Civic Intelligence

Consumer Education Services Inc.

990 • Fiscal year 2018 • EIN 56-2106758

Jul 01, 2017 to Jun 30, 2018 • Filed on Oct 22, 2018

Organization ProfileWWW.CESISOLUTIONS.ORG

View Organization Page

3700 Barrett DrRaleigh, NC 27609

(919) 861-5340

Siviq Scores

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

Liabilities / Assets

23rd percentile

0.10x

Higher debt load relative to assets than 23% of similar nonprofits.

2018 filings • NTEE P • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

55th percentile

0.28x

Higher debt load relative to revenue than 55% of similar nonprofits.

2018 filings • NTEE P • $10M-$25M nonprofits • Source year 2018

Net Margin

13th percentile

-5.5%

Higher net margin than 13% of similar nonprofits.

2018 filings • NTEE P • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

19th percentile

$117,434

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2018 filings • NTEE P • $10M-$25M nonprofits • Source year 2018

Asset Growth

27th percentile

-1.9%

Faster asset growth than 27% of similar nonprofits.

2018 filings • NTEE P • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

63rd percentile

8.4%

Faster revenue growth than 63% of similar nonprofits.

2018 filings • NTEE P • $10M-$25M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Down

$23,375,411

Down $462,681 (-1.9%) from 2017

Net Assets

Down

$20,969,178

Down $250,189 (-1.2%) from 2017

Liabilities

Down

$2,406,233

Down $212,492 (-8.1%) from 2017

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin13th percentile

Revenue

Up

$8,538,797

Up $659,584 (+8.4%) from 2017

Expenses

Up

$9,011,799

Up $416,726 (+4.8%) from 2017

Net Income

Up

-$473,002

Up $242,858 (+34%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth27th percentile

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

2018

Assets$23,375,411
Liabilities$2,406,233
Net Assets$20,969,178
Open 2018 Filing

Operations Trend

Revenue Growth63rd percentile

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

2018

Revenue$8,538,797
Expenses$9,011,799
Net Income-$473,002
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2017 to Jun 30, 2018
Signed
Oct 22, 2018
Return Version
2017v2.3
Gross Receipts
$16,753,400
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$17,933,136$17,392,986▼ $540,150
Cash and Non-Interest-Bearing Accounts$1,457,420$1,404,424▼ $52,996
Land, Buildings, and Equipment, Net$1,092,680$1,094,527▲ $1,847
Savings and Temporary Cash Investments$738,334$757,162▲ $18,828
Prepaid Expenses and Deferred Charges$83,843$78,077▼ $5,766
Accounts Receivable-$56,993-
Total Assets$23,838,092$23,375,411▼ $462,681
Other Assets Total$2,532,679$2,591,242▲ $58,563
Liabilities
Unsecured Notes Loans Payable$1,248,805$805,717▼ $443,088
Escrow Account Liability$643,357$663,030▲ $19,673
Accounts Payable and Accrued Expenses$418,197$570,557▲ $152,360
Other Liabilities$308,366$366,929▲ $58,563
Total Liabilities$2,618,725$2,406,233▼ $212,492
Net Assets / Fund Balance
Unrestricted Net Assets$21,219,367$20,969,178▼ $250,189
Total Net Assets Fund Balance$21,219,367$20,969,178▼ $250,189
Total Liabilities and Net Assets / Fund Balance$23,838,092$23,375,411▼ $462,681

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$911,846$252,180-
Other Land Buildings$5,458$77,256-
Land$156,896--
Equipment$20,327$1,276,901-
Other Assets Org$24,313--
Compensation and Service Providers
Top Officer Pay19th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael CroxsonCEOFT$82,358$35,076$117,434
Steve ColeTreasurerFT$85,362$11,925$97,287
Dr Diane ChenBoard SecretPT$69,233$6,932$76,165

Board Members and Trustees

NameTitle
Robert J FitzgeraldChairman
Alexis NelsonBoard Member
Amy BlackwellBoard Member
Matthew MallBoard Member
Naveed IftikarBoard Member
Wayne StallingsBoard Member

Highest Paid Contractors

ContractorServicesLocationCompensation
National Debt ReliefMarketing11 BROADWAY 16TH FLOOR, New York, NY 10004$1,335,000
GoogleMarketingPO BOX 39000, San Francisco, CA 94139$733,659
Revenue and Support

Revenue Composition

Contributions and Grants
$1,900,594
Program Service Revenue
$5,070,470
Investment Income
$1,123,994
Other Revenue
$443,739
All Other Contributions
$1,900,594
Change in Net Assets
$-473,002

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,538,797
Revenue Not Reported on Form 990
$223,739
Total Revenue per Audited Statements
$8,762,536
Total Revenue per Form 990
$8,538,797
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,384,081
Salaries, Compensation, and Employee Benefits$4,377,618
Grants and Similar Amounts Paid$250,100
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,674,544$806,434-$3,480,978
Advertising$2,507,156--$2,507,156
Other Employee Benefits$431,842$164,834-$596,676
Office Expenses$319,267$79,842-$399,109
Payroll Taxes$234,301$65,663-$299,964
Grants to Domestic Orgs$250,100--$250,100
All Other Expenses$87,004$99,660-$186,664
Information Technology$122,403$30,601-$153,004
Fees for Services Legal$71,510$71,510-$143,020
Fees for Service Investment Mgmnt Fees-$112,268-$112,268
Other Expenses$89,914$21,277-$89,914
Travel$58,999$14,750-$73,749
Insurance$53,342$13,335-$66,677
Depreciation Depletion$39,968$7,053-$47,021
Conferences and Meetings$24,975$6,244-$31,219
Interest$29,196--$29,196
Fees for Services Accounting-$26,092-$26,092
Total Functional Expenses$7,467,659$1,544,140$0$9,011,799

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$9,011,799
Total Expenses per Audited Statements$8,783,778
Expenses per Audited Statements$8,761,699
Expenses Not Reported on Financial Statements$250,100
Other Expense Adjustments$250,100
Expenses Not Reported on Form 990$22,079
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Community Loan Center of the NcRaleigh, NC3Launch Organization$250,100
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Nonqualified Retirement Plan Liabili$366,929
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“The president & ceo and the director of finance are responsible for reviewing and approving the form 990 and the form 990-t before it is filed.”

Form 990, Page 6, Part VI, Line 12C

“Officers, directors, and key employees are required to disclose any potential conflicts of interest annually on a conflict of interest form. Any known conflicts of intrest require immediate disclosure.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors generally determines and reviews the salary of the president and ceo.”

Form 990, Page 6, Part VI, Line 15B

“The board of directors generally determines and reviews the salary of key employees.”

Form 990, Page 6, Part VI, Line 19

“Cesi makes it governing documents, conflicts of interest policy, and financial statements available to the public upon request. The organization form 990 is also available on guidestar.org.”

Filing and Contact Details

Filer

Filer Name
Consumer Education Services Inc
EIN
56-2106758
Phone
9198615340
Address
3700 BARRETT DR, RALEIGH, NC 27609

Signing Officer

Name
Michael Croxson
Title
CEO
Phone
9198615340
Signed
2018-10-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Croxson
Formed
1998
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
7
Employees
87
Volunteers
16

Preparer

Firm
Rives & Associates Llp
Address
1023 W MOREHEAD ST SUITE 100, CHARLOTTE, NC 28208-5324
Preparer
Aaron Patel CPA
Phone
7043720960
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S 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.”

Form 990, Page 2, Part III, Line 4B

“Individual financial counseling at the cesi center with an accredited cesi counselor. Cesi offers a wide variety of courses covering financial topics geared toward an adult or a youth audience. We utilize a team of community educators to conduct classes and assist the community partners. 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 comprehensive guide to personal finance, 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 quarterly e-newsletter, educational blogs on on- line community message boards, as well as various e-learning resources such as video webcasts.”

Form 990, Page 2, Part III, Line 4C

“And capital area veterans standdown is to assist all veterans in the areas of healthcare, va benefits and consultation, mental health/substance abuse, legal education, spiritual guidance, social services employment assistance and dental clinic. Cesi also assist consumers through the north carolina housing finance agency (nchfa). The first project is state home foreclosure prevention project (shfpp) which helps north carolina homeowners who have received a 45 day letter from their servicer to avoid foreclosure by putting them in contact with a hud housing counseling agencies who can assist them with loss mitigation options. Other projects are hardest hit fund(hhf), north carolina foreclosure prevention fund(fpf), or mortgage payment program (mpp). These projects help north carolina homeowners who have lost their jobs or have experienced some other type of employment related financial hardship to make their mortgage payments while they look for a job or retrain for a new job. Between july 1, 2017 and june 30, 2018 cesi handled 23,581 phone calls from consumers that either received letters from nchfa or who have learned about the fpf program via the website ncforeclosureprevention.gov or other type of marketing that has been done for the program.”

Form 990, Page 2, Part III, Line 4D

“Bankruptcy counseling - cesi offers bankruptcy counseling for individuals in need of either pre-filing credit counseling or post-filing debtor education. Before an individual files for chapter 7 or chapter 13 bankruptcy, a credit counseling certificate from an eoust approved agency is required. Cesi provides the required counseling for our clients in order to obtain the certificate. This can be done both online and by phone. After completing the credit counseling and filing for bankruptcy, individuals are required to complete a debtor education course by an eoust approved provider. This course is offered both online and by phone. Both pre-credit counseling and post-credit counseling are performed by certified counselors.”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Cesi offers debt management programs to assist clients in paying their unsecured debts funds recieved from clients participating in the debt management program are deposited into various depository accounts and in to a separate for the benefit of other account (the "fbo account") on a daily basis. Funds residing in the fbo accounts are disbursed to cesi's operating account as contributions made to cesi by creditors and/or clients. Certain states require that clients funds be held in a depository account within that state until the respecticve creditors are paid. In this situation creditors are paid from monies from this state's depository account. Interest income earned on funds held in the various restricted accounts is used to pay for bank fees and other expenses. Cesi is responsible for any excess expense arising from the activities of these accounts.”

Schedule D, Page 3, Part X

“Cesi has adopted the provisions of fasb asx 740-10-25, accounting for uncertainty in income taxes. Under this provision, an organization must recognize the tax benefit associated with tax provisions for the tax return purposes when it is more likely than not the position will be sustained. The implementation of this standard has had no impact on cesi's financial statement. Currently, the 2015, 2016, and 2017 tax years are open and subject to examination by the taxing authorities. Cesi does not believe there are any material uncertain tax positions and, accordingly, it has not recognized any liabilities for the unrecognized tax benefit.”

Schedule D, Page 4, Part XI, Line 2D

“INCOME ON CLC 990 926”

Schedule D, Page 4, Part XII, Line 2D

“Expenses on clc 990 22,079”

Schedule D, Page 4, Part XII, Line 4B

“GRANT TO CLC 250,100”

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IRS990/MissionDesc0CONSUMER 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.
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IRS990/ProgSrvcAccomActy2Grp/Desc0COMMUNITY EDUCATION OUTREACH - CESI SUPPORTS THE ADVANCEMENT OF FINANCIAL LITERACY EDUCATION WITHIN LOCAL AND STATE COMMUNITIES THROUGH A STRONG COMMUNITY OUTREACH PROGRAM. CESI'S OUTREACH EFFORTS INCLUDE GROUP EDUCATION PROGRAMS IN A CLASSROOM SETTING, TYPICALLY IN PARTNERSHIP WITH LOCAL COMMUNITY AGENCIES OR EDUCATIONAL INSTITUTIONS. DURING THE FISCAL YEAR ENDING JUNE 30, 2018 CESI CONDUCTED 241 CLASSES ASSISTING 4,888 INDIVIDUAL OR FAMILIES AT IN-PERSON CLASSROOM SESSIONS COVERING TOPICS SUCH AS: BUDGETING AND SAVING, BANKING, IDENTITY THEFT PROTECTION, UNDERSTANDING YOUR CREDIT REPORT, FINANCES AFTER JOB LOSS, GOAL SETTING, RETIREMENT SAVINGS, CREDIT AND DEBT. THE SECOND PART OF THE CESI OUTREACH PROGRAM EFFORT IN THE FORM OF FREE INDIVIDUAL FINANCIAL COUNSELING AT THE CESI CENTER WITH AN ACCREDITED CESI COUNSELOR. CESI OFFERS A WIDE VARIETY OF COURSES COVERING FINANCIAL TOPICS GEARED TOWARD AN ADULT OR A YOUTH AUDIENCE. WE UTILIZE A TEAM OF COMMUNITY EDUCATORS TO CONDUCT CLASSES AND ASSIST THE COMMUNITY PARTNERS. 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 COMPREHENSIVE GUIDE TO PERSONAL FINANCE, 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 QUARTERLY E-NEWSLETTER, EDUCATIONAL BLOGS ON ON- LINE COMMUNITY MESSAGE BOARDS, AS WELL AS VARIOUS E-LEARNING RESOURCES SUCH AS VIDEO WEBCASTS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0598191
IRS990/ProgSrvcAccomActy3Grp/Desc0CESI HOMEOWNERSHIP CENTER PROVIDED A VARIETY OF COUNSELING SERVICES, RANGING FROM FORECLOSURE PREVENTION TO PRE PURCHASE, TO 486 INDIVIDUALS AND FAMILIES. APPROXIMATELY 40% OF CLIENTS RECEIVED FORECLOSURE PREVENTION COUNSELING, 25% RECEIVED REVERSE MORTGAGE COUNSELING AND THE REMAINING 35% PRE PURCHASE COUNSELING, GROUP EDUCATION WORKSHOPS AND OTHER SERVICES. WE WORKED WITH COMMUNITY PARTNERS, FACILLITATING HOME BUYER GROUP EDUCATION WORKSHOPS FOR COMMUNITY LAND TRUSTEES AND HABITAT FOR HUMANITY OF WAKE COUNTY. CESI STAFF ALSO PARTICIPATED IN OVER A DOZEN COMMUNITY OUTREACH EVENTS, INCLUDING OUR SIGNATURE NATIONAL HOMEWOWNERSHIP MONTHLY COMMUNITY DAY CELEBRATION, DURHAM BULL CITY VETERANS STAND DOWN 2017 AND CAPITAL AREA VETERANS STAND DOWN 2017. THE PURPOSE OF THE BULL CITY VETEANS STANDDOWN AND CAPITAL AREA VETERANS STANDDOWN IS TO ASSIST ALL VETERANS IN THE AREAS OF HEALTHCARE, VA BENEFITS AND CONSULTATION, MENTAL HEALTH/SUBSTANCE ABUSE, LEGAL EDUCATION, SPIRITUAL GUIDANCE, SOCIAL SERVICES EMPLOYMENT ASSISTANCE AND DENTAL CLINIC. CESI ALSO ASSIST CONSUMERS THROUGH THE NORTH CAROLINA HOUSING FINANCE AGENCY (NCHFA). THE FIRST PROJECT IS STATE HOME FORECLOSURE PREVENTION PROJECT (SHFPP) WHICH HELPS NORTH CAROLINA HOMEOWNERS WHO HAVE RECEIVED A 45 DAY LETTER FROM THEIR SERVICER TO AVOID FORECLOSURE BY PUTTING THEM IN CONTACT WITH A HUD HOUSING COUNSELING AGENCIES WHO CAN ASSIST THEM WITH LOSS MITIGATION OPTIONS. OTHER PROJECTS ARE HARDEST HIT FUND(HHF), NORTH CAROLINA FORECLOSURE PREVENTION FUND(FPF), OR MORTGAGE PAYMENT PROGRAM (MPP). THESE PROJECTS HELP NORTH CAROLINA HOMEOWNERS WHO HAVE LOST THEIR JOBS OR HAVE EXPERIENCED SOME OTHER TYPE OF EMPLOYMENT RELATED FINANCIAL HARDSHIP TO MAKE THEIR MORTGAGE PAYMENTS WHILE THEY LOOK FOR A JOB OR RETRAIN FOR A NEW JOB. BETWEEN JULY 1, 2017 AND JUNE 30, 2018 CESI HANDLED 23,581 PHONE CALLS FROM CONSUMERS THAT EITHER RECEIVED LETTERS FROM NCHFA OR WHO HAVE LEARNED ABOUT THE FPF PROGRAM VIA THE WEBSITE NCFORECLOSUREPREVENTION.GOV OR OTHER TYPE OF MARKETING THAT HAS BEEN DONE FOR THE PROGRAM.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0380095
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IRS990/ProgSrvcAccomActyOtherGrp/Desc0BANKRUPTCY COUNSELING - CESI OFFERS BANKRUPTCY COUNSELING FOR INDIVIDUALS IN NEED OF EITHER PRE-FILING CREDIT COUNSELING OR POST-FILING DEBTOR EDUCATION. BEFORE AN INDIVIDUAL FILES FOR CHAPTER 7 OR CHAPTER 13 BANKRUPTCY, A CREDIT COUNSELING CERTIFICATE FROM AN EOUST APPROVED AGENCY IS REQUIRED. CESI PROVIDES THE REQUIRED COUNSELING FOR OUR CLIENTS IN ORDER TO OBTAIN THE CERTIFICATE. THIS CAN BE DONE BOTH ONLINE AND BY PHONE. AFTER COMPLETING THE CREDIT COUNSELING AND FILING FOR BANKRUPTCY, INDIVIDUALS ARE REQUIRED TO COMPLETE A DEBTOR EDUCATION COURSE BY AN EOUST APPROVED PROVIDER. THIS COURSE IS OFFERED BOTH ONLINE AND BY PHONE. BOTH PRE-CREDIT COUNSELING AND POST-CREDIT COUNSELING ARE PERFORMED BY CERTIFIED COUNSELORS.
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt224313
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0INTANGIBLE PROPERTY
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NONQUALIFIED RETIREMENT PLAN ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2SECURITY DEPOSITS
IRS990ScheduleD/OtherExpensesIncludedAmt022079
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IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt05458
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0CESI OFFERS DEBT MANAGEMENT PROGRAMS TO ASSIST CLIENTS IN PAYING THEIR UNSECURED DEBTS FUNDS RECIEVED FROM CLIENTS PARTICIPATING IN THE DEBT MANAGEMENT PROGRAM ARE DEPOSITED INTO VARIOUS DEPOSITORY ACCOUNTS AND IN TO A SEPARATE FOR THE BENEFIT OF OTHER ACCOUNT (THE "FBO ACCOUNT") ON A DAILY BASIS. FUNDS RESIDING IN THE FBO ACCOUNTS ARE DISBURSED TO CESI'S OPERATING ACCOUNT AS CONTRIBUTIONS MADE TO CESI BY CREDITORS AND/OR CLIENTS. CERTAIN STATES REQUIRE THAT CLIENTS FUNDS BE HELD IN A DEPOSITORY ACCOUNT WITHIN THAT STATE UNTIL THE RESPECTICVE CREDITORS ARE PAID. IN THIS SITUATION CREDITORS ARE PAID FROM MONIES FROM THIS STATE'S DEPOSITORY ACCOUNT. INTEREST INCOME EARNED ON FUNDS HELD IN THE VARIOUS RESTRICTED ACCOUNTS IS USED TO PAY FOR BANK FEES AND OTHER EXPENSES. CESI IS RESPONSIBLE FOR ANY EXCESS EXPENSE ARISING FROM THE ACTIVITIES OF THESE ACCOUNTS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1CESI HAS ADOPTED THE PROVISIONS OF FASB ASX 740-10-25, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. UNDER THIS PROVISION, AN ORGANIZATION MUST RECOGNIZE THE TAX BENEFIT ASSOCIATED WITH TAX PROVISIONS FOR THE TAX RETURN PURPOSES WHEN IT IS MORE LIKELY THAN NOT THE POSITION WILL BE SUSTAINED. THE IMPLEMENTATION OF THIS STANDARD HAS HAD NO IMPACT ON CESI'S FINANCIAL STATEMENT. CURRENTLY, THE 2015, 2016, AND 2017 TAX YEARS ARE OPEN AND SUBJECT TO EXAMINATION BY THE TAXING AUTHORITIES. CESI DOES NOT BELIEVE THERE ARE ANY MATERIAL UNCERTAIN TAX POSITIONS AND, ACCORDINGLY, IT HAS NOT RECOGNIZED ANY LIABILITIES FOR THE UNRECOGNIZED TAX BENEFIT.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2INCOME ON CLC 990 926
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3EXPENSES ON CLC 990 22,079
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt4GRANT TO CLC 250,100
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 3, PART X
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2SCHEDULE D, PAGE 4, PART XI, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc3SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc4SCHEDULE D, PAGE 4, PART XII, LINE 4B
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt02591242
IRS990ScheduleD/TotalExpensesPerForm990Amt09011799
IRS990ScheduleD/TotalLiabilityAmt0366929
IRS990ScheduleD/TotalRevenuePerForm990Amt08538797
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08762536
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08783778
IRS990ScheduleI/GrantRecordsMaintainedInd0true
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IRS990ScheduleI/RecipientTable/IRCSectionDesc03
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0LAUNCH ORGANIZATION
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0COMMUNITY LOAN CENTER OF THE NC
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine2Txt0TRIANGLE INC
IRS990ScheduleI/RecipientTable/RecipientEIN0823990062
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt03700 BARRETT DRIVE
IRS990ScheduleI/RecipientTable/USAddress/CityNm0RALEIGH

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$23,375,411
Liabilities
$2,406,233
Net assets
$20,969,178
Revenue
$8,538,797
Expenses
$9,011,799
Net income
-$473,002
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