Civic Intelligence

Cents Ability Inc.

990EZ • Fiscal year 2016 • EIN 74-3113057

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 15, 2017

Organization ProfileCENTS-ABILITY.ORG
245 Park Avenue No 5flNew York, NY 10167

(212) 278-6144

Siviq Scores

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

Liabilities / Assets

50th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2016 filings • NTEE S • <$500k nonprofits • Source year 2016

Liabilities / Revenue

49th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2016 filings • NTEE S • <$500k nonprofits • Source year 2016

Net Margin

85th percentile

30%

Higher net margin than 85% of similar nonprofits.

2016 filings • NTEE S • <$500k nonprofits • Source year 2016

Top Officer Pay

90th percentile

$58,846

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 33.4% of source-year revenue.

2016 filings • NTEE S • <$500k nonprofits • Source year 2016

Asset Growth

84th percentile

41%

Faster asset growth than 84% of similar nonprofits.

2016 filings • NTEE S • <$500k nonprofits • Annualized from 2014 to 2016

Revenue Growth

97th percentile

191%

Faster revenue growth than 97% of similar nonprofits.

2016 filings • NTEE S • <$500k nonprofits • Annualized from 2014 to 2016

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$134,049

Up $66,470 (+98%) from 2014

Net Assets

Up

$134,049

Up $66,904 (+100%) from 2014

Liabilities

Down

$0

Down $434 (-100%) from 2014

Revenue And Expenses
Liabilities / Revenue49th percentileNet Margin85th percentile

Revenue

Up

$176,168

Up $155,372 (+747%) from 2014

Expenses

Up

$123,230

Up $59,045 (+92%) from 2014

Net Income

Up

$52,938

Up $96,327 (+222%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth84th percentile

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

$150K$100K$50K$0Assets 2011: $103,474Liabilities 2011: $0Net Assets 2011: $103,4742011Assets 2012: $121,808Liabilities 2012: $110Net Assets 2012: $121,6982012Assets 2013: $111,394Liabilities 2013: $860Net Assets 2013: $110,5342013Assets 2014: $67,579Liabilities 2014: $434Net Assets 2014: $67,1452014Assets 2016: $134,049Liabilities 2016: $0Net Assets 2016: $134,0492016Assets 2017: $124,750Liabilities 2017: $1,000Net Assets 2017: $123,7502017Assets 2018: $102,215Liabilities 2018: $442Net Assets 2018: $101,7732018Assets 2019: $100,821Liabilities 2019: $33,368Net Assets 2019: $67,4532019Assets 2020: $86,737Liabilities 2020: $5,490Net Assets 2020: $81,2472020

Highlighted filing

2016

Assets$134,049
Liabilities$0
Net Assets$134,049
Open 2016 Filing

Operations Trend

Revenue Growth97th percentile

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

$400K$200K$0-$200KRevenue 2011: $73,053Expenses 2011: $44,710Net Income 2011: $28,3432011Revenue 2012: $50,725Expenses 2012: $32,501Net Income 2012: $18,2242012Revenue 2013: $60,414Expenses 2013: $71,578Net Income 2013: -$11,1642013Revenue 2014: $20,796Expenses 2014: $64,185Net Income 2014: -$43,3892014Revenue 2016: $176,168Expenses 2016: $123,230Net Income 2016: $52,9382016Revenue 2017: $144,091Expenses 2017: $154,390Net Income 2017: -$10,2992017Revenue 2018: $297,617Expenses 2018: $318,984Net Income 2018: -$21,3672018Revenue 2019: $330,889Expenses 2019: $365,209Net Income 2019: -$34,3202019Revenue 2020: $391,670Expenses 2020: $377,976Net Income 2020: $13,6942020

Highlighted filing

2016

Revenue$176,168
Expenses$123,230
Net Income$52,938
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 15, 2017
Return Version
2016v3.0
Gross Receipts
$176,168
Mission and Program Overview

Mission

Teach fundamentals of personal finance to high school children.

Program Services

DescriptionGrantsExpenses
PERSONAL FINANCE EDUCATION PROGRAM: SERVES STUDENTS AT VARIOUS NYC HIGH SCHOOLS THROUGH ON-SITE WORKSHOPS PREPARED AND TAUGHT BY VOLUNTEER TEACHERS FROM THEIR LOCAL FINANCE AND PROFESSIONAL COMMUNITIES AND BY OUR EXECUTIVE DIRECTOR.$0$123,230
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
COLLEEN GEARNSExecutive Director-2016FT$58,846-$58,846
ALEXA DU PONT BELLChairman-$0--
CONNER MCGEEDirector-$0--
BRADEN FERRARIDirector-$0--
LISE JONESDirector-$0--
MARK KAPLANDirector-$0--
ROY PAULExecutive Director-2017FT$0--
Filing and Contact Details

Filer

Filer Name
Cents Ability Inc
EIN
74-3113057
Phone
2122786144
Address
245 PARK AVENUE NO 5FL, NEW YORK, NY 10167

Signing Officer

Name
Conner Mcgee
Title
Treasurer
Phone
2122786144
Signed
2017-10-15
Discuss with paid preparer
Yes

Preparer

Firm
Skody Scot & Co Cpas Pc
Address
520 EIGHTH AVE SUITE 2200, NEW YORK, NY 10018
Preparer
William Skody
Phone
2129671100
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16 - Other Expenses

“Description: program expense. Amount: 8,604. Description: payroll service fee. Amount: 2,217. Total to form 990-ez, line 16: 10,821.”

Raw XML Appendix174 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
IRS990EZ/ActivitiesNotPreviouslyRptInd00
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IRS990EZ/BooksInCareOfDetail/PhoneNum02122786144
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0245 PARK AVENUE NO 5FL
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0NEW YORK
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd010167
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt081111
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0134049
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt0176168
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt052938
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt081111
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0134049
IRS990EZ/GrossReceiptsAmt0176168
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/LobbyingActivitiesInd00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt081111
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0134049
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt081111
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0134049
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt540.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt640.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt658846
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0ALEXA DU PONT BELL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1CONNER MCGEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2BRADEN FERRARI
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3LISE JONES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4MARK KAPLAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5ROY PAUL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6COLLEEN GEARNS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0CHAIRMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5EXECUTIVE DIRECTOR-2017
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6EXECUTIVE DIRECTOR-2016
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt010821
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TEACH FUNDAMENTALS OF PERSONAL FINANCE TO HIGH SCHOOL CHILDREN.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0PERSONAL FINANCE EDUCATION PROGRAM: SERVES STUDENTS AT VARIOUS NYC HIGH SCHOOLS THROUGH ON-SITE WORKSHOPS PREPARED AND TAUGHT BY VOLUNTEER TEACHERS FROM THEIR LOCAL FINANCE AND PROFESSIONAL COMMUNITIES AND BY OUR EXECUTIVE DIRECTOR.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0123230
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SalariesOtherCompEmplBnftAmt0112409
IRS990EZ/SchoolOperatingInd00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NY
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt0123230
IRS990EZ/TotalProgramServiceExpensesAmt0123230
IRS990EZ/TotalRevenueAmt0176168
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0CENTS-ABILITY.ORG
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0176168
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt099325
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt085796
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt053851
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt050725
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0465865
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt02
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt02
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt06561
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.47650
IRS990ScheduleA/PublicSupportPY170Pct00.42480
IRS990ScheduleA/PublicSupportTotal170Amt0221999
IRS990ScheduleA/SubstantialContributorsTotAmt0243866
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0176168
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt099325
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt085796
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt053851
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt050725
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0465865
IRS990ScheduleA/TotalSupportAmt0465867
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
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: PROGRAM EXPENSE. AMOUNT: 8,604. DESCRIPTION: PAYROLL SERVICE FEE. AMOUNT: 2,217. TOTAL TO FORM 990-EZ, LINE 16: 10,821.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02018-03-14 21:41:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CONNER MCGEE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum02122786144
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-10-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CENTS ABILITY INC
ReturnHeader/Filer/BusinessNameControlTxt0CENT
ReturnHeader/Filer/EIN0743113057
ReturnHeader/Filer/PhoneNum02122786144
ReturnHeader/Filer/USAddress/AddressLine1Txt0245 PARK AVENUE NO 5FL
ReturnHeader/Filer/USAddress/CityNm0NEW YORK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd010167
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0524995AEA7416BCA38FCF03620F6B30226AC6735
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0524995AEA7416BCA38FCF03620F6B30226AC6735
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt038.122.225.90
ReturnHeader/FilingSecurityInformation/IPDt02017-10-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm012:28:18
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0133597814
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SKODY SCOT & CO CPAS PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0520 EIGHTH AVE SUITE 2200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NEW YORK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd010018
ReturnHeader/PreparerPersonGrp/PhoneNum02129671100
ReturnHeader/PreparerPersonGrp/PreparationDt02017-10-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0WILLIAM SKODY
ReturnHeader/ReturnTs02017-10-15T11:28:13-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$134,049
Liabilities
$0
Net assets
$134,049
Revenue
$176,168
Expenses
$123,230
Net income
$52,938
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.87$0.05$0.81$3.92$3.78$0.14
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.01$0.33$0.67$3.31$3.65$0.34
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.02$0.00$1.02$2.98$3.19$0.21
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.25$0.01$1.24$1.44$1.54$0.10
2016Detailed filing. Detailed filing data is available for this year.$1.34$0.00$1.34$1.76$1.23$0.53
2014Detailed filing. Detailed filing data is available for this year.$0.68$0.00$0.67$0.21$0.64$0.43
2013Detailed filing. Detailed filing data is available for this year.$1.11$0.01$1.11$0.60$0.72$0.11
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.22$0.00$1.22$0.51$0.33$0.18
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.03$0.00$1.03$0.73$0.45$0.28