
| IRS990/Interest/ManagementAndGeneral | 0 | 23418 |
| IRS990/Interest/Total | 0 | 23418 |
| IRS990/InvestmentIncomeCurrentYear | 0 | 1115431 |
| IRS990/InvestmentIncome/ExclusionAmount | 0 | 619964 |
| IRS990/InvestmentIncomePriorYear | 0 | 641314 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 619964 |
| IRS990/InvestmentInJointVenture | 0 | 0 |
| IRS990/InvestmentsPubTradedSecurities/BOY | 0 | 17216912 |
| IRS990/InvestmentsPubTradedSecurities/EOY | 0 | 19812750 |
| IRS990/LandBldgEquipmentAccumDeprec | 0 | 6391548 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 9219015 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 3001761 |
| IRS990/LandBuildingsEquipmentBasisNet/EOY | 0 | 2827467 |
| IRS990/LessCostOthBasisSalesExpenses/Securities | 0 | 0 |
| IRS990/LessRentalExpenses/Real | 0 | 43683 |
| IRS990/LoanToOfficerOrDQP | 0 | 0 |
| IRS990/LobbyingActivities | 0 | 0 |
| IRS990/LocalChapters | 0 | 0 |
| IRS990/MaterialDiversionOrMisuse | 0 | 0 |
| IRS990/MembersOrStockholders | 0 | 0 |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | 1 |
| IRS990/MinutesOfGoverningBody | 0 | 1 |
| IRS990/MissionDescription | 0 | PROVIDE CLIENTS INDIVIDUALIZED ASSISTANCE WITH DEBT MANAGEMENT, CREDIT COUNSELING AND CREDIT EDUCATION PROGRAMS. CONDUCT COMMUNITY PRESENTATIONS TO PROVIDE COMMUNITY MEMBERS WITH INFORMATION ON AVOIDING AND SOLVING FINANCIAL PROBLEMS. |
| IRS990/MoreThan5000KToIndividuals | 0 | 0 |
| IRS990/MoreThan5000KToOrganizations | 0 | 0 |
| IRS990/NameOfPrincipalOfficerPerson | 0 | CHRISTOPHER HONENBERGER |
| IRS990/NbrIndependentVotingMembers | 0 | 11 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 11 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 11 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 22405149 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 22433504 |
| IRS990/NetGainOrLossInvestments/ExclusionAmount | 0 | 495467 |
| IRS990/NetGainOrLossInvestments/TotalRevenueColumn | 0 | 495467 |
| IRS990/NetRentalIncomeOrLoss/ExclusionAmount | 0 | 76770 |
| IRS990/NetRentalIncomeOrLoss/TotalRevenueColumn | 0 | 76770 |
| IRS990/NetUnrelatedBusinessTxblIncome | 0 | 0 |
| IRS990/NonDeductibleContributions | 0 | 0 |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 59 |
| IRS990/NumberIndependentVotingMembers | 0 | 11 |
| IRS990/NumberIndividualsGT100K | 0 | 8 |
| IRS990/NumberOfContractorsGT100K | 0 | 7 |
| IRS990/NumberOfEmployees | 0 | 291 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/Occupancy/ManagementAndGeneral | 0 | 85970 |
| IRS990/Occupancy/ProgramServices | 0 | 855459 |
| IRS990/Occupancy/Total | 0 | 941429 |
| IRS990/OfficeExpenses/ManagementAndGeneral | 0 | 27571 |
| IRS990/OfficeExpenses/ProgramServices | 0 | 187915 |
| IRS990/OfficeExpenses/Total | 0 | 215486 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | 0 |
| IRS990/OfficerMailingAddress | 0 | 0 |
| IRS990/Organization501c3 | 0 | X |
| IRS990/OtherAssetsTotal/BOY | 0 | 137535 |
| IRS990/OtherAssetsTotal/EOY | 0 | 104007 |
| IRS990/OtherEmployeeBenefits/ManagementAndGeneral | 0 | 148327 |
| IRS990/OtherEmployeeBenefits/ProgramServices | 0 | 652241 |
| IRS990/OtherEmployeeBenefits/Total | 0 | 800568 |
| IRS990/OtherExpensePriorYear | 0 | 7671509 |
| IRS990/OtherExpensesCurrentYear | 0 | 9077219 |
| IRS990/OtherExpenses/Description | 0 | TELEPHONE |
| IRS990/OtherExpenses/Description | 1 | EDUCATION |
| IRS990/OtherExpenses/Description | 2 | DUES/SUBSCRIPTIONS |
| IRS990/OtherExpenses/Description | 3 | POSTAGE |
| IRS990/OtherExpenses/ManagementAndGeneral | 0 | 162320 |
| IRS990/OtherExpenses/ManagementAndGeneral | 1 | 85871 |
| IRS990/OtherExpenses/ManagementAndGeneral | 2 | 113930 |
| IRS990/OtherExpenses/ManagementAndGeneral | 3 | 7486 |
| IRS990/OtherExpenses/ProgramServices | 0 | 1130895 |
| IRS990/OtherExpenses/ProgramServices | 1 | 1056914 |
| IRS990/OtherExpenses/ProgramServices | 2 | 343757 |
| IRS990/OtherExpenses/ProgramServices | 3 | 318762 |
| IRS990/OtherExpenses/Total | 0 | 1293215 |
| IRS990/OtherExpenses/Total | 1 | 1142785 |
| IRS990/OtherExpenses/Total | 2 | 457687 |
| IRS990/OtherExpenses/Total | 3 | 326248 |
| IRS990/OtherLiabilities/BOY | 0 | 606685 |
| IRS990/OtherLiabilities/EOY | 0 | 529227 |
| IRS990/OtherRevenueCurrentYear | 0 | 88914 |
| IRS990/OtherRevenueMisc/BusinessCode | 0 | 900099 |
| IRS990/OtherRevenueMisc/Description | 0 | OTHER REVENUE |
| IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome | 0 | 12144 |
| IRS990/OtherRevenueMisc/TotalRevenueColumn | 0 | 12144 |
| IRS990/OtherRevenuePriorYear | 0 | 100639 |
| IRS990/OtherSalariesAndWages/ManagementAndGeneral | 0 | 873608 |
| IRS990/OtherSalariesAndWages/ProgramServices | 0 | 6842641 |
| IRS990/OtherSalariesAndWages/Total | 0 | 7716249 |
| IRS990/OtherWebsite | 0 | X |
| IRS990/PartialLiquidation | 0 | 0 |
| IRS990/PayrollTaxes/ManagementAndGeneral | 0 | 141723 |
| IRS990/PayrollTaxes/ProgramServices | 0 | 600390 |
| IRS990/PayrollTaxes/Total | 0 | 742113 |
| IRS990/PensionPlanContributions/ManagementAndGeneral | 0 | 123571 |
| IRS990/PensionPlanContributions/ProgramServices | 0 | 321478 |
| IRS990/PensionPlanContributions/Total | 0 | 445049 |
| IRS990/PledgesAndGrantsReceivable/BOY | 0 | 1310280 |
| IRS990/PledgesAndGrantsReceivable/EOY | 0 | 419820 |
| IRS990/PoliticalActivities | 0 | 0 |
| IRS990/PremiumsPaid | 0 | 0 |
| IRS990/PrepaidExpensesDeferredCharges/BOY | 0 | 351599 |
| IRS990/PrepaidExpensesDeferredCharges/EOY | 0 | 857523 |
| IRS990/PriorExcessBenefitTransaction | 0 | 0 |
| IRS990/ProfessionalFundraising | 0 | 0 |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 541900 |
| IRS990/ProgramServiceRevenue/BusinessCode | 1 | 541900 |
| IRS990/ProgramServiceRevenueCY | 0 | 14691831 |
| IRS990/ProgramServiceRevenue/Description | 0 | DEBT MGMT PROGRAM |
| IRS990/ProgramServiceRevenue/Description | 1 | OTHER CLIENT SERVICES REVENUE |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 15695179 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 14553131 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 1 | 138700 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 14553131 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 1 | 138700 |
| IRS990/ProhibitedTaxShelterTrans | 0 | 0 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $24,889,069
- Liabilities
- $2,455,565
- Net assets
- $22,433,504
- Revenue
- -
- Expenses
- $20,062,445
- Net income
- -