Civic Intelligence

Debt Reduction Services Inc.

990 • Fiscal year 2021 • EIN 82-0491267

Jan 01, 2021 to Dec 31, 2021 • Filed on Jun 09, 2022

Organization ProfileWWW.DEBTREDUCTIONSERVICES.ORG

View Organization Page

6213 N Cloverdale Rd Ste 100Boise, ID 83713

(208) 378-0200

Siviq Scores

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

Liabilities / Assets

86th percentile

0.56x

Higher debt load relative to assets than 86% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

73rd percentile

0.33x

Higher debt load relative to revenue than 73% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Net Margin

49th percentile

12%

Higher net margin than 49% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

95th percentile

$328,227

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 9.4% of source-year revenue.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Asset Growth

78th percentile

30%

Faster asset growth than 78% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

26th percentile

-3.8%

Faster revenue growth than 26% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$2,051,232

Up $478,214 (+30%) from 2020

Net Assets

Up

$906,085

Up $426,629 (+89%) from 2020

Liabilities

Up

$1,145,147

Up $51,585 (+4.7%) from 2020

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin49th percentile

Revenue

Down

$3,505,224

Down $139,453 (-3.8%) from 2020

Expenses

Down

$3,078,595

Down $662,156 (-18%) from 2020

Net Income

Up

$426,629

Up $522,703 (+544%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MAssets 2010: $1,210,523Liabilities 2010: $805,221Net Assets 2010: $405,3022010Assets 2011: $953,664Liabilities 2011: $824,786Net Assets 2011: $128,8782011Assets 2012: $1,195,569Liabilities 2012: $814,936Net Assets 2012: $380,6332012Assets 2013: $1,415,967Liabilities 2013: $770,203Net Assets 2013: $645,7642013Assets 2014: $1,110,151Liabilities 2014: $971,690Net Assets 2014: $138,4612014Assets 2015: $859,212Liabilities 2015: $900,199Net Assets 2015: -$40,9872015Assets 2016: $987,388Liabilities 2016: $757,570Net Assets 2016: $229,8182016Assets 2017: $1,058,894Liabilities 2017: $548,237Net Assets 2017: $510,6572017Assets 2018: $1,074,665Liabilities 2018: $517,613Net Assets 2018: $557,0522018Assets 2019: $1,285,850Liabilities 2019: $710,320Net Assets 2019: $575,5302019Assets 2020: $1,573,018Liabilities 2020: $1,093,562Net Assets 2020: $479,4562020Assets 2021: $2,051,232Liabilities 2021: $1,145,147Net Assets 2021: $906,0852021Assets 2022: $2,036,838Liabilities 2022: $1,516,478Net Assets 2022: $520,3602022Assets 2023: $1,129,668Liabilities 2023: $1,049,562Net Assets 2023: $80,1062023Assets 2024: $1,050,280Liabilities 2024: $1,012,381Net Assets 2024: $37,8992024

Highlighted filing

2021

Assets$2,051,232
Liabilities$1,145,147
Net Assets$906,085
Open 2021 Filing

Operations Trend

Revenue Growth26th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $5,077,0082010Expenses 2011: $4,946,0252011Expenses 2012: $4,966,5232012Revenue 2013: $5,358,050Expenses 2013: $5,092,919Net Income 2013: $265,1312013Revenue 2014: $4,800,083Expenses 2014: $5,307,386Net Income 2014: -$507,3032014Revenue 2015: $4,244,667Expenses 2015: $4,424,115Net Income 2015: -$179,4482015Revenue 2016: $4,237,045Expenses 2016: $3,966,240Net Income 2016: $270,8052016Revenue 2017: $4,261,323Expenses 2017: $3,980,484Net Income 2017: $280,8392017Revenue 2018: $4,148,985Expenses 2018: $4,102,590Net Income 2018: $46,3952018Revenue 2019: $3,919,311Expenses 2019: $3,900,833Net Income 2019: $18,4782019Revenue 2020: $3,644,677Expenses 2020: $3,740,751Net Income 2020: -$96,0742020Revenue 2021: $3,505,224Expenses 2021: $3,078,595Net Income 2021: $426,6292021Revenue 2022: $2,593,429Expenses 2022: $2,938,233Net Income 2022: -$344,8042022Revenue 2023: $2,344,933Expenses 2023: $2,785,187Net Income 2023: -$440,2542023Revenue 2024: $2,316,028Expenses 2024: $2,358,235Net Income 2024: -$42,2072024

Highlighted filing

2021

Revenue$3,505,224
Expenses$3,078,595
Net Income$426,629
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Jun 9, 2022
Return Version
2021v4.2
Gross Receipts
$3,505,224
Mission and Program Overview

Mission

Our mission is to promote financial responsibility in our clients and community members nationwide. We accomplish this through educational programs, counseling, and personalized services. We thus empower individuals to develop and use positive budgeting skills and effective spending behaviors, to use credit wisely, and to prevent, manage, and eliminate consumer debt.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,481,508$1,958,207▲ $476,699
Rtn Earn Endowment Incm Other Fnds$479,456$906,085▲ $426,629
Land, Buildings, and Equipment, Net$77,696$79,211▲ $1,515
Prepaid Expenses and Deferred Charges$13,814$13,814→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,573,018$2,051,232▲ $478,214
Liabilities
Unsecured Notes Loans Payable$556,400$500,000▼ $56,400
Escrow Account Liability$440,578$356,354▼ $84,224
Accounts Payable and Accrued Expenses$96,584$288,793▲ $192,209
Total Liabilities$1,093,562$1,145,147▲ $51,585
Net Assets / Fund Balance
Total Net Assets Fund Balance$479,456$906,085▲ $426,629
Total Liabilities and Net Assets / Fund Balance$1,573,018$2,051,232▲ $478,214

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$79,211$76,940$156,151
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Joseph T CestaroPresidentFT$319,478$8,749$328,227
Mark L RizkowskyChief Complliance OfficerFT$176,542$8,679$185,221
Cara SteeleChief Operating OfficerFT$141,128$8,805$149,933

Board Members and Trustees

NameTitle
Andrea SorensenBoard Member
Christina MaiBoard Member
Daniel BurgettBoard Member
Darrin JaszkowiakBoard Member
Lyle CookBoard Member
Randy SiddowayBoard Member
Sue QuintBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$306,904
Program Service Revenue
$3,198,320
Investment Income
$0
Other Revenue
$0
All Other Contributions
$306,904
Change in Net Assets
$426,629

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,098,704
Revenue Not Reported on Financial Statements
$406,520
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$406,520
Total Revenue per Audited Statements
$3,098,704
Total Revenue per Form 990
$3,505,224
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,035,108
Other Expenses$1,043,487
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$989,420$247,355-$1,236,775
Current Officers, Directors, Trustees, and Key Employees$530,518$132,630-$663,148
Advertising$190,997--$190,997
Occupancy$143,764$11,657-$155,421
Payroll Taxes$108,148$27,037-$135,185
All Other Expenses$120,214$9,748-$129,962
Insurance$65,576$5,317-$70,893
Office Expenses$46,978$3,259-$50,237
Other Expenses$40,569$3,289-$43,858
Depreciation Depletion$10,167$7,908-$18,075
Fees for Services Accounting$12,964$1,052-$14,016
Travel$7,371$598-$7,969
Fees for Services Other$2,306$187-$2,493
Fees for Services Legal$758$61-$819
Total Functional Expenses$2,619,456$459,139$0$3,078,595

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,078,595
Total Expenses per Audited Statements$3,078,595
Total Expenses per Form 990$3,078,595
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Yes
Audit committee
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, Part VI, Section B, Line 11B

“A copy of the form 990 is provided to all members of the board prior to filing the return.”

Form 990, Part VI, Section B, Line 12C

“Enforcement of conflicts of interest policy - the director of human resources inquires of applicable individuals as to their compliance with the conflicts of interest policies on a regular basis.”

Form 990, Part VI, Section B, Line 15

“Compensation process for top official - the board of directors appoint a compensation committee. The compensation committee reviewed forms 990 from comparable organizations and used economic research institute data and aadmo data to make a recommendation to the full board who then approved the recommendation.”

Form 990, Part VI, Section C, Line 19

“Governing documents disclosure explanation - the organization keeps its governing documents, conflict of interest policy, form 990, and financial statements at its corporate office and makes them available upon request.”

Filing and Contact Details

Filer

Filer Name
Debt Reduction Services Inc
EIN
82-0491267
Phone
2083780200
Address
6213 N CLOVERDALE RD STE 100, BOISE, ID 83713

Signing Officer

Name
Joseph Cestaro
Title
President
Phone
2083780200
Signed
2022-06-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joseph Cestaro
Formed
1996
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
36
Volunteers
0

Preparer

Firm
Harris & Co Pllc
Address
1120 S RACKHAM WAY SUITE 100, MERIDIAN, ID 83642
Preparer
Margaret Flowers
Phone
2083338965
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The organization receives funds from debtors and holds the funds in trust until they are remitted to the debtor's creditors.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Other income included in revenue 406,520.”

Raw XML AppendixShowing 400 of 477 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/Desc0EDUCATIONAL ACCOMPLISHMENTSEVEN BEFORE THE COVID-19 PANDEMIC SHUT DOWN MOST COMMUNITY-BASED OPPORTUNITIES TO OFFER IN-PERSONAL PERSONAL FINANCE WORKSHOPS, DRS HAD BEGUN TO PIVOT OUR WORKSHOPS AND CLASSES TO VIRTUAL OPTIONS. WE NOW PROMOTE FINANCIAL LITERACY AND HEALTHY PERSONAL FINANCE BEHAVIOR THROUGH LIVE VIDEO CONFERENCES WITH CLASSES AND GROUPS AS WELL AS THROUGH ONLINE WEBINARS (PRE-RECORDED OR SELF-PACED) THAT ANYONE CAN ACCESS FROM ANYWHERE AT ANY TIME. AS A RESULT, OUR TOP THREE ACHIEVEMENTS IN FINANCIAL EDUCATION FOR 2021 INCLUDED: 1) THE CONTINUED EXPANSION OF OUR AWARD-WINNING MY LIFE MY CHOICES - STUDENT EDITION COURSE WITH 7,229 ONLINE PARTICIPANTS, 2) THE DESIGN, RECORDING, AND FACILITATION OF OUR MONEY FIT LIVE WEEKLY YOUTUBE VIDEOS AND CHATS (49 VIDEOS, 10,828 VIEWS, AND OVER 849 HOURS OF VIEWING TIME), AND 3) THE PRODUCTION OF THE MONEY FIT SHOW PODCAST STARTING IN JUNE 2021, RESULTING IN 28 WEEKLY PODCAST EPISODES PROMOTING FINANCIAL EDUCATION AND HEALTHY PERSONAL FINANCE BEHAVIORS (810 DOWNLOADS IN ITS FIRST 5 MONTHS).DURING 2021, INCOME RECEIVED, AND EXPENDITURES INCURRED BY THE IN 2021, INCOME RECEIVED AND EXPENDITURES INCURRED BY THE ORGANIZATION SUPPORTED THE SUCCESSFUL IMPLEMENTATION OF THE FOLLOWING SIGNIFICANT FINANCIAL EDUCATION PROGRAMS AND SERVICES:HOUSING COUNSELING - IN 2021, DRS RECEIVED APPROVAL FROM THE US DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT TO OFFER HOUSING COUNSELING AND EDUCATION IN SOUTHWEST IDAHO. DURING THIS FIRST YEAR, WE FOCUSED ON OFFERING CREDIT-BUILDING, BUDGETING SERVICES, AND FINANCIAL MANAGEMENT COUNSELING AND EDUCATION TO PROSPECTIVE HOMEBUYERS, CURRENT HOMEOWNERS, AND RENTERS TO PROMOTE STABLE HOUSING.IDAHO REGION III HOUSING COALITION - DRS CONTINUED TO PARTICIPATE VIRTUALLY IN THIS COALITION OF GOVERNMENT, EDUCATION, NONPROFIT, AND BUSINESS ORGANIZATIONS TO COORDINATE SERVICES THAT PREVENT AND ADDRESS HOMELESSNESS IN SOUTHWEST IDAHO.MY LIFE MY CHOICES - MILITARY TRANSITION EDITION - THIS FREE, ONLINE, INTERACTIVE BUDGETING ACTIVITY FOR ACTIVE MILITARY SERVICE MEN AND WOMEN TRANSITIONING TO CIVILIAN LIFE HELPS THEM CONNECT THEIR PERSONAL CHOICES TO SHORT- AND LONG-TERM FINANCIAL CONSEQUENCES IN A 25- TO 45-MINUTE EXPERIENCE THAT INVOLVES TOPICS FROM BUDGETING AND TAXES TO HOUSING AND CONSUMER SPENDING. IN 2021, 133 INDIVIDUALS COMPLETED MY LIFE MY CHOICES - MILITARY TRANSITION EDITION. LIFE AFTER DEBT WEBINAR - THIS SELF-PACED COURSE TAKES PARTICIPANTS THROUGH THE SEVEN KEY STEPS TO STAYING OUT OF DEBT ONCE YOU'VE PAID IT OFF. THE COURSE TAKES AROUND AN HOUR TO COMPLETE AND IS FREE AND OPEN TO THE PUBLIC. THE PRIMARY FINANCIAL SUBJECTS INCLUDE THE IMPORTANCE OF BUILDING SAVINGS, MANAGING PAYCHECKS AND BANK ACCOUNTS, CONTROLLING SPENDING, BUILDING CREDIT, GROWING INCOME, SETTING AND ACHIEVING FINANCIAL GOALS, AND DEALING WITH FUTURE DEBTS. WE LAUNCHED THIS WEBINAR LATE IN 2021 AND HAD TEN PARTICIPANTS COMPLETE THE PROGRAM.WHO WANTS TO LIVE LIKE A MILLIONAIRE?: IN 2021, 223 INDIVIDUALS COMPLETED THIS FUN AND SELF-PACED INTERACTIVE WEBINAR THAT BUSTS MYTHS OF WEALTH, LIFESTYLE, AND PARTICULARLY HYPER-CONSUMERISM. WITH A HEALTHIER AND MORE ACCURATE UNDERSTANDING OF HOW 99%+ OF MILLIONAIRES GROW AND MAINTAIN THEIR WEALTH, PARTICIPANTS ARE EMPOWERED TO MAKE FINANCIAL CHOICES THAT ARE NOT BASED ON INACCURATE STEREOTYPES FROM POPULAR MEDIA.JUMP$TART COALITION STATE MEMBERSHIPS - THE JUMP$TART COALITION FOR PERSONAL FINANCIAL LITERACY PROMOTES FINANCIAL LITERACY AMONG YOUTH AND AT-RISK POPULATIONS. IN 2021, THE ORGANIZATION'S EDUCATION MANAGER CONTINUED TO PARTICIPATE IN REGULAR MEMBERSHIP MEETINGS OF THE STATE COALITION FOR IDAHO (IDAHO FINANCIAL LITERACY COALITION) AND JOINED THE BOARD OF DIRECTORS FOR THE PENNSYLVANIA JUMP$TART COALITION. SUCH INVOLVEMENT ENABLES THE AGENCY TO STAY CURRENT ON FINANCIAL EDUCATION ACTIVITIES IN THE STATE AND COORDINATE RELATED EVENTS WITH LIKE-MINDED ORGANIZATIONS.COALITIONS AND ASSOCIATIONS - IN 2021 THE ORGANIZATION'S EDUCATION MANAGER CONTI
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF COMPLLIANCE OFFICER
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IRS990/FormationYr01996
IRS990/FormerOfcrEmployeesListedInd00
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt03505224
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt05317
IRS990/InsuranceGrp/ProgramServicesAmt065576
IRS990/InsuranceGrp/TotalAmt070893
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt076940
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IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0OUR MISSION IS TO PROMOTE FINANCIAL RESPONSIBILITY IN OUR CLIENTS AND COMMUNITY MEMBERS NATIONWIDE. WE ACCOMPLISH THIS THROUGH EDUCATIONAL PROGRAMS, COUNSELING, AND PERSONALIZED SERVICES. WE THUS EMPOWER INDIVIDUALS TO DEVELOP AND USE POSITIVE BUDGETING SKILLS AND EFFECTIVE SPENDING BEHAVIORS, TO USE CREDIT WISELY, AND TO PREVENT, MANAGE, AND ELIMINATE CONSUMER DEBT.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt0906085
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt011657
IRS990/OccupancyGrp/ProgramServicesAmt0143764
IRS990/OccupancyGrp/TotalAmt0155421
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt03259
IRS990/OfficeExpensesGrp/ProgramServicesAmt046978
IRS990/OfficeExpensesGrp/TotalAmt050237
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0PUBLIC AWARENESS AND OU
IRS990/OtherExpensesGrp/Desc1REPAIRS AND MAINTENANCE
IRS990/OtherExpensesGrp/Desc2TELEPHONE
IRS990/OtherExpensesGrp/Desc3BANK FEES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt05491
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt13550
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt23289
IRS990/OtherExpensesGrp/ProgramServicesAmt0238209
IRS990/OtherExpensesGrp/ProgramServicesAmt167719
IRS990/OtherExpensesGrp/ProgramServicesAmt243778
IRS990/OtherExpensesGrp/ProgramServicesAmt340569
IRS990/OtherExpensesGrp/TotalAmt0238209
IRS990/OtherExpensesGrp/TotalAmt173210
IRS990/OtherExpensesGrp/TotalAmt247328
IRS990/OtherExpensesGrp/TotalAmt343858
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0247355
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0989420
IRS990/OtherSalariesAndWagesGrp/TotalAmt01236775
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt027037
IRS990/PayrollTaxesGrp/ProgramServicesAmt0108148
IRS990/PayrollTaxesGrp/TotalAmt0135185
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt013814
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt013814
IRS990/PrincipalOfficerNm0JOSEPH CESTARO
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0611710
IRS990/ProgramServiceRevenueGrp/Desc0FINANCIAL EDUCATION
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03198320
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03198320
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0317555
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt01448700
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03327122
IRS990/PYRevenuesLessExpensesAmt0-96074
IRS990/PYSalariesCompEmpBnftPaidAmt02292051
IRS990/PYTotalExpensesAmt03740751
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03644677
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0426629
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt03198320
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0479456
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0906085
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0306904
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0317555
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0314162
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0320301
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0359132
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01618054
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt03198031
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt03327122
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt03605149
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt03828684
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt03902191
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt017861177
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt019479231
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt03504935
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt03644677
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt03919311
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt04148985
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt04261323
IRS990ScheduleA/Total509Grp/TotalAmt019479231
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt03504935
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt03644677
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt03919311
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt04148985
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt04261323
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt019479231
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt079211
IRS990ScheduleD/EquipmentGrp/DepreciationAmt076940
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0156151
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03078595
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0406520
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0406520
IRS990ScheduleD/RevenueSubtotalAmt03098704
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION RECEIVES FUNDS FROM DEBTORS AND HOLDS THE FUNDS IN TRUST UNTIL THEY ARE REMITTED TO THE DEBTOR'S CREDITORS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1OTHER INCOME INCLUDED IN REVENUE 406,520.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt079211
IRS990ScheduleD/TotalExpensesPerForm990Amt03078595
IRS990ScheduleD/TotalRevenuePerForm990Amt03505224
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03098704
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03078595
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0319478
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1176542
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt08749
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt18679
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOSEPH T CESTARO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MARK L RIZKOWSKY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CHIEF COMPLLIANCE OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0328227
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1185221
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A COPY OF THE FORM 990 IS PROVIDED TO ALL MEMBERS OF THE BOARD PRIOR TO FILING THE RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ENFORCEMENT OF CONFLICTS OF INTEREST POLICY - THE DIRECTOR OF HUMAN RESOURCES INQUIRES OF APPLICABLE INDIVIDUALS AS TO THEIR COMPLIANCE WITH THE CONFLICTS OF INTEREST POLICIES ON A REGULAR BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COMPENSATION PROCESS FOR TOP OFFICIAL - THE BOARD OF DIRECTORS APPOINT A COMPENSATION COMMITTEE. THE COMPENSATION COMMITTEE REVIEWED FORMS 990 FROM COMPARABLE ORGANIZATIONS AND USED ECONOMIC RESEARCH INSTITUTE DATA AND AADMO DATA TO MAKE A RECOMMENDATION TO THE FULL BOARD WHO THEN APPROVED THE RECOMMENDATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING DOCUMENTS DISCLOSURE EXPLANATION - THE ORGANIZATION KEEPS ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, FORM 990, AND FINANCIAL STATEMENTS AT ITS CORPORATE OFFICE AND MAKES THEM AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0OK
IRS990/StatesWhereCopyOfReturnIsFldCd1OR
IRS990/StatesWhereCopyOfReturnIsFldCd2CA
IRS990/StatesWhereCopyOfReturnIsFldCd3NY
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01573018
IRS990/TotalAssetsEOYAmt02051232
IRS990/TotalAssetsGrp/BOYAmt01573018

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,051,232
Liabilities
$1,145,147
Net assets
$906,085
Revenue
$3,505,224
Expenses
$3,078,595
Net income
$426,629
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.05$1.01$0.04$2.32$2.36$0.04
2023Summary only. Only limited summary data is available for this year.$1.13$1.05$0.08$2.34$2.79$0.44
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.04$1.52$0.52$2.59$2.94$0.34
2021Detailed filing. Detailed filing data is available for this year.$2.05$1.15$0.91$3.51$3.08$0.43
2020Summary only. Only limited summary data is available for this year.$1.57$1.09$0.48$3.64$3.74$0.10
2019Summary only. Only limited summary data is available for this year.$1.29$0.71$0.58$3.92$3.90$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.07$0.52$0.56$4.15$4.10$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.06$0.55$0.51$4.26$3.98$0.28
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.99$0.76$0.23$4.24$3.97$0.27
2015Detailed filing. Detailed filing data is available for this year.$0.86$0.90$0.04$4.24$4.42$0.18
2014Detailed filing. Detailed filing data is available for this year.$1.11$0.97$0.14$4.80$5.31$0.51
2013Detailed filing. Detailed filing data is available for this year.$1.42$0.77$0.65$5.36$5.09$0.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.20$0.81$0.38$4.97
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.95$0.82$0.13$4.95
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.21$0.81$0.41$5.08