Civic Intelligence

Consumer Education Services Inc.

990 • Fiscal year 2022 • EIN 56-2106758

Jul 01, 2021 to Jun 30, 2022 • Filed on Feb 21, 2023

Organization ProfileWWW.CESISOLUTIONS.ORG

View Organization Page

3724 National Drive Suite 220Raleigh, NC 27612

(919) 861-5324

Siviq Scores

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

Liabilities / Assets

20th percentile

0.04x

Higher debt load relative to assets than 20% of similar nonprofits.

2022 filings • NTEE P • $10M-$25M nonprofits • Source year 2022

Liabilities / Revenue

35th percentile

0.13x

Higher debt load relative to revenue than 35% of similar nonprofits.

2022 filings • NTEE P • $10M-$25M nonprofits • Source year 2022

Net Margin

86th percentile

28%

Higher net margin than 86% of similar nonprofits.

2022 filings • NTEE P • $10M-$25M nonprofits • Source year 2022

Top Officer Pay

73rd percentile

$274,739

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 3.6% of source-year revenue.

2022 filings • NTEE P • $10M-$25M nonprofits • Source year 2022

Asset Growth

9th percentile

-13%

Faster asset growth than 9% of similar nonprofits.

2022 filings • NTEE P • $10M-$25M nonprofits • Annualized from 2021 to 2022

Revenue Growth

52nd percentile

5.9%

Faster revenue growth than 52% of similar nonprofits.

2022 filings • NTEE P • $10M-$25M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets20th percentile

Assets

Down

$23,360,630

Down $3,435,152 (-13%) from 2021

Net Assets

Down

$22,381,075

Down $2,643,989 (-11%) from 2021

Liabilities

Down

$979,555

Down $791,163 (-45%) from 2021

Revenue And Expenses
Liabilities / Revenue35th percentileNet Margin86th percentile

Revenue

Up

$7,529,671

Up $417,036 (+5.9%) from 2021

Expenses

Down

$5,423,064

Down $1,384,353 (-20%) from 2021

Net Income

Up

$2,106,607

Up $1,801,389 (+590%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth9th 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

2022

Assets$23,360,630
Liabilities$979,555
Net Assets$22,381,075
Open 2022 Filing

Operations Trend

Revenue Growth52nd 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

2022

Revenue$7,529,671
Expenses$5,423,064
Net Income$2,106,607
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2021 to Jun 30, 2022
Signed
Feb 21, 2023
Return Version
2021v4.2
Gross Receipts
$13,325,332
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.

Consumer education services, inc. Empowers people to overcome their financial challenges and lead financially-healthy lives.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$18,395,778$18,526,448▲ $130,670
Cash and Non-Interest-Bearing Accounts$4,076,764$2,686,798▼ $1,389,966
Accounts Receivable-$327,480-
Land, Buildings, and Equipment, Net$1,029,702$82,963▼ $946,739
Prepaid Expenses and Deferred Charges$55,110$53,471▼ $1,639
Pledges and Grants Receivable$333,845$32,300▼ $301,545
Savings and Temporary Cash Investments$30,373$30,376▲ $3
Total Assets$26,795,782$23,360,630▼ $3,435,152
Other Assets Total$2,874,210$1,620,794▼ $1,253,416
Liabilities
Escrow Account Liability$492,968$367,294▼ $125,674
Accounts Payable and Accrued Expenses$326,496$248,061▼ $78,435
Unsecured Notes Loans Payable$793,400$200,000▼ $593,400
Deferred Revenue-$129,790-
Other Liabilities$157,854$34,410▼ $123,444
Total Liabilities$1,770,718$979,555▼ $791,163
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$24,812,564$22,348,775▼ $2,463,789
Net Assets With Donor Restrictions$212,500$32,300▼ $180,200
Total Net Assets Fund Balance$25,025,064$22,381,075▼ $2,643,989
Total Liabilities and Net Assets / Fund Balance$26,795,782$23,360,630▼ $3,435,152

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$67,354$27,671$95,025
Other Land Buildings$15,609$28,989$44,598
Buildings$0--
Other Assets Org$377,350--
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael CroxsonPresident/CEOPT$235,952$38,787$274,739
Jean EliasVice President of MarketinFT$159,926$6,982$166,908
Steven ColeTreasurerFT$102,980$15,147$118,127

Board Members and Trustees

NameTitle
Diane ChenChairman / Secretary
Alexis NelsonBoard Member
Naveed IftikharBoard Member
Robert FitzgeraldBoard Member
Wayne StallingsBoard Member

Highest Paid Contractors

ContractorServicesLocationCompensation
Envoy MediaMarketing30721 RUSSELL RANCH RD STE 140, Westlake Village, CA 91362$141,366
Revenue and Support

Revenue Composition

Contributions and Grants
$2,037,006
Program Service Revenue
$2,799,972
Investment Income
$2,624,141
Other Revenue
$68,552
All Other Contributions
$1,243,606
Change in Net Assets
$2,106,607
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,926,176
Other Expenses$2,046,888
Grants and Similar Amounts Paid$450,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,716,602$177,728-$1,894,330
Current Officers, Directors, Trustees, and Key Employees$105,090$420,363-$525,453
Advertising$456,794$4,823-$461,617
Grants to Domestic Orgs$450,000--$450,000
Other Employee Benefits$267,120$48,650-$315,770
Office Expenses$187,514$46,879-$234,393
Payroll Taxes$144,849$45,774-$190,623
Information Technology$111,175$27,794-$138,969
All Other Expenses$124,675$13,845-$138,520
Fees for Service Investment Mgmnt Fees-$114,099-$114,099
Other Expenses$81,402$16,386-$81,402
Fees for Services Other$39,700$39,700-$79,400
Insurance$46,439$11,610-$58,049
Occupancy$35,000$8,750-$43,750
Fees for Services Accounting-$36,625-$36,625
Depreciation Depletion$23,719$4,186-$27,905
Travel$13,134$3,283-$16,417
Conferences and Meetings$977$244-$1,221
Interest-$123-$123
Total Functional Expenses$4,344,328$1,078,736$0$5,423,064
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Carolina Community Impact IncRaleigh, NC-To Support Cci.$450,000
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 Liabilites$34,410
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 35% controlled entity
No
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, Part VI, Section B, Line 11B

“Organization's process to review form 990 - 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, Part VI, Section B, Line 12C

“Enforcement of conflicts policy 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 interest require immediate disclosure.”

Form 990, Part VI, Section B, Line 15

“Compensation process for top officials - the board of directors generally determines and reviews the salary of the president and ceo. Compensation process for officers - the board of directors generally determines and reviews the salary of key employees.”

Form 990, Part VI, Section C, Line 18

“GUIDESTAR.ORG”

Form 990, Part VI, Section C, Line 19

“Governing documents disclosure explanation 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
9198615324
Address
3724 NATIONAL DRIVE SUITE 220, RALEIGH, NC 27612

Signing Officer

Name
Steven Cole
Title
Treasurer
Phone
9198615324
Signed
2023-02-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steven Cole
Formed
1988
Legal Domicile
Nc
Voting Board Members
5
Independent Board Members
5
Employees
86
Volunteers
20

Preparer

Firm
Blackman & Sloop Cpas Pa
Address
1414 RALEIGH RD SUITE 300, CHAPEL HILL, NC 27517
Preparer
Robert Lewis
Phone
9199428700
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Impairment loss -1,000,000.”

FORM 990, PART XII, LINE 2C:

“The finance committee assumes responsibility for oversight of the audit and selection of an independent accountant.”

Financial Statement Notes

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 respective 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.”

Raw XML AppendixShowing 400 of 616 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.

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IRS990/InformationTechnologyGrp/TotalAmt0138969
IRS990/InsuranceGrp/ManagementAndGeneralAmt011610
IRS990/InsuranceGrp/ProgramServicesAmt046439
IRS990/InsuranceGrp/TotalAmt058049
IRS990/InterestGrp/ManagementAndGeneralAmt0123
IRS990/InterestGrp/TotalAmt0123
IRS990/InvestmentIncomeGrp/ExclusionAmt0439332
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0439332
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt018395778
IRS990/InvestmentsPubTradedSecGrp/EOYAmt018526448
IRS990/IRPDocumentCnt03
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt056660
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01029702
IRS990/LandBldgEquipBasisNetGrp/EOYAmt082963
IRS990/LandBldgEquipCostOrOtherBssAmt0139623
IRS990/LegalDomicileStateCd0NC
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt01126880
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt04668781
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0CONSUMER EDUCATION SERVICES, INC. EMPOWERS PEOPLE TO OVERCOME THEIR FINANCIAL CHALLENGES AND LEAD FINANCIALLY-HEALTHY LIVES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt025025064
IRS990/NetAssetsOrFundBalancesEOYAmt022381075
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt02184809
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt02184809
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-3750596
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt024812564
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt022348775
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt08750
IRS990/OccupancyGrp/ProgramServicesAmt035000
IRS990/OccupancyGrp/TotalAmt043750
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt046879
IRS990/OfficeExpensesGrp/ProgramServicesAmt0187514
IRS990/OfficeExpensesGrp/TotalAmt0234393
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02874210
IRS990/OtherAssetsTotalGrp/EOYAmt01620794
IRS990/OtherChangesInNetAssetsAmt0-1000000
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt048650
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0267120
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0315770
IRS990/OtherExpensesGrp/Desc0CREDIT COUNSELING
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc2BANK FEES
IRS990/OtherExpensesGrp/Desc3BANKRUPTCY COUNSELING
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt057874
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt116386
IRS990/OtherExpensesGrp/ProgramServicesAmt0319411
IRS990/OtherExpensesGrp/ProgramServicesAmt1109978
IRS990/OtherExpensesGrp/ProgramServicesAmt2110749
IRS990/OtherExpensesGrp/ProgramServicesAmt381402
IRS990/OtherExpensesGrp/TotalAmt0319411
IRS990/OtherExpensesGrp/TotalAmt1167852
IRS990/OtherExpensesGrp/TotalAmt2127135
IRS990/OtherExpensesGrp/TotalAmt381402
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt0157854
IRS990/OtherLiabilitiesGrp/EOYAmt034410
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS
IRS990/OtherRevenueMiscGrp/ExclusionAmt068552
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt068552
IRS990/OtherRevenueTotalAmt068552
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0177728
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01716602
IRS990/OtherSalariesAndWagesGrp/TotalAmt01894330
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt045774
IRS990/PayrollTaxesGrp/ProgramServicesAmt0144849
IRS990/PayrollTaxesGrp/TotalAmt0190623
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0333845
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt032300
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt055110
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt053471
IRS990/PrincipalOfficerNm0STEVEN COLE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522298
IRS990/ProgramServiceRevenueGrp/BusinessCd1531390
IRS990/ProgramServiceRevenueGrp/BusinessCd2531390
IRS990/ProgramServiceRevenueGrp/BusinessCd3541990
IRS990/ProgramServiceRevenueGrp/Desc0DEBT MANAGEMENT PROGRAM
IRS990/ProgramServiceRevenueGrp/Desc1HOUSING STABILITY
IRS990/ProgramServiceRevenueGrp/Desc2HOUSING SERVICES
IRS990/ProgramServiceRevenueGrp/Desc3COUNSELING PROGRAMS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01780240
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1437930
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2340704
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3241098
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01780240
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1437930
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2340704
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3241098
IRS990/ProgSrvcAccomActy2Grp/Desc0THE HUD HOUSING PROGRAM OFFERS A WIDE VARIETY OF HOUSING COUNSELING SERVICES TO POTENTIAL HOMEBUYERS, RENTERS AND CURRENT HOMEOWNERS. THESE SERVICES INCLUDE EDUCATION THROUGH GROUP SESSIONS AND ON-ON-ONE COUNSELING. THE AREAS OF FOCUS ARE PRE-PURCHASE EDUCATION AND COUNSELING, RENTAL COUNSELING, FORECLOSURE PREVENTION COUNSELING, AND REVERSE MORTGAGE COUNSELING. CESI PROVIDED HOUSING STABILITY COUNSELING PROGRAM WITH ASSISTANCE TO 1,207 HOMEOWERS AND RENTERS BY REACHING OUT TO LOAN SERVICERS, LANDLORDS, EMERGENCY RENTAL ASSISTANCE FUNDERS, AND LOCAL/STATE HOUSING ASSISTANCE FUNDING PROGRAMS. CLIENTS WERE ALSO ASSISTED WITH BUDGETING NEEDS AND CREDIT REVIEW AND RECOMMENDATIONS AS WARRANTED.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0478874
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0778634
IRS990/ProgSrvcAccomActy3Grp/Desc0COMMUNITY 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 EFFORT IS IN THE FORM OF FREE INDIVIDUAL FINANCIAL COUNSELING AT THE CESI CENTER WITH AN ACCREDITED CESI COUNSELOR. DURING THE YEAR ENDED JUNE 30, 2022, CESI CONDUCTED 58 CLASSES ASSISTING APPROXIMATELY 729 INDIVIDUALS. 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 CURRICULAM 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 ON ON-LINE COMMUNITY MESSAGE BOARDS, AS WELL AS VARIOUS E-LEARNING RESOURCES SUCH AS VIDEO WEBCASTS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0331904
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 EXECUTIVE OFFICE FOR UNITED STATES TRUSTEES ( 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.CESI ALSO PROVIDES SUPPORT OF THE CAROLINA COMMUNITY IMPACT, INC'S PROGRAMS.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt0743375
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt0450000
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt0241098
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt02336133
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt0250000
IRS990/PYInvestmentIncomeAmt01271210
IRS990/PYOtherExpensesAmt02394215
IRS990/PYOtherRevenueAmt069922
IRS990/PYProgramServiceRevenueAmt03435370
IRS990/PYRevenuesLessExpensesAmt0305218
IRS990/PYSalariesCompEmpBnftPaidAmt04163202
IRS990/PYTotalExpensesAmt06807417
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07112635
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt02106607
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01780240
IRS990/SavingsAndTempCashInvstGrp/BOYAmt030373
IRS990/SavingsAndTempCashInvstGrp/EOYAmt030376
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0OTHER MISCELLANEOUS INCOME - 2019 AMOUNT: $ 80,913. 2020 AMOUNT: $ 69,922. 2021 AMOUNT: $ 68,552.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME:
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt02037006
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt02336133
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01771841
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01794060
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt01900594
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt09839634
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0439332
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0374388
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0526873
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0486171
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0627790
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt02454554
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt068552
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt069922
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt080913
IRS990ScheduleA/OtherIncome170Grp/TotalAmt0219387
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.59510
IRS990ScheduleA/PublicSupportPY170Pct00.60530
IRS990ScheduleA/PublicSupportTotal170Amt07447083
IRS990ScheduleA/SubstantialContributorsTotAmt02392551
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt02037006
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt02336133
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01771841
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01794060
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt01900594
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt09839634
IRS990ScheduleA/TotalSupportAmt012513575
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt067354
IRS990ScheduleD/EquipmentGrp/DepreciationAmt027671
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt095025
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt01200000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt134410
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt29034
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3377350
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0INTANGIBLE PROPERTY
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NONQUALIFIED RETIREMENT PLAN ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2SECURITY DEPOSITS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3FUNDS HELD ON BEHALF OF OTHERS
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt015609
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt028989
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt044598
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt034410
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0NONQUALIFIED RETIREMENT PLAN LIABILITES
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 RESPECTIVE 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/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt082963

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$23,360,630
Liabilities
$979,555
Net assets
$22,381,075
Revenue
$7,529,671
Expenses
$5,423,064
Net income
$2,106,607
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