Liabilities / Assets
18th percentile
Higher debt load relative to assets than 18% of similar nonprofits.
Consumer Education Services Inc.
990 • Fiscal year 2011 • EIN 56-2106758
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.22x
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
92nd percentile
Faster asset growth than 92% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Up$22,284,131
Up $5,607,907 (+34%) from 2010
Net Assets
Up$17,466,686
Up $7,178,006 (+70%) from 2010
Liabilities
Down$4,817,445
Down $1,570,099 (-25%) from 2010
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$27,618,246
Down $5,758,467 (-17%) from 2010
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jul 1, 2010 to Jun 30, 2011
- Signed
- Nov 11, 2011
- Return Version
- 2010v3.4
- Gross Receipts
- $34,713,097
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 supports the advancement of financial literacy education within local and state communities through a strong community outreach program. Outreach efforts include 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 may participate in cesi's free online courses through cesi debt solutions university which provides a comprehensive financial literacy curriculum that offers self-paced instructional sessions. This program assists consumers with the necessary skills to improve their financial management practices that include debt management, minimizing credit card spending and developing a budget. Cesi also offers a variety of educational resources that include personal financial calculators, a bi-monthly e-newsletter, educational blogs and on-line community message boards, as well as various e-learning resources such as video webcasts.
- 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.effective october 31, 2011, cesi's arrangement with the third party service provider will terminate. As a result, cesi will handle the cient payment processing in-house along with other related client services activities.
Filing and Contact Details
Filer
- EIN
- 56-2106758
Raw XML AppendixShowing 400 of 538 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 |
|---|---|---|
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| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 400024 |
| IRS990/AccountsReceivable/BOY | 0 | 8370 |
| IRS990/AccountsReceivable/EOY | 0 | 8107 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/Activity2/Description | 0 | COMMUNITY EDUCATION OUTREACH: CESI SUPPORTS THE ADVANCEMENT OF FINANCIAL LITERACY EDUCATION WITHIN LOCAL AND STATE COMMUNITIES THROUGH A STRONG COMMUNITY OUTREACH PROGRAM. OUTREACH EFFORTS INCLUDE 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 MAY PARTICIPATE IN CESI'S FREE ONLINE COURSES THROUGH CESI DEBT SOLUTIONS UNIVERSITY WHICH PROVIDES A COMPREHENSIVE FINANCIAL LITERACY CURRICULUM THAT OFFERS SELF-PACED INSTRUCTIONAL SESSIONS. THIS PROGRAM ASSISTS CONSUMERS WITH THE NECESSARY SKILLS TO IMPROVE THEIR FINANCIAL MANAGEMENT PRACTICES THAT INCLUDE DEBT MANAGEMENT, MINIMIZING CREDIT CARD SPENDING AND DEVELOPING A BUDGET. CESI ALSO OFFERS A VARIETY OF EDUCATIONAL RESOURCES THAT INCLUDE PERSONAL FINANCIAL CALCULATORS, A BI-MONTHLY E-NEWSLETTER, EDUCATIONAL BLOGS AND ON-LINE COMMUNITY MESSAGE BOARDS, AS WELL AS VARIOUS E-LEARNING RESOURCES SUCH AS VIDEO WEBCASTS. |
| IRS990/Activity2/Expense | 0 | 691211 |
| IRS990/Activity2/Revenue | 0 | 53948 |
| IRS990/Activity3/Description | 0 | 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.EFFECTIVE OCTOBER 31, 2011, CESI'S ARRANGEMENT WITH THE THIRD PARTY SERVICE PROVIDER WILL TERMINATE. AS A RESULT, CESI WILL HANDLE THE CIENT PAYMENT PROCESSING IN-HOUSE ALONG WITH OTHER RELATED CLIENT SERVICES ACTIVITIES. |
| IRS990/Activity3/Expense | 0 | 14764810 |
| IRS990/ActivityOrMissionDescription | 0 | TO PROVIDE CREDIT COUNSELING SERVICES TO THE GENERAL PUBLIC. THESE SERVICES INCLUDE EDUCATIONAL ACTIVITIES, CREDIT COUNSELING, CLIENT DEBT MANAGEMENT PROGRAMS AND OTHER ACTIVITIES FOR THE BENEFIT OF THE GENERAL PUBLIC. |
| IRS990/ActivityOther/Description | 0 | MEMBER BENEFITS SERVICES: THIS PROGRAM OFFERS VARIOUS BENEFIT SERVICES TO ITS CLIENTS PARTICIPATING IN THE DEBT MANAGEMENT PROGRAM. SUCH BENEFITS INCLUDE REBATES ON EVERYDAY PURCHASES (E.G., GROCERIES, CLOTHING, ETC.), A DISCOUNT SAVERS CLUB BOOKLET, VISION CARE DISCOUNTS ON EYE EXAMS AND EYE SURGERIES, DISCOUNTS ON PRESCRIPTION MEDICINE, ONLINE COUPONS FOR RESTAURANTS, HOTEL RESERVATIONS, AND TRAVEL, AND AN ARRAY OF OTHER DISCOUNT SERVICES. AS OF JUNE 5, 2011, CESI CEASED OFFERING MEMBER BENEFITS SERVICES TO NEW CLIENTS, HOWEVER, CESI CONTINUES TO PROVIDE MEMBER BENEFITS SERVICES TO CLIENTS WHO WERE ALREADY ENROLLED AT THIS DATE. |
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| IRS990/Description | 0 | CREDIT COUNSELING AND EDUCATION: THIS PROGRAM ASSISTS CLIENTS IN MANAGING THEIR PERSONAL FINANCES THROUGH THE PROVISION OF DEBT MANAGEMENT SERVICES, CREDIT COUNSELING, EDUCATION AND TRAINING, AND BUDGET PLANNING. CESI OFFERS ASSISTANCE OVER THE PHONE, ONLINE, AND IN PERSON. CERTIFIED CREDIT COUNSELORS DISCUSS VARIOUS OPTIONS WITH CLIENTS REGARDING FINANCIAL DECISIONS. THEY ASSESS INDIVIDUALS' PERSONAL FINANCIAL SITUATION AND ASSIST THEM IN DEVELOPING A BUDGET IN ORDER TO IMPROVE THEIR OVERALL CREDIT. DURING THE FISCAL YEAR ENDED JUNE 30, 2011, APPROXIMATELY 65,000 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING AND FREE EDUCATIONAL RESOURCE MATERIALS.CESI ALSO OFFERS A WIDE VARIETY OF HOUSING COUNSELING SERVICES TO POTENTIAL HOMEBUYERS AND CURRENT HOMEOWNERS. THESE SERVICES INCLUDE EDUCATION THROUGH GROUP SESSIONS AND ONE-ON-ONE COUNSELING. THE AREAS OF FOCUS ARE PRE-PURCHASE EDUCATION AND COUNSELING, LOSS MITIGATION COUNSELING, FORECLOSURE PREVENTION COUNSELING, AND REVERSE MORTGAGE COUNSELING. |
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| IRS990/RelatedEntity | 0 | 0 |
| IRS990/RelatedOrgControlledEntity | 0 | 0 |
| IRS990/ReportFin48Footnote | 0 | 1 |
| IRS990/ReportInvestOthSecurities | 0 | 1 |
| IRS990/ReportLandBldgEquip | 0 | 1 |
| IRS990/ReportOtherAssets | 0 | 1 |
| IRS990/ReportOtherLiabilities | 0 | 1 |
| IRS990/ReportProgRelInvest | 0 | 0 |
| IRS990/Revenue | 0 | 24335615 |
| IRS990/RevenuesLessExpensesCY | 0 | 7094851 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | 3823413 |
| IRS990/SalariesEtcCurrentYear | 0 | 4868319 |
| IRS990/SalariesEtcPriorYear | 0 | 4548966 |
| IRS990/SavingsAndTempCashInvestments/BOY | 0 | 4129044 |
| IRS990/SavingsAndTempCashInvestments/EOY | 0 | 5776313 |
| IRS990ScheduleA/AmountsSubstContributorsTotal | 0 | 3416509 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYear | 0 | 7888564 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus1Year | 0 | 6162335 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus2Years | 0 | 5996798 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus3Years | 0 | 4901518 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus4Years | 0 | 4650072 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/Total | 0 | 29599287 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYear | 0 | 183584 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYearMinus1Year | 0 | 52652 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYearMinus2Years | 0 | 169873 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYearMinus3Years | 0 | 503583 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYearMinus4Years | 0 | 644831 |
| IRS990ScheduleA/GrossInvestmentIncome170/Total | 0 | 1554523 |
| IRS990ScheduleA/GrossReceiptsFromAdmissionsEtc | 0 | 123647793 |
| IRS990ScheduleA/OtherIncome170/CurrentTaxYearMinus1Year | 0 | 227 |
| IRS990ScheduleA/OtherIncome170/CurrentTaxYearMinus2Years | 0 | 2427 |
| IRS990ScheduleA/OtherIncome170/CurrentTaxYearMinus3Years | 0 | 15413 |
| IRS990ScheduleA/OtherIncome170/CurrentTaxYearMinus4Years | 0 | 93500 |
| IRS990ScheduleA/OtherIncome170/Total | 0 | 111567 |
| IRS990ScheduleA/PubliclySupportedOrg170b1Avi | 0 | X |
| IRS990ScheduleA/PublicSupportPertcentage170 | 0 | 0.83740 |
| IRS990ScheduleA/PublicSupportPertcentPriorYear | 0 | 0.86110 |
| IRS990ScheduleA/PublicSupportTotal170 | 0 | 26182778 |
| IRS990ScheduleA/ThirtyThreePercntTestsCY170 | 0 | X |
| IRS990ScheduleA/Total170/CurrentTaxYear | 0 | 7888564 |
| IRS990ScheduleA/Total170/CurrentTaxYearMinus1Year | 0 | 6162335 |
| IRS990ScheduleA/Total170/CurrentTaxYearMinus2Years | 0 | 5996798 |
| IRS990ScheduleA/Total170/CurrentTaxYearMinus3Years | 0 | 4901518 |
| IRS990ScheduleA/Total170/CurrentTaxYearMinus4Years | 0 | 4650072 |
| IRS990ScheduleA/Total170/Total | 0 | 29599287 |
| IRS990ScheduleA/TotalSupport | 0 | 31265377 |
| IRS990ScheduleB/ContributorInfo/AggregateContributions | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorNameBusiness/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorNumber | 0 | RESTRICTED |
| IRS990/ScheduleBRequired | 0 | 1 |
| IRS990ScheduleD/AgentTrusteeEtc | 0 | 1 |
| IRS990ScheduleD/Buildings/BookValue | 0 | 1094482 |
| IRS990ScheduleD/Buildings/Depreciation | 0 | 33168 |
| IRS990ScheduleD/Buildings/OtherCostOrOtherBasis | 0 | 1127650 |
| IRS990ScheduleD/Equipment/BookValue | 0 | 391563 |
| IRS990ScheduleD/Equipment/Depreciation | 0 | 583908 |
| IRS990ScheduleD/Equipment/OtherCostOrOtherBasis | 0 | 975471 |
| IRS990ScheduleD/ExcessOrDeficitForYear | 0 | 7094851 |
| IRS990ScheduleD/ExcessOrDeficitPerFS | 0 | 7178006 |
| IRS990ScheduleD/ExpensesNotRptdF990 | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptdOnFinStmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotal | 0 | 27618246 |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation | 0 | CESI OFFERS DEBT MANAGEMENT PROGRAMS TO ASSIST CLIENTS IN PAYING THEIR UNSECURED DEBTS. FUNDS RECEIVED FROM CLIENTS PARTICIPATING IN THE DEBT MANAGEMENT PROGRAM ARE DEPOSITED INTO VARIOUS DEPOSITORY ACCOUNTS. FUNDS ARE THEN TRANSFERRED FROM THE DEPOSITORY ACCOUNTS INTO A SEPARATE FOR THE BENEFIT OF OTHERS ACCOUNT (THE FBO ACCOUNT) ON A DAILY BASIS. FUNDS RESIDING IN THE FBO ACCOUNTS ARE DISBURSED TO CREDITORS AND PORTIONS OF THE FUNDS ARE DISBURSED TO CESI'S OPERATING ACCOUNT AS CONTRIBUTIONS MADE TO CESI BY CREDITORS AND/OR CLIENTS. CERTAIN STATES REQUIRE THAT CLIENT FUNDS BE HELD IN A DEPOSITORY ACCOUNT WITHIN THAT STATE UNTIL THE RESPECTIVE CLIENTS CREDITORS ARE PAID. IN THIS SITUATION CREDITORS ARE PAID FROM MONIES FROM THIS STATES DEPOSITORY ACCOUNT. INTEREST INCOME EARNED ON FUNDS HELD IN THE VARIOUS RESTRICTED CASH ACCOUNTS IS USED TO PAY FOR BANK FEES AND OTHER EXPENSES. CESI IS RESPONSIBLE FOR ANY EXCESS EXPENSES ARISING FROM THE ACTIVITIES OF THESE ACCOUNTS. |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation | 1 | OVER THE PAST SEVERAL YEARS, THE INTERNAL REVENUE SERVICE (IRS) HAS ENGAGED IN AUDITING A LARGE NUMBER OF TAX-EXEMPT ORGANIZATIONS THAT PROVIDE CREDIT COUNSELING AND DEBT MANAGEMENT SERVICES TO THE PUBLIC TO DETERMINE IF THEY, IN FACT, QUALIFY FOR TAX-EXEMPT STATUS. CESI WAS ONE OF THE ORGANIZATIONS SELECTED TO BE EXAMINED, WHICH BEGAN IN 2004. CERTAIN STATE LICENSING REGULATIONS REQUIRE A FEDERAL TAX-EXEMPT STATUS IN ORDER TO OFFER CREDIT COUNSELING SERVICES AND THIS WOULD ACCORDINGLY AFFECT OPERATIONS IN THOSE JURISDICTIONS. MANAGEMENT BELIEVES THE ORGANIZATION IS IN COMPLIANCE WITH CURRENT AND PREVIOUS RULES GOVERNING THESE TYPES OF ENTITIES AND HAS MADE SEVERAL DIFFERENT APPEALS OF THIS DECISION. AT THIS TIME, CESIS EXEMPT STATUS IS STILL IN EFFECT AND AWAITING A FINAL RESOLUTION. |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation | 2 | UNREALIZED GAIN ON CASH SURRENDER VALUE OF LIFE INSURANCE 23,329. |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation | 3 | GAIN ON CASH SURRENDER VALUE OF LIFE INSURANCE 23,329. |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier | 0 | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier | 1 | PART XI, LINE 8 - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier | 2 | PART XII, LINE 2D - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference | 0 | PART IV, LINE 2B: |
| IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference | 1 | PART X: |
| IRS990ScheduleD/IncludedOnFS | 0 | 1 |
| IRS990ScheduleD/Land/BookValue | 0 | 156896 |
| IRS990ScheduleD/Land/OtherCostOrOtherBasis | 0 | 156896 |
| IRS990ScheduleD/NetUnrealizedGainsInvestments | 0 | 59826 |
| IRS990ScheduleD/NetUnrealizedGLOnInvestments | 0 | 59826 |
| IRS990ScheduleD/OtherAmount | 0 | 23329 |
| IRS990ScheduleD/OtherLandBuildings/BookValue | 0 | 39082 |
| IRS990ScheduleD/OtherLandBuildings/Depreciation | 0 | 129117 |
| IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis | 0 | 168199 |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 46359 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | NONQUALIFIED RETIREMENT PLAN LIABILITY |
| IRS990ScheduleD/OtherRevenues | 0 | 23329 |
| IRS990ScheduleD/OtherSecurities/BookValue | 0 | 5852894 |
| IRS990ScheduleD/OtherSecurities/Description | 0 | SECURITIES AND OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecurities/MethodOfValuation | 0 | C |
| IRS990ScheduleD/RevenueNotRptdF990 | 0 | 83155 |
| IRS990ScheduleD/RevenueNotRptdOnFinStmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotal | 0 | 34713097 |
| IRS990ScheduleD/TotalAdjustments | 0 | 83155 |
| IRS990ScheduleD/TotalExpenses | 0 | 27618246 |
| IRS990ScheduleD/TotalExpensesPerForm990 | 0 | 27618246 |
| IRS990ScheduleD/TotalOfAmounts | 0 | 46359 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 1682023 |
| IRS990ScheduleD/TotalOfBookValueSecurities | 0 | 5852894 |
| IRS990ScheduleD/TotalRevenue | 0 | 34713097 |
| IRS990ScheduleD/TotalRevenuePerForm990 | 0 | 34713097 |
| IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt | 0 | 27618246 |
| IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt | 0 | 34796252 |
| IRS990ScheduleJ/AnyNonFixedPayments | 0 | 0 |
| IRS990ScheduleJ/BoardOrCommitteeApproval | 0 | X |
| IRS990ScheduleJ/CompBasedNetEarningsFilingOrg | 0 | 0 |
| IRS990ScheduleJ/CompBasedNetEarningsRelateOrgs | 0 | 0 |
| IRS990ScheduleJ/CompBasedOnRevenueOfFilingOrg | 0 | 0 |
| IRS990ScheduleJ/CompBasedOnRevenueRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/EquityBasedCompArrangement | 0 | 0 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $22,284,131
- Liabilities
- $4,817,445
- Net assets
- $17,466,686
- Revenue
- -
- Expenses
- $27,618,246
- Net income
- -