Civic Intelligence

Consumer Education Services Inc.

990 • Fiscal year 2010 • EIN 56-2106758

Jul 01, 2009 to Jun 30, 2010 • Filed on Apr 06, 2011

Organization ProfileWWW.CESISOLUTIONS.ORG

View Organization Page

3700 Barrett Drive27609
Siviq Scores

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

Liabilities / Assets

30th percentile

0.38x

Higher debt load relative to assets than 30% of similar nonprofits.

2010 filings • NTEE P • $25M-$50M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets30th percentile

Assets

$16,676,224

No earlier filing loaded for comparison.

Net Assets

$10,288,680

No earlier filing loaded for comparison.

Liabilities

$6,387,544

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$33,376,713

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$40M$30M$20M$10M$0Assets 2010: $16,676,224Liabilities 2010: $6,387,544Net Assets 2010: $10,288,6802010Assets 2011: $22,284,131Liabilities 2011: $4,817,445Net Assets 2011: $17,466,6862011Assets 2012: $27,986,505Liabilities 2012: $3,162,516Net Assets 2012: $24,823,9892012Assets 2013: $33,541,823Liabilities 2013: $2,861,411Net Assets 2013: $30,680,4122013Assets 2014: $36,346,440Liabilities 2014: $1,992,829Net Assets 2014: $34,353,6112014Assets 2015: $36,723,307Liabilities 2015: $3,755,448Net Assets 2015: $32,967,8592015Assets 2016: $23,753,463Liabilities 2016: $3,238,338Net Assets 2016: $20,515,1252016Assets 2017: $23,838,092Liabilities 2017: $2,618,725Net Assets 2017: $21,219,3672017Assets 2018: $23,375,411Liabilities 2018: $2,406,233Net Assets 2018: $20,969,1782018Assets 2019: $23,715,201Liabilities 2019: $2,273,404Net Assets 2019: $21,441,7972019Assets 2020: $23,548,010Liabilities 2020: $2,233,183Net Assets 2020: $21,314,8272020Assets 2021: $26,795,782Liabilities 2021: $1,770,718Net Assets 2021: $25,025,0642021Assets 2022: $23,360,630Liabilities 2022: $979,555Net Assets 2022: $22,381,0752022Assets 2023: $23,042,605Liabilities 2023: $910,616Net Assets 2023: $22,131,9892023Assets 2024: $25,151,407Liabilities 2024: $195,145Net Assets 2024: $24,956,2622024

Highlighted filing

2010

Assets$16,676,224
Liabilities$6,387,544
Net Assets$10,288,680
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$40M$20M$0-$20MExpenses 2010: $33,376,7132010Expenses 2011: $27,618,2462011Expenses 2012: $21,016,4792012Expenses 2013: $14,993,2822013Revenue 2014: $15,551,526Expenses 2014: $13,096,601Net Income 2014: $2,454,9252014Revenue 2015: $10,546,635Expenses 2015: $10,758,303Net Income 2015: -$211,6682015Revenue 2016: $6,580,504Expenses 2016: $18,471,541Net Income 2016: -$11,891,0372016Revenue 2017: $7,879,213Expenses 2017: $8,595,073Net Income 2017: -$715,8602017Revenue 2018: $8,538,797Expenses 2018: $9,011,799Net Income 2018: -$473,0022018Revenue 2019: $8,370,602Expenses 2019: $8,830,612Net Income 2019: -$460,0102019Revenue 2020: $7,890,936Expenses 2020: $7,033,768Net Income 2020: $857,1682020Revenue 2021: $7,112,635Expenses 2021: $6,807,417Net Income 2021: $305,2182021Revenue 2022: $7,529,671Expenses 2022: $5,423,064Net Income 2022: $2,106,6072022Revenue 2023: $5,387,500Expenses 2023: $5,974,438Net Income 2023: -$586,9382023Revenue 2024: $2,760,767Expenses 2024: $2,939,903Net Income 2024: -$179,1362024

Highlighted filing

2010

Revenue-
Expenses$33,376,713
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2009 to Jun 30, 2010
Signed
Apr 6, 2011
Return Version
2009v1.7
Gross Receipts
$37,200,126
Mission and Program Overview

Mission

Consumer education services, inc ("cesi") is a non-profit service provider of comprehensive personal financial education and solutions for all life stages and for all life's milestones our goal is enhanced economic security for everyone we serve.

Major Activities

Activity 2
COMMUNITY EDUCATION OUTREACH: CESI HAS SUPPORTED THE ADVANCEMENT OF FINANCIAL LITERACY EDUCATION WITHIN ITS LOCAL AND STATE COMMUNITIES THROUGH A STRONG COMMUNITY OUTREACH PROGRAM. THE FIRST PART OF THE OUTREACH EFFORT IS IN THE FORM OF GROUP EDUCATION PROGRAMS, USUALLY IN PARTNERSHIP WITH LOCAL COMMUNITY AGENCIES OR EDUCATIONAL INSTITUTIONS. THE SECOND PART OF THE CESI OUTREACH PROGRAM EFFORT IS IN THE FORM OF FREE INDIVIDUAL FINANCIAL COUNSELING AT THE CESI CENTER WITH AN ACCREDITED CESI COUNSELOR.CESI offers numerous financial educational resources, which are easily accessed by all consumers and not just CESI customers. These resources are designed to help consumers better manage their finances and to achieve the goal of becoming debt free.In addition, consumers are able to take advantage of CESI's free online courses. The Debt Guard Financial Literacy Program and Money Smart programs offer self-paced instructional sessions. Both programs assist consumers with the necessary skills to improve their financial management practices that include debt management, minimizing credit card spending, developing a budget. CESI also offers a variety of educational resources that include personal financial calculators, a monthly e-newsletter, an extensive online article library, educational blogs and on-line community message boards, and a variety of educational whitepapers including Consumer Credit Literacy written by Dr. B.R. Poulton PHD, as well as various e-learning resources such as video webcasts and e-books.
Activity 3
Client payment processing: this program provides services to its debt management participants with respect to processing payments, working with creditors to secure a reduction in interest rates, and educating and training clients to better manage their finances. The client payment processing is outsourced to a third-party service provider with cesi's final approval.
Filing and Contact Details

Filer

EIN
56-2106758
Raw XML AppendixShowing 400 of 515 raw XML fields

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IRS990/Activity2/Description0COMMUNITY EDUCATION OUTREACH: CESI HAS SUPPORTED THE ADVANCEMENT OF FINANCIAL LITERACY EDUCATION WITHIN ITS LOCAL AND STATE COMMUNITIES THROUGH A STRONG COMMUNITY OUTREACH PROGRAM. THE FIRST PART OF THE OUTREACH EFFORT IS IN THE FORM OF GROUP EDUCATION PROGRAMS, USUALLY IN PARTNERSHIP WITH LOCAL COMMUNITY AGENCIES OR EDUCATIONAL INSTITUTIONS. THE SECOND PART OF THE CESI OUTREACH PROGRAM EFFORT IS IN THE FORM OF FREE INDIVIDUAL FINANCIAL COUNSELING AT THE CESI CENTER WITH AN ACCREDITED CESI COUNSELOR.CESI offers numerous financial educational resources, which are easily accessed by all consumers and not just CESI customers. These resources are designed to help consumers better manage their finances and to achieve the goal of becoming debt free.In addition, consumers are able to take advantage of CESI's free online courses. The Debt Guard Financial Literacy Program and Money Smart programs offer self-paced instructional sessions. Both programs assist consumers with the necessary skills to improve their financial management practices that include debt management, minimizing credit card spending, developing a budget. CESI also offers a variety of educational resources that include personal financial calculators, a monthly e-newsletter, an extensive online article library, educational blogs and on-line community message boards, and a variety of educational whitepapers including Consumer Credit Literacy written by Dr. B.R. Poulton PHD, as well as various e-learning resources such as video webcasts and e-books.
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IRS990ScheduleA/PubliclySupportedOrg170b1Avi0X
IRS990ScheduleA/PublicSupportPertcentage17000.86110
IRS990ScheduleA/PublicSupportPertcentPriorYear00.92000
IRS990ScheduleA/PublicSupportTotal170039177825
IRS990ScheduleA/ThirtyThreePercntTestsCY1700X
IRS990ScheduleA/Total170/CurrentTaxYear06162335
IRS990ScheduleA/Total170/CurrentTaxYearMinus1Year05996798
IRS990ScheduleA/Total170/CurrentTaxYearMinus2Years04901518
IRS990ScheduleA/Total170/CurrentTaxYearMinus3Years04650072
IRS990ScheduleA/Total170/CurrentTaxYearMinus4Years021876283
IRS990ScheduleA/Total170/Total043587006
IRS990ScheduleA/TotalSupport045498686
IRS990ScheduleB/ContributorInfo/AggregateContributions0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/City0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/State0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorNameBusiness/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorNumber0RESTRICTED
IRS990/ScheduleBRequired01
IRS990ScheduleD/AdditionsDuringYear0468677689
IRS990ScheduleD/AgentTrusteeEtc00
IRS990ScheduleD/BeginningBalance05004151
IRS990ScheduleD/Buildings/BookValue0883449
IRS990ScheduleD/Buildings/Depreciation05627
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis0889076
IRS990ScheduleD/DistributionsDuringYear0468115334
IRS990ScheduleD/EndingBalance05566506
IRS990ScheduleD/Equipment/BookValue0317687
IRS990ScheduleD/Equipment/Depreciation0428800
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis0746487
IRS990ScheduleD/ExcessOrDeficitForYear03823413
IRS990ScheduleD/ExcessOrDeficitPerFS03830728
IRS990ScheduleD/ExpensesNotRptdF99000
IRS990ScheduleD/ExpensesNotRptdOnFinStmt00
IRS990ScheduleD/ExpensesSubtotal033376713
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0FUNDS RECEIVED FROM INDIVIDUALS PARTICIPATING IN THE DEBT MANAGEMENT PROGRAM ARE HELD IN VARIOUS SEPARATE FBO BANK ACCOUNTS UNTIL THE FUNDS ARE DISTRIBUTED TO CREDITORS AND CONTRIBUTIONS ARE DISBURSED TO CESI. CERTAIN STATES REQUIRE THAT CASH ACCOUNTS BE HELD IN THE SAME STATE IN WHICH THE FUNDS ARE RECEIVED. ALL RESTRICTED CASH ACCOUNTS ARE NOT AVAILABLE FOR CESI'S OPERATING EXPENSES OR THE CREDITORS OF CESI.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation1unrealized GAIN on cash surrender value of life insurance: 7315.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation2UNREALIZED GAIN on Cash Surrender Value of Life Insurance: 7315.
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier0Part IV, Line 2b:
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier1Part XI, Line 8 - Other Adjustments:
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier2Part XII, Line 2d - Other Adjustments:
IRS990ScheduleD/IncludedOnFS01
IRS990ScheduleD/Land/BookValue0156896
IRS990ScheduleD/Land/OtherCostOrOtherBasis0156896
IRS990ScheduleD/OtherAmount07315
IRS990ScheduleD/OtherAssets/BookValue05532296
IRS990ScheduleD/OtherAssets/BookValue134210
IRS990ScheduleD/OtherAssets/BookValue275816
IRS990ScheduleD/OtherAssets/BookValue322526
IRS990ScheduleD/OtherAssets/Description0CLIENT ACCOUNTS
IRS990ScheduleD/OtherAssets/Description1INTEREST ON CLIENT ACCOUNTS
IRS990ScheduleD/OtherAssets/Description2caSH SURRENDER VALUE OF LIFE INSURANCE
IRS990ScheduleD/OtherAssets/Description3sECURITY DEPOSIT
IRS990ScheduleD/OtherLandBuildings/BookValue095036
IRS990ScheduleD/OtherLandBuildings/Depreciation0118124
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis0213160
IRS990ScheduleD/OtherRevenues07315
IRS990ScheduleD/OtherSecurities/BookValue0136778
IRS990ScheduleD/OtherSecurities/BookValue1881853
IRS990ScheduleD/OtherSecurities/Description0SECURITIES AND OTHER INVESTMENTS
IRS990ScheduleD/OtherSecurities/Description1ESCROW BONDS
IRS990ScheduleD/OtherSecurities/MethodOfValuation0C
IRS990ScheduleD/OtherSecurities/MethodOfValuation1C
IRS990ScheduleD/RevenueNotRptdF99007315
IRS990ScheduleD/RevenueNotRptdOnFinStmt00
IRS990ScheduleD/RevenueSubtotal037200126
IRS990ScheduleD/TotalAdjustments07315
IRS990ScheduleD/TotalBookValueOtherAssets05664848
IRS990ScheduleD/TotalExpenses033376713
IRS990ScheduleD/TotalExpensesPerForm990033376713
IRS990ScheduleD/TotalOfBookValueLandBuildings01453068
IRS990ScheduleD/TotalOfBookValueSecurities01018631
IRS990ScheduleD/TotalRevenue037200126
IRS990ScheduleD/TotalRevenuePerForm990037200126
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt033376713
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt037207441
IRS990ScheduleJ/AnyNonFixedPayments00
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/CompBasedNetEarningsFilingOrg00
IRS990ScheduleJ/CompBasedNetEarningsRelateOrgs00
IRS990ScheduleJ/CompBasedOnRevenueOfFilingOrg00
IRS990ScheduleJ/CompBasedOnRevenueRelatedOrgs00
IRS990ScheduleJ/EquityBasedCompArrangement00
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0204808
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NameBusiness/BusinessNameLine10DR Diane CHEN
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg04709

Document Assets

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Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$16,676,224
Liabilities
$6,387,544
Net assets
$10,288,680
Revenue
-
Expenses
$33,376,713
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$25.2$0.20$25.0$2.76$2.94$0.18
2023Detailed filing. Detailed filing data is available for this year.$23.0$0.91$22.1$5.39$5.97$0.59
2022Detailed filing. Detailed filing data is available for this year.$23.4$0.98$22.4$7.53$5.42$2.11
2021Detailed filing. Detailed filing data is available for this year.$26.8$1.77$25.0$7.11$6.81$0.31
2020Detailed filing. Detailed filing data is available for this year.$23.5$2.23$21.3$7.89$7.03$0.86
2019Detailed filing. Detailed filing data is available for this year.$23.7$2.27$21.4$8.37$8.83$0.46
2018Detailed filing. Detailed filing data is available for this year.$23.4$2.41$21.0$8.54$9.01$0.47
2017Detailed filing. Detailed filing data is available for this year.$23.8$2.62$21.2$7.88$8.60$0.72
2016Detailed filing. Detailed filing data is available for this year.$23.8$3.24$20.5$6.58$18.5$11.9
2015Detailed filing. Detailed filing data is available for this year.$36.7$3.76$33.0$10.5$10.8$0.21
2014Detailed filing. Detailed filing data is available for this year.$36.3$1.99$34.4$15.6$13.1$2.45
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.5$2.86$30.7$15.0
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.0$3.16$24.8$21.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.3$4.82$17.5$27.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.7$6.39$10.3$33.4
Peer Organizations

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