Civic Intelligence

Community Credit Counseling Services

990 • Fiscal year 2013 • EIN 84-1610093

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 24, 2014

Organization Profilewww.empoweredcolorado.org

View Organization Page

2009 Wadsworth Blvd Ste 10080214

(303) 233-2773

Siviq Scores

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

Liabilities / Assets

65th percentile

0.17x

Higher debt load relative to assets than 65% of similar nonprofits.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2013

Liabilities / Revenue

59th percentile

0.08x

Higher debt load relative to revenue than 59% of similar nonprofits.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2013

Net Margin

11th percentile

-27%

Higher net margin than 11% of similar nonprofits.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2013

Top Officer Pay

85th percentile

$83,012

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 10.7% of source-year revenue.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2013

Asset Growth

5th percentile

-35%

Faster asset growth than 5% of similar nonprofits.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2012 to 2013

Revenue Growth

10th percentile

-27%

Faster revenue growth than 10% of similar nonprofits.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets65th percentile

Assets

Down

$381,099

Down $204,971 (-35%) from 2012

Net Assets

Down

$317,821

Down $211,998 (-40%) from 2012

Liabilities

Up

$63,278

Up $7,027 (+12%) from 2012

Revenue And Expenses
Liabilities / Revenue59th percentileNet Margin11th percentile

Revenue

Down

$778,591

Down $285,331 (-27%) from 2012

Expenses

Up

$990,589

Up $348,324 (+54%) from 2012

Net Income

Down

-$211,998

Down $633,655 (-150%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth5th percentile

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

$800K$600K$400K$200K$0Assets 2010: $122,678Liabilities 2010: $16,249Net Assets 2010: $106,4292010Assets 2011: $132,499Liabilities 2011: $24,337Net Assets 2011: $108,1622011Assets 2012: $586,070Liabilities 2012: $56,251Net Assets 2012: $529,8192012Assets 2013: $381,099Liabilities 2013: $63,278Net Assets 2013: $317,8212013Assets 2014: $612,626Liabilities 2014: $76,712Net Assets 2014: $535,9142014Assets 2015: $107,598Liabilities 2015: $38,650Net Assets 2015: $68,9482015Assets 2016: $144,203Liabilities 2016: $113,855Net Assets 2016: $30,3482016Assets 2017: $264,466Liabilities 2017: $135,022Net Assets 2017: $129,4442017Assets 2018: $168,792Liabilities 2018: $105,396Net Assets 2018: $63,3962018Assets 2019: $506,295Liabilities 2019: $314,236Net Assets 2019: $192,0592019Assets 2020: $94,883Liabilities 2020: $17Net Assets 2020: $94,8662020

Highlighted filing

2013

Assets$381,099
Liabilities$63,278
Net Assets$317,821
Open 2013 Filing

Operations Trend

Revenue Growth10th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $547,2542010Expenses 2011: $528,8012011Revenue 2012: $1,063,922Expenses 2012: $642,265Net Income 2012: $421,6572012Revenue 2013: $778,591Expenses 2013: $990,589Net Income 2013: -$211,9982013Revenue 2014: $1,235,486Expenses 2014: $1,017,393Net Income 2014: $218,0932014Revenue 2015: $625,644Expenses 2015: $1,092,610Net Income 2015: -$466,9662015Revenue 2016: $944,108Expenses 2016: $982,708Net Income 2016: -$38,6002016Revenue 2017: $1,177,401Expenses 2017: $974,327Net Income 2017: $203,0742017Revenue 2018: $1,052,543Expenses 2018: $1,118,589Net Income 2018: -$66,0462018Revenue 2019: $1,269,505Expenses 2019: $1,140,842Net Income 2019: $128,6632019Revenue 2020: $437,117Expenses 2020: $530,241Net Income 2020: -$93,1242020

Highlighted filing

2013

Revenue$778,591
Expenses$990,589
Net Income-$211,998
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 24, 2014
Return Version
2013v3.1
Gross Receipts
$778,591
Mission and Program Overview

Mission

To empower people to transform their financial futures.

Financial education and debt management services for individuals and families.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$490,685$285,884▼ $204,801
Accounts Receivable$4,676$35,973▲ $31,297
Land, Buildings, and Equipment, Net$27,623$27,598▼ $25
Intangible Assets$22,642$19,627▼ $3,015
Prepaid Expenses and Deferred Charges$15,889$11,517▼ $4,372
Cash and Non-Interest-Bearing Accounts$24,555$500▼ $24,055
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Inventories for Sale or Use-$0-
Total Assets$586,070$381,099▼ $204,971
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$7,123$37,548▲ $30,425
Other Liabilities$28,345$25,730▼ $2,615
Escrow Account Liability$20,783--
Total Liabilities$56,251$63,278▲ $7,027
Net Assets / Fund Balance
Temporarily Rstr Net Assets$441,000$229,774▼ $211,226
Unrestricted Net Assets$88,819$88,047▼ $772
Total Net Assets Fund Balance$529,819$317,821▼ $211,998
Total Liabilities and Net Assets / Fund Balance$586,070$381,099▼ $204,971

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$14,495$4,290$18,785
Leasehold Improvements$9,755$5,667$15,422
Other Land Buildings$3,348$2,081$5,429
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Chad GentryExecutive DirectorFT$83,012$83,012

Board Members and Trustees

NameTitle
M Joy GrossPresident
Kathryn PowellVice President
Ed DuricaDirector
Jesse WalkerDirector
Marie PetersDirector
Jesse GollandSecretary
TJ BertTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$450,529
Program Service Revenue
$327,572
Investment Income
$490
Other Revenue
$0
All Other Contributions
$450,529
Change in Net Assets
$-211,998

Audited Revenue Reconciliation

Revenue per Audited Statements
$778,591
Total Revenue per Audited Statements
$778,591
Total Revenue per Form 990
$778,591
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$689,079
Other Expenses$301,510
Total Fundraising Expense$90,179
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$418,444$67,448$31,425$517,317
Fees for Services Other$60,904$3,372$20,000$84,276
Current Officers, Directors, Trustees, and Key Employees$49,808$16,602$16,602$83,012
Advertising$47,280$4,501$4,501$56,282
Occupancy$41,626$3,965$3,965$49,556
Payroll Taxes$35,356$6,346$3,626$45,328
Other Employee Benefits$26,901$4,828$2,759$34,488
Office Expenses$21,686$2,065$2,065$25,816
Conferences and Meetings$24,844--$24,844
Depreciation Depletion$11,943$1,137$1,137$14,217
Information Technology$9,591$1,868$996$12,455
Fees for Services Accounting$10,460--$10,460
Pension Plan Contributions$6,969$1,250$715$8,934
Travel$3,908$1,597$1,597$7,102
Insurance$1,767--$1,767
Other Expenses$764$216$325$980
Total Functional Expenses$783,121$117,289$90,179$990,589

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$990,589
Total Expenses per Audited Statements$990,589
Total Expenses per Form 990$990,589
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deferred rent charges$15,395
Accrued compensated absences$10,335
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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, Part VI, Line 11B: Form 990 Review Process

“Reviewed in detail and accepted by Executive Committee of Board of Directors prior to actual filing.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Reviewed in detail annually with all directors.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Executive Director - Reviewed annually by Board of Directors using data compiled from survey of over 400 nonprofits within the state as compiled by the Colorado Non-profit Association.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Furnished upon receipt of writtten request and a nominal fee for the costs of copying, handling and postage.”

Filing and Contact Details

Filer

EIN
84-1610093
Phone
3032332773

Signing Officer

Name
Chad Gentry
Title
Executive Director
Signed
2014-04-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
M Joy Gross
Formed
2001
Legal Domicile
Co
Voting Board Members
9
Independent Board Members
9
Employees
20
Volunteers
20

Preparer

Preparer
James M Davis
Phone
3037916800
Supplemental Narrative

Additional Explanations

Client Note 1

“Client Note 1 - Schedule A Part Iv-A, lns 27a and 27b Notice Re: Payments from Disqualified Persons and Excess Payments from Nondisqualified PersonsYou are required by the IRS to keep this form in your records in case you are ever audited. However, it is not considered an actual part of your tax return. Therefore, you should keep it separately in your files, and not provide it to anyone who asks for a copy of your Form 990.”

Financial Statement Notes

Part IV, Line 2B: Explanation of escrow account liability

“Client funds held at December 31, 2012 by third party ACH provider under debt management program, not disbursed to applicable creditors until sometime in January of 2013.”

Part X : FIN48 Footnote

“The Organization is exempt from federal and state income taxes and believes it has complied with all requirements necessary to maintain its status.”

Raw XML AppendixShowing 400 of 512 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt07123
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt037548
IRS990/AccountsReceivableGrp/BOYAmt04676
IRS990/AccountsReceivableGrp/EOYAmt035973
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Financial education and debt management services for individuals and families.
IRS990/AdvertisingGrp/FundraisingAmt04501
IRS990/AdvertisingGrp/ManagementAndGeneralAmt04501
IRS990/AdvertisingGrp/ProgramServicesAmt047280
IRS990/AdvertisingGrp/TotalAmt056282
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherContributionsAmt0450529
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Jane Gallagher
IRS990/BooksInCareOfDetail/PhoneNum03032332773
IRS990/BooksInCareOfDetail/USAddress/AddressLine102009 Wadsworth Blvd Ste 200
IRS990/BooksInCareOfDetail/USAddress/City0Lakewood
IRS990/BooksInCareOfDetail/USAddress/State0CO
IRS990/BooksInCareOfDetail/USAddress/ZIPCode080214
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt024555
IRS990/CashNonInterestBearingGrp/EOYAmt0500
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt016602
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt016602
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt049808
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt083012
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt024844
IRS990/ConferencesMeetingsGrp/TotalAmt024844
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0450529
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0490
IRS990/CYOtherExpensesAmt0301510
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0327572
IRS990/CYRevenuesLessExpensesAmt0-211998
IRS990/CYSalariesCompEmpBnftPaidAmt0689079
IRS990/CYTotalExpensesAmt0990589
IRS990/CYTotalFundraisingExpenseAmt090179
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0778591
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt01137
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt01137
IRS990/DepreciationDepletionGrp/ProgramServicesAmt011943
IRS990/DepreciationDepletionGrp/TotalAmt014217
IRS990/Desc0Coaching and Debt Management:Provide a Debt Management Program for clients so they can become financially independent. # served in 2013: 532Provide one on one financial coaching to individuals and families to help them achieve their personally defined financial goals.# served in 2013: 1,004
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt020
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountInd0false
IRS990/EscrowAccountLiabilityGrp/BOYAmt020783
IRS990/ExcessBusinessHoldingsInd0false
IRS990/ExpenseAmt0518483
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt010460
IRS990/FeesForServicesAccountingGrp/TotalAmt010460
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/FundraisingAmt020000
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt03372
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt060904
IRS990/FeesForServicesOtherGrp/TotalAmt084276
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282FiledCnt00
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0Marie Peters
IRS990/Form990PartVIISectionAGrp/PersonNm1TJ Bert
IRS990/Form990PartVIISectionAGrp/PersonNm2Jesse Walker
IRS990/Form990PartVIISectionAGrp/PersonNm3Jesse Golland
IRS990/Form990PartVIISectionAGrp/PersonNm4Ed Durica
IRS990/Form990PartVIISectionAGrp/PersonNm5Kathryn Powell
IRS990/Form990PartVIISectionAGrp/PersonNm6M Joy Gross
IRS990/Form990PartVIISectionAGrp/PersonNm7Chad Gentry
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt783012
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt6President
IRS990/Form990PartVIISectionAGrp/TitleTxt7Executive Director
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0false
IRS990/FormationYr02001
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0778591
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt0996
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt01868
IRS990/InformationTechnologyGrp/ProgramServicesAmt09591
IRS990/InformationTechnologyGrp/TotalAmt012455
IRS990/InsuranceGrp/ProgramServicesAmt01767
IRS990/InsuranceGrp/TotalAmt01767
IRS990/IntangibleAssetsGrp/BOYAmt022642
IRS990/IntangibleAssetsGrp/EOYAmt019627
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt0490
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0490
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt03
IRS990/IRPDocumentW2GCnt00
IRS990/JointCostsInd0X
IRS990/LandBldgEquipAccumDeprecAmt012038
IRS990/LandBldgEquipBasisNetGrp/BOYAmt027623
IRS990/LandBldgEquipBasisNetGrp/EOYAmt027598
IRS990/LandBldgEquipCostOrOtherBssAmt039636
IRS990/LegalDomicileStateCd0CO
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Financial education and debt management services for individuals and families.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0529819
IRS990/NetAssetsOrFundBalancesEOYAmt0317821
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt03965
IRS990/OccupancyGrp/ManagementAndGeneralAmt03965
IRS990/OccupancyGrp/ProgramServicesAmt041626
IRS990/OccupancyGrp/TotalAmt049556
IRS990/OfficeExpensesGrp/FundraisingAmt02065
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt02065
IRS990/OfficeExpensesGrp/ProgramServicesAmt021686
IRS990/OfficeExpensesGrp/TotalAmt025816
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt02759
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt04828
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt026901
IRS990/OtherEmployeeBenefitsGrp/TotalAmt034488
IRS990/OtherExpensesGrp/Desc0Postage and Shipping
IRS990/OtherExpensesGrp/Desc1Printing and Publications
IRS990/OtherExpensesGrp/Desc2Bank fees/other
IRS990/OtherExpensesGrp/Desc3Miscellaneous
IRS990/OtherExpensesGrp/FundraisingAmt0466
IRS990/OtherExpensesGrp/FundraisingAmt1325
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0815
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1569
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2710
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3216
IRS990/OtherExpensesGrp/ProgramServicesAmt04544
IRS990/OtherExpensesGrp/ProgramServicesAmt13169
IRS990/OtherExpensesGrp/ProgramServicesAmt23157
IRS990/OtherExpensesGrp/ProgramServicesAmt3764
IRS990/OtherExpensesGrp/TotalAmt05825
IRS990/OtherExpensesGrp/TotalAmt14063
IRS990/OtherExpensesGrp/TotalAmt23867
IRS990/OtherExpensesGrp/TotalAmt3980
IRS990/OtherLiabilitiesGrp/BOYAmt028345
IRS990/OtherLiabilitiesGrp/EOYAmt025730
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt031425
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt067448
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0418444
IRS990/OtherSalariesAndWagesGrp/TotalAmt0517317
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt03626
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt06346
IRS990/PayrollTaxesGrp/ProgramServicesAmt035356
IRS990/PayrollTaxesGrp/TotalAmt045328
IRS990/PensionPlanContributionsGrp/FundraisingAmt0715
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt01250
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt06969
IRS990/PensionPlanContributionsGrp/TotalAmt08934
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt015889
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt011517
IRS990/PrincipalOfficerNm0M Joy Gross
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Bankruptcy education
IRS990/ProgramServiceRevenueGrp/Desc1Client fees - coaching
IRS990/ProgramServiceRevenueGrp/Desc2Client fees - Debt Mgt
IRS990/ProgramServiceRevenueGrp/Desc3Contract fee for service
IRS990/ProgramServiceRevenueGrp/Desc4Other misc fees
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt079554
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt131083
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2191769
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt324208
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4958
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt079554
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt131083
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2191769
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt324208
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4958
IRS990/ProgSrvcAccomActy2Grp/Desc0Acting as a federally approved bankruptcy education provider to meet the requirements of bankruptcy legislation.# served in 2013: 1,991
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0140720
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt079554
IRS990/ProgSrvcAccomActy3Grp/Desc0Provide financial education workshops to the general public on topics ranging from how to sustain a debt free lifestyle to how to balance a checkbook. In 2013, 1,086 attendees participated in workshops.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0123918
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt055291
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0714662
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0190
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0221676
IRS990/PYProgramServiceRevenueAmt0349070
IRS990/PYRevenuesLessExpensesAmt0421657
IRS990/PYSalariesCompEmpBnftPaidAmt0420589
IRS990/PYTotalExpensesAmt0642265
IRS990/PYTotalRevenueAmt01063922
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-211998
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0191769
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0490685
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0285884
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0450529
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0714661
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0174815
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0161702
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0159067
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01660774
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0490
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0190
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0224
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0487
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0974
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt02365
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.52520
IRS990ScheduleA/PublicSupportPY170Pct00.56700
IRS990ScheduleA/PublicSupportTotal170Amt0873441
IRS990ScheduleA/SubstantialContributorsTotAmt0787333
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0450529
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0714661
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0174815
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0161702
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0159067
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01660774
IRS990ScheduleA/TotalSupportAmt01663139
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
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
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt014495
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04290
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt018785
IRS990ScheduleD/ExpensesSubtotalAmt0990589
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt09755
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt05667
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt015422

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$381,099
Liabilities
$63,278
Net assets
$317,821
Revenue
$778,591
Expenses
$990,589
Net income
-$211,998
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Summary only. Only limited summary data is available for this year.$0.09$0.00$0.09$0.44$0.53$0.09
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.51$0.31$0.19$1.27$1.14$0.13
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.17$0.11$0.06$1.05$1.12$0.07
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.26$0.14$0.13$1.18$0.97$0.20
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.14$0.11$0.03$0.94$0.98$0.04
2015Detailed filing. Detailed filing data is available for this year.$0.11$0.04$0.07$0.63$1.09$0.47
2014Detailed filing. Detailed filing data is available for this year.$0.61$0.08$0.54$1.24$1.02$0.22
2013Detailed filing. Detailed filing data is available for this year.$0.38$0.06$0.32$0.78$0.99$0.21
2012Summary only. Only limited summary data is available for this year.$0.59$0.06$0.53$1.06$0.64$0.42
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.13$0.02$0.11$0.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.12$0.02$0.11$0.55
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)3 • $500k-$1M nonprofits