Civic Intelligence

Mpowered

990 • Fiscal year 2014 • EIN 84-1610093

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 30, 2015

Organization Profilewww.mpoweredcolorado.org

View Organization Page

2009 Wadsworth Blvd Ste 100Lakewood, CO 80214

(303) 233-2773

Siviq Scores

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

Liabilities / Assets

52nd percentile

0.13x

Higher debt load relative to assets than 52% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

38th percentile

0.06x

Higher debt load relative to revenue than 38% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Net Margin

77th percentile

18%

Higher net margin than 77% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2014

Asset Growth

93rd percentile

61%

Faster asset growth than 93% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

89th percentile

59%

Faster revenue growth than 89% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$612,626

Up $231,527 (+61%) from 2013

Net Assets

Up

$535,914

Up $218,093 (+69%) from 2013

Liabilities

Up

$76,712

Up $13,434 (+21%) from 2013

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin77th percentile

Revenue

Up

$1,235,486

Up $456,895 (+59%) from 2013

Expenses

Up

$1,017,393

Up $26,804 (+2.7%) from 2013

Net Income

Up

$218,093

Up $430,091 (+203%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth93rd 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

2014

Assets$612,626
Liabilities$76,712
Net Assets$535,914
Open 2014 Filing

Operations Trend

Revenue Growth89th 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

2014

Revenue$1,235,486
Expenses$1,017,393
Net Income$218,093
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 30, 2015
Return Version
2014v5.0
Gross Receipts
$1,235,486
Mission and Program Overview

Mission

Our mission is to empower people to transform their financial futures. We do this through our three primary program areas of financial coaching, financial education, and debt management.

Financial education and debt management services for individuals and families.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$285,884$538,538▲ $252,654
Accounts Receivable$35,973$31,804▼ $4,169
Land, Buildings, and Equipment, Net$27,598$21,216▼ $6,382
Intangible Assets$19,627$12,623▼ $7,004
Prepaid Expenses and Deferred Charges$11,517$8,145▼ $3,372
Cash and Non-Interest-Bearing Accounts$500$300▼ $200
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$381,099$612,626▲ $231,527
Other Assets Total-$0-
Liabilities
Deferred Revenue-$43,033-
Other Liabilities$25,730$27,933▲ $2,203
Accounts Payable and Accrued Expenses$37,548$5,746▼ $31,802
Total Liabilities$63,278$76,712▲ $13,434
Net Assets / Fund Balance
Temporarily Rstr Net Assets$229,774$398,058▲ $168,284
Unrestricted Net Assets$88,047$137,856▲ $49,809
Total Net Assets Fund Balance$317,821$535,914▲ $218,093
Total Liabilities and Net Assets / Fund Balance$381,099$612,626▲ $231,527

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$12,283$8,218$20,501
Leasehold Improvements$6,671$8,751$15,422
Other Land Buildings$2,262$3,167$5,429
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Chad GentryExecutive DirectorFT$99,915$99,915

Board Members and Trustees

NameTitle
Ed DuricaChairman
Marie PetersVice Chair
Angela PithaDirector
Angela SassevilleDirector
Christina FrantzDirector
Jacob HymesDirector
Jessica KardosDirector
Kathryn PowellDirector
M Joy GrossDirector
Nancy A HarveyDirector
Drew BauerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$980,344
Program Service Revenue
$254,770
Investment Income
$372
Other Revenue
$0
All Other Contributions
$980,344
Change in Net Assets
$218,093

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,235,486
Total Revenue per Audited Statements
$1,235,486
Total Revenue per Form 990
$1,235,486
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$709,577
Other Expenses$307,816
Total Fundraising Expense$77,134
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$450,873$37,449$16,288$504,610
Fees for Services Other$89,315$10,041$18,342$117,698
Current Officers, Directors, Trustees, and Key Employees$59,949$19,983$19,983$99,915
Advertising$38,484$5,131$7,696$51,311
Payroll Taxes$39,570$4,448$2,810$46,828
Other Employee Benefits$33,486$3,764$2,378$39,628
Occupancy$28,997$3,260$2,059$34,316
Office Expenses$19,351$2,176$1,374$22,901
Pension Plan Contributions$15,714$1,766$1,116$18,596
Conferences and Meetings$17,063--$17,063
Depreciation Depletion$12,686$1,208$1,208$15,102
Information Technology$12,267$1,379$871$14,517
Fees for Services Accounting$10,346$1,164$734$12,244
Insurance$8,193$921$581$9,695
Travel$5,535$2,541$1,605$9,681
Other Expenses$1,384$64$40$1,488
Total Functional Expenses$844,887$95,372$77,134$1,017,393

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,017,393
Total Expenses per Audited Statements$1,017,393
Total Expenses per Form 990$1,017,393
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
Accrued compensated absences$15,043
Deferred rent charges$12,890
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

Filer Name
Mpowered
EIN
84-1610093
Phone
3032332773
Address
2009 Wadsworth Blvd Ste 100, Lakewood, CO 80214

Signing Officer

Name
Chad Gentry
Title
Executive Director
Signed
2015-04-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Marie Peters
Formed
2001
Legal Domicile
Co
Voting Board Members
11
Independent Board Members
11
Employees
19
Volunteers
20

Preparer

Firm
Davis & Co CPAs PC
Address
9457 S University Blvd 410, Highlands Ranch, CO 80126
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.”

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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/LandBldgEquipCostOrOtherBssAmt041352
IRS990/LegalDomicileStateCd0CO
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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.
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt0535914
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IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt02059
IRS990/OccupancyGrp/ManagementAndGeneralAmt03260
IRS990/OccupancyGrp/ProgramServicesAmt028997
IRS990/OccupancyGrp/TotalAmt034316
IRS990/OfficeExpensesGrp/FundraisingAmt01374
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt02176
IRS990/OfficeExpensesGrp/ProgramServicesAmt019351
IRS990/OfficeExpensesGrp/TotalAmt022901
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt02378
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt03764
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt033486
IRS990/OtherEmployeeBenefitsGrp/TotalAmt039628
IRS990/OtherExpensesGrp/Desc0Printing and Publications
IRS990/OtherExpensesGrp/Desc1Postage and Shipping
IRS990/OtherExpensesGrp/FundraisingAmt049
IRS990/OtherExpensesGrp/FundraisingAmt140
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt077
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt164
IRS990/OtherExpensesGrp/ProgramServicesAmt01674
IRS990/OtherExpensesGrp/ProgramServicesAmt11384
IRS990/OtherExpensesGrp/TotalAmt01800
IRS990/OtherExpensesGrp/TotalAmt11488
IRS990/OtherLiabilitiesGrp/BOYAmt025730
IRS990/OtherLiabilitiesGrp/EOYAmt027933
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt016288
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt037449
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0450873
IRS990/OtherSalariesAndWagesGrp/TotalAmt0504610
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt02810
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04448
IRS990/PayrollTaxesGrp/ProgramServicesAmt039570
IRS990/PayrollTaxesGrp/TotalAmt046828
IRS990/PensionPlanContributionsGrp/FundraisingAmt01116
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt01766
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt015714
IRS990/PensionPlanContributionsGrp/TotalAmt018596
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt011517
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt08145
IRS990/PrincipalOfficerNm0Marie Peters
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/RelatedOrExemptFuncIncomeAmt047917
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt120985
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2135973
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt349895
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt047917
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt120985
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2135973
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt349895
IRS990/ProgSrvcAccomActy2Grp/Desc0Acting as a federally approved bankruptcy education provider to meet the requirements of bankruptcy legislation.# served in 2014: 1,236
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0145229
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt047917
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 2014, 2,046 attendees participated in workshops.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0124686
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt049895
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0450529
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0490
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IRS990/PYOtherExpensesAmt0301510
IRS990/PYProgramServiceRevenueAmt0327572
IRS990/PYRevenuesLessExpensesAmt0-211998
IRS990/PYSalariesCompEmpBnftPaidAmt0689079
IRS990/PYTotalExpensesAmt0990589
IRS990/PYTotalRevenueAmt0778591
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IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0156958
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IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0285884
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0538538
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0450529
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0714661
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0174815
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0161702
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt02482051
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0372
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0490
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0190
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0224
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0487
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt01763
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
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IRS990ScheduleA/PublicSupportPY170Pct00.52520
IRS990ScheduleA/PublicSupportTotal170Amt01100858
IRS990ScheduleA/SubstantialContributorsTotAmt01381193
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0980344
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0450529

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$612,626
Liabilities
$76,712
Net assets
$535,914
Revenue
$1,235,486
Expenses
$1,017,393
Net income
$218,093
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. 2014 filings • 501(c)3 • $1M-$5M nonprofits