Civic Intelligence

Texas Mariners Cruising Association

990EZ • Fiscal year 2023 • EIN 76-0020643

Jan 01, 2023 to Dec 31, 2023 • Filed on Nov 08, 2024

PO Box 946Clear Lake Shores, TX 77565

(970) 486-0192

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.19x

Higher debt load relative to assets than 82% of similar nonprofits.

2023 filings • 501(c)7 • <$500k nonprofits • Source year 2023

Liabilities / Revenue

82nd percentile

0.19x

Higher debt load relative to revenue than 82% of similar nonprofits.

2023 filings • 501(c)7 • <$500k nonprofits • Source year 2023

Net Margin

62nd percentile

7.0%

Higher net margin than 62% of similar nonprofits.

2023 filings • 501(c)7 • <$500k nonprofits • Source year 2023

Top Officer Pay

93rd percentile

$0

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2023 filings • 501(c)7 • <$500k nonprofits • Source year 2023

Asset Growth

50th percentile

1.1%

Faster asset growth than 50% of similar nonprofits.

2023 filings • 501(c)7 • <$500k nonprofits • Annualized from 2022 to 2023

Revenue Growth

21st percentile

-12%

Faster revenue growth than 21% of similar nonprofits.

2023 filings • 501(c)7 • <$500k nonprofits • Annualized from 2022 to 2023

Assets

Up

$36,726

Up $384 (+1.1%) from 2022

Net Assets

Up

$29,701

Up $429 (+1.5%) from 2022

Liabilities

Down

$7,025

Down $45 (-0.6%) from 2022

Revenue

Down

$36,056

Down $4,708 (-12%) from 2022

Expenses

Down

$33,530

Down $5,542 (-14%) from 2022

Net Income

Up

$2,526

Up $834 (+49%) from 2022

Historical Trend

Balance Sheet Trend

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

$40K$30K$20K$10K$0Assets 2014: $31,618Liabilities 2014: $4,9452014Assets 2015: $38,020Liabilities 2015: $3,265Net Assets 2015: $34,7552015Assets 2016: $36,456Liabilities 2016: $3,695Net Assets 2016: $32,7612016Assets 2017: $34,525Liabilities 2017: $2,859Net Assets 2017: $31,6662017Assets 2018: $37,143Liabilities 2018: $5,178Net Assets 2018: $31,9652018Assets 2019: $34,850Liabilities 2019: $3,852Net Assets 2019: $30,9982019Assets 2020: $30,383Liabilities 2020: $62Net Assets 2020: $30,3212020Assets 2021: $35,205Liabilities 2021: $7,626Net Assets 2021: $27,5792021Assets 2022: $36,342Liabilities 2022: $7,070Net Assets 2022: $29,2722022Assets 2023: $36,726Liabilities 2023: $7,025Net Assets 2023: $29,7012023Assets 2024: $31,247Liabilities 2024: $5,499Net Assets 2024: $25,7482024

Highlighted filing

2023

Assets$36,726
Liabilities$7,025
Net Assets$29,701

Operations Trend

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

$100K$50K$0-$50KRevenue 2014: $62,448Expenses 2014: $59,792Net Income 2014: $2,6562014Revenue 2015: $74,679Expenses 2015: $66,597Net Income 2015: $8,0822015Revenue 2016: $82,732Expenses 2016: $84,860Net Income 2016: -$2,1282016Revenue 2017: $76,097Expenses 2017: $77,192Net Income 2017: -$1,0952017Revenue 2018: $58,175Expenses 2018: $57,874Net Income 2018: $3012018Revenue 2019: $71,243Expenses 2019: $72,210Net Income 2019: -$9672019Revenue 2020: $47,382Expenses 2020: $48,059Net Income 2020: -$6772020Revenue 2021: $42,757Expenses 2021: $38,324Net Income 2021: $4,4332021Revenue 2022: $40,764Expenses 2022: $39,072Net Income 2022: $1,6922022Revenue 2023: $36,056Expenses 2023: $33,530Net Income 2023: $2,5262023Revenue 2024: $29,340Expenses 2024: $33,293Net Income 2024: -$3,9532024

Highlighted filing

2023

Revenue$36,056
Expenses$33,530
Net Income$2,526
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 8, 2024
Return Version
2023v5.1
Gross Receipts
$36,635
Mission and Program Overview

Mission

Texas Mariners Cruising Association is a nonprofit social club formed in 1979 to promote cruising and related activities.

Club

Program Services

DescriptionGrantsExpenses
Program Service Accomplishments Commodores Ball - Annual formal dinner to introduce the incoming board of directors, to thank the outgoing board of directors, honor oustanding acheivements o f members.-$12,724
Program Service Accomplishments Allens Landing Cruise. This special cruise is where we take our boats from the Kemah Clear Lake Area to downtown Houston. Special permits are required due to the sensitive nature of the ports-$1,558
Program Service Accomplishments Shrimp Boil. A cruise to get together and eat together-$432
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christopher BownCommodore/PresidentPT$0--
Len MeyersVice Commodore/VPPT$0--
Mary Jane HancockRear CommodorePT$0--
Sherri DanielsPort CaptainPT$0--
Arthur TailleurCruise CaptainPT$0--
Mark WittigSecretaryPT$0--
Pete FisherTreasurerPT$0--
Lisa A JohnsonPast Commodore-$0--
Linda SchoeneWeb MasterPT$0--
Charles ParettTrustee-$0--
Doug ChappellTrustee-$0--
Jerry SimoneauxTrustee-$0--
Steve LeeTrustee-$0--
Filing and Contact Details

Filer

Filer Name
Texas Mariners Cruising Assocation
EIN
76-0020643
Phone
9704860192
Address
PO Box 946, Clear Lake Shores, TX 77565

Signing Officer

Name
Lisa Johnson
Title
Past Commodore
Phone
9704860192
Signed
2024-11-08
Discuss with paid preparer
Yes

Preparer

Firm
On the Mark Financial Services Inc
Address
2917 Auburn Creek Ln, League City, TX 77573
Preparer
Lisa Johnson
Phone
2815351040
Supplemental Narrative

Additional Explanations

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

Bank and Credit Card Fees 1,349

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

Dues and Subscriptions 250

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

Office Supplies and Expenses 281

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

Sales Tax Expense 96

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

Supplies 3,455

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

Software 76

Form 990-EZ, Part I, Line 20, Net Assets

Change in inventory -2,097

Form 990-EZ, Part II, Line 24, Other Assets

Inventory Beginning of year 2,320, End of year 427

Form 990-EZ, Part II, Line 24, Other Assets

Undeposited Funds Beginning of year 310, End of year 195

Form 990-EZ, Part II, Line 24, Other Assets

Prepaid Expenses Beginning of year 1,000, End of year 500

Form 990-EZ, Part II, Line 24, Other Assets

Beginning of year 161, End of year 0

Form 990-EZ, Part II, Line 26, Liabilities

Prepaid Membership Dues Beginning of year 7,018, End of year 7,025

Form 990-EZ, Part II, Line 26, Liabilities

Sales Tax Payable Beginning of year 52, End of year 0

Raw XML Appendix177 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/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BenefitsPaidToOrForMembersAmt016028
IRS990EZ/BooksInCareOfDetail/PersonNm0Rick Heussner
IRS990EZ/BooksInCareOfDetail/PhoneNum02817287482
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01112 S Kemah Dr
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Kemah
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd077565
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt032551
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt035604
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/CostOfGoodsSoldAmt0579
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt02526
IRS990EZ/FiledScheduleAInd0false
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form720FiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt036342
IRS990EZ/Form990TotalAssetsGrp/EOYAmt036726
IRS990EZ/GrossProfitLossSlsOfInvntryAmt0716
IRS990EZ/GrossReceiptsAmt036635
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/GrossSalesOfInventoryAmt01295
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt01
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt020546
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt029272
IRS990EZ/NetAssetsOrFundBalancesEOYAmt029701
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt029272
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt029701
IRS990EZ/OccupancyRentUtltsAndMaintAmt09162
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0008.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1005.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt2005.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt3005.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt4005.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt5005.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt6005.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt7002.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt8005.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt9002.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10002.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11002.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt12002.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt100
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt110
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt120
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Christopher Bown
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Len Meyers
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Mary Jane Hancock
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Sherri Daniels
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Arthur Tailleur
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5Mark Wittig
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6Pete Fisher
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7Lisa A Johnson
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8Linda Schoene
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9Charles Parett
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm10Doug Chappell
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm11Jerry Simoneaux
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm12Steve Lee
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Commodore/President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Vice Commodore/VP
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Rear Commodore
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Port Captain
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Cruise Captain
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7Past Commodore
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8Web Master
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9Trustee
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt10Trustee
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt11Trustee
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt12Trustee
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt03791
IRS990EZ/OtherAssetsTotalDetail/EOYAmt01122
IRS990EZ/OtherChangesInNetAssetsAmt0-2097
IRS990EZ/OtherExpensesTotalAmt05507
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Club
IRS990EZ/PrintingPublicationsPostageAmt02833
IRS990EZ/ProgramServiceRevenueAmt014793
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Program Service Accomplishments Commodores Ball - Annual formal dinner to introduce the incoming board of directors, to thank the outgoing board of directors, honor oustanding acheivements o f members.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1Program Service Accomplishments Allens Landing Cruise. This special cruise is where we take our boats from the Kemah Clear Lake Area to downtown Houston. Special permits are required due to the sensitive nature of the ports
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2Program Service Accomplishments Shrimp Boil. A cruise to get together and eat together
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt012724
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt11558
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt2432
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt07070
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt07025
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt033530
IRS990EZ/TotalProgramServiceExpensesAmt014714
IRS990EZ/TotalRevenueAmt036056
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0texasmariners.com
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Bank and Credit Card Fees 1,349
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Dues and Subscriptions 250
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Office Supplies and Expenses 281
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Sales Tax Expense 96
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Supplies 3,455
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Software 76
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Change in inventory -2,097
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Inventory Beginning of year 2,320, End of year 427
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Undeposited Funds Beginning of year 310, End of year 195
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Prepaid Expenses Beginning of year 1,000, End of year 500
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Beginning of year 161, End of year 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Prepaid Membership Dues Beginning of year 7,018, End of year 7,025
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Sales Tax Payable Beginning of year 52, End of year 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990-EZ, Part I, Line 20, Net Assets
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990-EZ, Part II, Line 24, Other Assets
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990-EZ, Part II, Line 24, Other Assets
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990-EZ, Part II, Line 24, Other Assets
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990-EZ, Part II, Line 24, Other Assets
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990-EZ, Part II, Line 26, Liabilities
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990-EZ, Part II, Line 26, Liabilities
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Lisa Johnson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Past Commodore
ReturnHeader/BusinessOfficerGrp/PhoneNum09704860192
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-11-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Texas Mariners Cruising Assocation
ReturnHeader/Filer/BusinessNameControlTxt0TEXA
ReturnHeader/Filer/EIN0760020643
ReturnHeader/Filer/PhoneNum09704860192
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 946
ReturnHeader/Filer/USAddress/CityNm0Clear Lake Shores
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd077565
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202149755
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0On the Mark Financial Services Inc
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02917 Auburn Creek Ln
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0League City
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd077573
ReturnHeader/PreparerPersonGrp/PhoneNum02815351040
ReturnHeader/PreparerPersonGrp/PreparationDt02024-11-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Lisa Johnson
ReturnHeader/ReturnTs02024-11-08T10:17:04-00:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2023 filings • 501(c)7 • <$500k nonprofits