Civic Intelligence

Keystone Challenge Fund Inc.

990 • Fiscal year 2020 • EIN 59-3084372

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 28, 2021

Organization ProfileKEYSTONECHALLENGE.ORG
4200 S Florida AvenueLakeland, FL 33813

(863) 682-1025

Siviq Scores

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

Liabilities / Assets

67th percentile

0.26x

Higher debt load relative to assets than 67% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

79th percentile

0.58x

Higher debt load relative to revenue than 79% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Net Margin

21st percentile

-12%

Higher net margin than 21% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

76th percentile

$118,446

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 18.8% of source-year revenue.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Asset Growth

14th percentile

-5.2%

Faster asset growth than 14% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

76th percentile

22%

Faster revenue growth than 76% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets67th percentile

Assets

Down

$1,407,064

Down $77,248 (-5.2%) from 2019

Net Assets

Down

$1,041,886

Down $75,876 (-6.8%) from 2019

Liabilities

Down

$365,178

Down $1,372 (-0.4%) from 2019

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin21st percentile

Revenue

Up

$630,461

Up $114,702 (+22%) from 2019

Expenses

Down

$706,337

Down $62,215 (-8.1%) from 2019

Net Income

Up

-$75,876

Up $176,917 (+70%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth14th percentile

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

$15M$10M$5.0M$0Assets 2009: $5,872,491Liabilities 2009: $5,601,078Net Assets 2009: $271,4132009Assets 2010: $10,216,403Liabilities 2010: $9,759,416Net Assets 2010: $456,9872010Assets 2011: $6,397,770Liabilities 2011: $5,959,760Net Assets 2011: $438,0102011Assets 2012: $7,326,658Liabilities 2012: $6,860,286Net Assets 2012: $466,3722012Assets 2013: $6,129,217Liabilities 2013: $4,062,272Net Assets 2013: $2,066,9452013Assets 2014: $7,475,902Liabilities 2014: $3,745,350Net Assets 2014: $3,730,5522014Assets 2015: $5,266,327Liabilities 2015: $2,908,130Net Assets 2015: $2,358,1972015Assets 2016: $3,944,208Liabilities 2016: $1,989,396Net Assets 2016: $1,954,8122016Assets 2017: $3,263,159Liabilities 2017: $1,287,390Net Assets 2017: $1,975,7692017Assets 2018: $2,140,427Liabilities 2018: $769,872Net Assets 2018: $1,370,5552018Assets 2019: $1,484,312Liabilities 2019: $366,550Net Assets 2019: $1,117,7622019Assets 2020: $1,407,064Liabilities 2020: $365,178Net Assets 2020: $1,041,8862020Assets 2021: $1,411,927Liabilities 2021: $345,642Net Assets 2021: $1,066,2852021Assets 2022: $1,149,532Liabilities 2022: $303,333Net Assets 2022: $846,1992022Assets 2023: $954,376Liabilities 2023: $196,217Net Assets 2023: $758,1592023

Highlighted filing

2020

Assets$1,407,064
Liabilities$365,178
Net Assets$1,041,886
Open 2020 Filing

Operations Trend

Revenue Growth76th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2009: $669,993Expenses 2009: $618,080Net Income 2009: $51,9132009Revenue 2010: $885,420Expenses 2010: $699,846Net Income 2010: $185,5742010Revenue 2011: $660,559Expenses 2011: $679,536Net Income 2011: -$18,9772011Revenue 2012: $742,602Expenses 2012: $698,748Net Income 2012: $43,8542012Revenue 2013: $2,302,414Expenses 2013: $701,841Net Income 2013: $1,600,5732013Revenue 2014: $2,559,152Expenses 2014: $895,545Net Income 2014: $1,663,6072014Revenue 2015: $1,040,712Expenses 2015: $995,589Net Income 2015: $45,1232015Revenue 2016: $486,324Expenses 2016: $889,709Net Income 2016: -$403,3852016Revenue 2017: $838,488Expenses 2017: $817,532Net Income 2017: $20,9562017Revenue 2018: $563,820Expenses 2018: $759,539Net Income 2018: -$195,7192018Revenue 2019: $515,759Expenses 2019: $768,552Net Income 2019: -$252,7932019Revenue 2020: $630,461Expenses 2020: $706,337Net Income 2020: -$75,8762020Revenue 2021: $753,790Expenses 2021: $729,391Net Income 2021: $24,3992021Revenue 2022: $324,601Expenses 2022: $544,687Net Income 2022: -$220,0862022Revenue 2023: $190,341Expenses 2023: $278,382Net Income 2023: -$88,0412023

Highlighted filing

2020

Revenue$630,461
Expenses$706,337
Net Income-$75,876
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 28, 2021
Return Version
2020v4.0
Gross Receipts
$1,419,786
Mission and Program Overview

Mission

Coordinating financial assistance and educational services to individuals and families qualifying for low income and affordable housing opportunities

Provide financial assistance and educational services to qualifying applicants eligible for low income and affordable housing opportunities

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$890,122$1,134,302▲ $244,180
Accounts Receivable$333,168$158,644▼ $174,524
Inventories for Sale or Use$257,588$110,684▼ $146,904
Total Assets$1,484,312$1,407,064▼ $77,248
Other Assets Total$3,434$3,434→ $0
Liabilities
Grants Payable$342,092$363,729▲ $21,637
Other Liabilities$20,000--
Accounts Payable and Accrued Expenses$4,458$1,449▼ $3,009
Total Liabilities$366,550$365,178▼ $1,372
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,117,762$1,041,886▼ $75,876
Total Net Assets Fund Balance$1,117,762$1,041,886▼ $75,876
Total Liabilities and Net Assets / Fund Balance$1,484,312$1,407,064▼ $77,248

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$72,549$72,549
Other Land Buildings-$39,525$39,525
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Jeff BagwellPresidentFT$118,446$118,446
Beth NeimeyerVice Preside-$76,359$76,359

Board Members and Trustees

NameTitle
Al ReeseBoard Chair
Cody StaleyBoard Member
Od JonesBoard Member
Joyce BrockAdvisory Bd
Brenda VaughnAdvisory Brd
Revenue and Support

Revenue Composition

Contributions and Grants
$248,842
Program Service Revenue
$170,571
Investment Income
$956
Other Revenue
$210,092
All Other Contributions
$170,662
Change in Net Assets
$-75,876

Audited Revenue Reconciliation

Revenue per Audited Statements
$630,461
Total Revenue per Audited Statements
$630,461
Total Revenue per Form 990
$630,461
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$430,637
Other Expenses$121,612
Total Fundraising Expense$62,141
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$205,113$61,950$34,840$301,903
Benefits to Members$154,088--$154,088
Other Employee Benefits$70,934$21,424$12,049$104,407
Office Expenses$28,023$8,464$4,760$41,247
Occupancy$26,043$7,866$4,424$38,333
Payroll Taxes$16,528$4,992$2,807$24,327
Fees for Services Accounting-$12,165-$12,165
Travel$6,838$2,065$1,162$10,065
Insurance$2,860$2,466$486$5,812
Other Expenses$823$249$138$1,210
Total Functional Expenses$519,933$124,263$62,141$706,337

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$706,337
Total Expenses per Audited Statements$706,337
Total Expenses per Form 990$706,337
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“Review by executive officer”

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

“Compensation of executive director is set by board action”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Keystone Challenge Fund Inc
EIN
59-3084372
Phone
8636821025
Address
4200 S FLORIDA AVENUE, LAKELAND, FL 33813

Signing Officer

Name
Jeff Bagwell
Title
President
Phone
8636821025
Signed
2021-04-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeff Bagwell
Formed
1991
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
6
Volunteers
15

Preparer

Firm
Daryl a Johnson CPA
Address
1812 S FLORIDA AVE, LAKELAND, FL 33803
Preparer
Daryl a Johnson
Phone
8636888762
Supplemental Narrative

Additional Explanations

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

“Costs and expenditures relating to the organization's purpose for low income and affordable housing opportunities”

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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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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0272008
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt072549
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt072549
IRS990ScheduleD/ExpensesSubtotalAmt0706337
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IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt039525
IRS990ScheduleD/RevenueSubtotalAmt0630461
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0COSTS AND EXPENDITURES RELATING TO THE ORGANIZATION'S PURPOSE FOR LOW INCOME AND AFFORDABLE HOUSING OPPORTUNITIES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1REVIEW BY EXECUTIVE OFFICER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COMPENSATION OF EXECUTIVE DIRECTOR IS SET BY BOARD ACTION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalContributionsAmt0248842
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt062141
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0124263
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0519933
IRS990/TotalFunctionalExpensesGrp/TotalAmt0706337
IRS990/TotalGrossUBIAmt00
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IRS990/TotalProgramServiceExpensesAmt0519933
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IRS990/TotalReportableCompFromOrgAmt0194805
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ReturnHeader/BuildTS02022-09-23 18:48:47Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0JEFF BAGWELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08636821025
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-04-28
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01812 S FLORIDA AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LAKELAND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd033803
ReturnHeader/PreparerPersonGrp/PhoneNum08636888762
ReturnHeader/PreparerPersonGrp/PreparationDt02021-04-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DARYL A JOHNSON
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02021-04-30T10:46:11-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0JEFF
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0BAGWELL
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,407,064
Liabilities
$365,178
Net assets
$1,041,886
Revenue
$630,461
Expenses
$706,337
Net income
-$75,876
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$0.95$0.20$0.76$0.19$0.28$0.09
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.15$0.30$0.85$0.32$0.54$0.22
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.41$0.35$1.07$0.75$0.73$0.02
2020Detailed filing. Detailed filing data is available for this year.$1.41$0.37$1.04$0.63$0.71$0.08
2019Summary only. Only limited summary data is available for this year.$1.48$0.37$1.12$0.52$0.77$0.25
2018Summary only. Only limited summary data is available for this year.$2.14$0.77$1.37$0.56$0.76$0.20
2017Summary only. Only limited summary data is available for this year.$3.26$1.29$1.98$0.84$0.82$0.02
2016Summary only. Only limited summary data is available for this year.$3.94$1.99$1.95$0.49$0.89$0.40
2015Summary only. Only limited summary data is available for this year.$5.27$2.91$2.36$1.04$1.00$0.05
2014Summary only. Only limited summary data is available for this year.$7.48$3.75$3.73$2.56$0.90$1.66
2013Summary only. Only limited summary data is available for this year.$6.13$4.06$2.07$2.30$0.70$1.60
2012Summary only. Only limited summary data is available for this year.$7.33$6.86$0.47$0.74$0.70$0.04
2011Summary only. Only limited summary data is available for this year.$6.40$5.96$0.44$0.66$0.68$0.02
2010Summary only. Only limited summary data is available for this year.$10.2$9.76$0.46$0.89$0.70$0.19
2009Summary only. Only limited summary data is available for this year.$5.87$5.60$0.27$0.67$0.62$0.05