Civic Intelligence

Senior Serve

990 • Fiscal year 2023 • EIN 77-0413341

Jan 01, 2023 to Dec 31, 2023 • Filed on Nov 14, 2024

107 17th StreetBakersfield, CA 93301

(661) 631-1258

Siviq Scores

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

Liabilities / Assets

95th percentile

1.05x

Higher debt load relative to assets than 95% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Liabilities / Revenue

71st percentile

0.29x

Higher debt load relative to revenue than 71% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Net Margin

36th percentile

-1.2%

Higher net margin than 36% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

76th percentile

$121,728

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 7.0% of source-year revenue.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Asset Growth

7th percentile

-19%

Faster asset growth than 7% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

23rd percentile

-12%

Faster revenue growth than 23% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Assets

Down

$474,954

Down $114,377 (-19%) from 2022

Net Assets

Down

-$25,997

Down $32,477 (-501%) from 2022

Liabilities

Down

$500,951

Down $81,900 (-14%) from 2022

Revenue

Down

$1,745,190

Down $247,523 (-12%) from 2022

Expenses

Down

$1,766,760

Down $235,901 (-12%) from 2022

Net Income

Down

-$21,570

Down $11,622 (-117%) from 2022

Historical Trend

Balance Sheet Trend

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

$1.0M$500K$0-$500KAssets 2011: $650,108Liabilities 2011: $614,615Net Assets 2011: $35,4932011Assets 2012: $610,310Liabilities 2012: $570,332Net Assets 2012: $39,9782012Assets 2013: $581,570Liabilities 2013: $610,638Net Assets 2013: -$29,0682013Assets 2014: $556,744Liabilities 2014: $574,508Net Assets 2014: -$17,7642014Assets 2015: $539,492Liabilities 2015: $556,184Net Assets 2015: -$16,6922015Assets 2016: $584,823Liabilities 2016: $577,881Net Assets 2016: $6,9422016Assets 2017: $535,365Liabilities 2017: $549,565Net Assets 2017: -$14,2002017Assets 2018: $501,197Liabilities 2018: $533,212Net Assets 2018: -$32,0152018Assets 2019: $516,736Liabilities 2019: $550,932Net Assets 2019: -$34,1962019Assets 2020: $894,149Liabilities 2020: $836,524Net Assets 2020: $57,6252020Assets 2021: $596,955Liabilities 2021: $579,474Net Assets 2021: $17,4812021Assets 2022: $589,331Liabilities 2022: $582,851Net Assets 2022: $6,4802022Assets 2023: $474,954Liabilities 2023: $500,951Net Assets 2023: -$25,9972023Assets 2024: $490,069Liabilities 2024: $478,818Net Assets 2024: $11,2512024

Highlighted filing

2023

Assets$474,954
Liabilities$500,951
Net Assets-$25,997

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $830,589Expenses 2011: $841,524Net Income 2011: -$10,9352011Revenue 2012: $927,536Expenses 2012: $923,050Net Income 2012: $4,4862012Revenue 2013: $851,490Expenses 2013: $920,536Net Income 2013: -$69,0462013Revenue 2014: $816,131Expenses 2014: $804,726Net Income 2014: $11,4052014Revenue 2015: $881,131Expenses 2015: $880,059Net Income 2015: $1,0722015Revenue 2016: $1,100,166Expenses 2016: $1,076,532Net Income 2016: $23,6342016Revenue 2017: $998,893Expenses 2017: $1,020,035Net Income 2017: -$21,1422017Revenue 2018: $1,091,654Expenses 2018: $1,092,982Net Income 2018: -$1,3282018Revenue 2019: $1,423,339Expenses 2019: $1,409,032Net Income 2019: $14,3072019Revenue 2020: $1,722,511Expenses 2020: $1,618,227Net Income 2020: $104,2842020Revenue 2021: $1,589,144Expenses 2021: $1,624,570Net Income 2021: -$35,4262021Revenue 2022: $1,992,713Expenses 2022: $2,002,661Net Income 2022: -$9,9482022Revenue 2023: $1,745,190Expenses 2023: $1,766,760Net Income 2023: -$21,5702023Revenue 2024: $2,415,321Expenses 2024: $2,405,599Net Income 2024: $9,7222024

Highlighted filing

2023

Revenue$1,745,190
Expenses$1,766,760
Net Income-$21,570
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 14, 2024
Return Version
2023v5.0
Gross Receipts
$1,745,190
Mission and Program Overview

Mission

Igniting hope, inspiring futures. Stewards inc. Is a representative payee organization that provides financial counsel, guidance and assistance with budgeting and bill paying.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$397,840$314,963▼ $82,877
Land, Buildings, and Equipment, Net$164,353$159,634▼ $4,719
Total Assets$568,550$474,954▼ $93,596
Other Assets Total$6,357$357▼ $6,000
Liabilities
Deferred Revenue$387,601$309,551▼ $78,050
Other Liabilities$147,914$140,205▼ $7,709
Accounts Payable and Accrued Expenses$32,458$27,489▼ $4,969
Unsecured Notes Loans Payable$14,878$23,706▲ $8,828
Total Liabilities$582,851$500,951▼ $81,900
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-14,301$-25,997▼ $11,696
Total Net Assets Fund Balance$-14,301$-25,997▼ $11,696
Total Liabilities and Net Assets / Fund Balance$568,550$474,954▼ $93,596

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$149,236$14,516$163,752
Equipment$-20,793$115,596$94,803
Land$31,191-$31,191
Other Land Buildings-$20,781$20,781
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Andrae GonzalesExecutive DiFT$121,728$121,728

Board Members and Trustees

NameTitle
Jim DamianChair
Bill WrightDirector
Charles Van De VoordeDirector
Ed TaylorDirector
Jon SampsonDirector
Ronnie RamDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$17,654
Program Service Revenue
$1,720,673
Investment Income
$0
Other Revenue
$6,863
All Other Contributions
$17,654
Change in Net Assets
$-21,570

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,745,190
Total Revenue per Audited Statements
$1,745,190
Total Revenue per Form 990
$1,745,190
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,359,369
Salaries, Compensation, and Employee Benefits$407,391
Total Fundraising Expense$5,131
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$1,181,501--$1,181,501
Other Salaries and Wages$237,584$12,655$2,510$252,749
Current Officers, Directors, Trustees, and Key Employees$85,210$36,518-$121,728
All Other Expenses$13,725$19,048$2,292$35,065
Payroll Taxes$30,939$1,646$329$32,914
Office Expenses$29,633$1,822-$31,455
Insurance$22,260$2,298-$24,558
Information Technology$19,229$2,137-$21,366
Other Expenses$9,451$497-$9,451
Interest$6,937$771-$7,708
Depreciation Depletion$3,775$944-$4,719
Fees for Services Accounting$3,985$443-$4,428
Travel$1,455--$1,455
Advertising$377$8-$385
Total Functional Expenses$1,669,164$92,465$5,131$1,766,760

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,766,760
Total Expenses per Audited Statements$1,766,760
Total Expenses per Form 990$1,766,760
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$6,863
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
Mortgage Payable$119,377
Bank Fees Payable$12,107
Conserved Funds$8,721
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

Organization submits the form 990 to it's governing board prior to the filing of such return for review and approval.

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

Annual review of policy with governing board

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

Board of directors reviews annually the executive director position, performs a review of the performance as well as compensation plan.

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

Executive directors performs annual performance reviews of key personnel and reviews such evaluations along with compensation with the board annually.

Form 990, Page 6, Part VI, Line 19

Documents are available upon request.

Filing and Contact Details

Filer

Filer Name
Stewards Inc
EIN
77-0413341
Phone
6616311258
Address
107 17TH STREET, BAKERSFIELD, CA 93301
Doing Business As
Stewards Inc

Signing Officer

Name
Andrae Gonzales
Title
Executive Director
Phone
6616311258
Signed
2024-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Andrae Gonzales
Formed
1995
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
10

Preparer

Firm
O'DELL CROSS A PROFESSIONAL CORPORATION
Address
5701 TRUXTUN AVE STE 220, BAKERSFIELD, CA 93309
Preparer
Nicolette R Cross
Phone
6617161160
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

Volunteers are the governing board of directors.

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

Fundraising expenses to bring awareness to the needs of the community for payee service and hopes to raise additional funds to provide additional resources for the clients of the organization.

Form 990, Part IX, Line 11G

Mhsa direct client expense 1,181,501 0 0

Form 990, Part XI, Line 9

DEPRECIATION PY 9,874

Raw XML Appendix376 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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IRS990ScheduleD/BuildingsGrp/DepreciationAmt014516
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0163752
IRS990ScheduleD/EquipmentGrp/BookValueAmt0-20793
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0115596
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt094803
IRS990ScheduleD/ExpensesSubtotalAmt01766760
IRS990ScheduleD/LandGrp/BookValueAmt031191
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt031191
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt020781
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt020781
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0119377
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt112107
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt28721
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MORTGAGE PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1BANK FEES PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CONSERVED FUNDS
IRS990ScheduleD/RevenueSubtotalAmt01745190
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0159634
IRS990ScheduleD/TotalExpensesPerForm990Amt01766760
IRS990ScheduleD/TotalLiabilityAmt0140205
IRS990ScheduleD/TotalRevenuePerForm990Amt01745190
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01745190
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01766760
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0VOLUNTEERS ARE THE GOVERNING BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FUNDRAISING EXPENSES TO BRING AWARENESS TO THE NEEDS OF THE COMMUNITY FOR PAYEE SERVICE AND HOPES TO RAISE ADDITIONAL FUNDS TO PROVIDE ADDITIONAL RESOURCES FOR THE CLIENTS OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ORGANIZATION SUBMITS THE FORM 990 TO IT'S GOVERNING BOARD PRIOR TO THE FILING OF SUCH RETURN FOR REVIEW AND APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANNUAL REVIEW OF POLICY WITH GOVERNING BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BOARD OF DIRECTORS REVIEWS ANNUALLY THE EXECUTIVE DIRECTOR POSITION, PERFORMS A REVIEW OF THE PERFORMANCE AS WELL AS COMPENSATION PLAN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EXECUTIVE DIRECTORS PERFORMS ANNUAL PERFORMANCE REVIEWS OF KEY PERSONNEL AND REVIEWS SUCH EVALUATIONS ALONG WITH COMPENSATION WITH THE BOARD ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MHSA DIRECT CLIENT EXPENSE 1,181,501 0 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8DEPRECIATION PY 9,874
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0568550
IRS990/TotalAssetsEOYAmt0474954
IRS990/TotalAssetsGrp/BOYAmt0568550
IRS990/TotalAssetsGrp/EOYAmt0474954
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt017654
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt05131
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt092465
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01669164
IRS990/TotalFunctionalExpensesGrp/TotalAmt01766760
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0582851
IRS990/TotalLiabilitiesEOYAmt0500951
IRS990/TotalLiabilitiesGrp/BOYAmt0582851
IRS990/TotalLiabilitiesGrp/EOYAmt0500951
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-14301
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-25997
IRS990/TotalProgramServiceExpensesAmt01669164
IRS990/TotalProgramServiceRevenueAmt01720673
IRS990/TotalReportableCompFromOrgAmt0121728
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01720673
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01745190
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0568550
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0474954
IRS990/TravelGrp/ProgramServicesAmt01455
IRS990/TravelGrp/TotalAmt01455
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt014878
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt023706
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0107 17TH STREET
IRS990/USAddress/CityNm0BAKERSFIELD
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd093301
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.STEWARDSINC.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ANDRAE GONZALES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum06616311258
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STEWARDS INC
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0SENIOR SERVE
ReturnHeader/Filer/BusinessNameControlTxt0STEW
ReturnHeader/Filer/EIN0770413341
ReturnHeader/Filer/PhoneNum06616311258
ReturnHeader/Filer/USAddress/AddressLine1Txt0107 17TH STREET
ReturnHeader/Filer/USAddress/CityNm0BAKERSFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd093301
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0770568293
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0O'DELL CROSS A PROFESSIONAL CORPORATION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05701 TRUXTUN AVE STE 220
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BAKERSFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd093309
ReturnHeader/PreparerPersonGrp/PhoneNum06617161160
ReturnHeader/PreparerPersonGrp/PreparationDt02024-11-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0NICOLETTE R CROSS
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02024-11-15T13:48:33-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.49$0.48$0.01$2.42$2.41$0.01
2023Detailed filing. Detailed filing data is available for this year.$0.47$0.50$0.03$1.75$1.77$0.02
2022Detailed filing. Detailed filing data is available for this year.$0.59$0.58$0.01$1.99$2.00$0.01
2021Detailed filing. Detailed filing data is available for this year.$0.60$0.58$0.02$1.59$1.62$0.04
2020Detailed filing. Detailed filing data is available for this year.$0.89$0.84$0.06$1.72$1.62$0.10
2019Detailed filing. Detailed filing data is available for this year.$0.52$0.55$0.03$1.42$1.41$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.50$0.53$0.03$1.09$1.09$0.00
2017Detailed filing. Detailed filing data is available for this year.$0.54$0.55$0.01$1.00$1.02$0.02
2016Detailed filing. Detailed filing data is available for this year.$0.58$0.58$0.01$1.10$1.08$0.02
2015Detailed filing. Detailed filing data is available for this year.$0.54$0.56$0.02$0.88$0.88$0.00
2014Detailed filing. Detailed filing data is available for this year.$0.56$0.57$0.02$0.82$0.80$0.01
2013Summary only. Only limited summary data is available for this year.$0.58$0.61$0.03$0.85$0.92$0.07
2012Summary only. Only limited summary data is available for this year.$0.61$0.57$0.04$0.93$0.92$0.00
2011Summary only. Only limited summary data is available for this year.$0.65$0.61$0.04$0.83$0.84$0.01