Civic Intelligence

Silver Canady Charitable Collective Inc

EIN 86-1729535 • 501(c)3 • Bowie, MD

Profile

The organization fosters a continuum of campus-based financial wellness programming and supports that build financial life skills and empower students to thrive. Mccfw recognizes the challenges to financing collegiate education and promotes informed decision-making for students and families at critical points in the higher education journey.

PO Box 896Bowie, MD 20718

mccfw.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

73rd percentile

0.04x

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

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

70th percentile

0.01x

Higher debt load relative to revenue than 70% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

80th percentile

28%

Higher net margin than 80% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

96th percentile

$74,300

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 23.7% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

20th percentile

-49%

Faster asset growth than 20% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

94th percentile

166%

Faster revenue growth than 94% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Down

$97,427

Down $94,372 (-49%) from 2023

Liabilities

Down

$3,648

Down $181,370 (-98%) from 2023

Net Assets

Up

$93,779

Up $86,998 (+1283%) from 2023

Operations
Liabilities / Revenue70th percentileNet Margin80th percentile

Revenue

Up

$313,446

Up $195,620 (+166%) from 2023

Expenses

Up

$226,448

Up $114,212 (+102%) from 2023

Net Income

Up

$86,998

Up $81,408 (+1456%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth20th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200K$150K$100K$50K$0Assets 2023: $191,799Liabilities 2023: $185,018Net Assets 2023: $6,7812023Assets 2024: $97,427Liabilities 2024: $3,648Net Assets 2024: $93,7792024

Highlighted filing

2024

Assets$97,427
Liabilities$3,648
Net Assets$93,779
Open 2024 Filing

Operations Trend

Revenue Growth94th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$400K$300K$200K$100K$0Revenue 2023: $117,826Expenses 2023: $112,236Net Income 2023: $5,5902023Revenue 2024: $313,446Expenses 2024: $226,448Net Income 2024: $86,9982024

Highlighted filing

2024

Revenue$313,446
Expenses$226,448
Net Income$86,998
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$97,427
Liabilities
$3,648
Net assets
$93,779
Revenue
$313,446
Expenses
$226,448
Net income
$86,998
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.97$0.04$0.94$3.13$2.26$0.87
2023Detailed filing. Detailed filing data is available for this year.$1.92$1.85$0.07$1.18$1.12$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 14, 2025
Return Version
2024v5.0
Gross Receipts
$313,446
Mission and Program Overview

Mission

The organization fosters a continuum of campus-based financial wellness programming and supports that build financial life skills and empower students to thrive. Mccfw recognizes the challenges to financing collegiate education and promotes informed decision-making for students and families at critical points in the higher education journey.

Fosters a continuum of campus-based financial wellness programming and supports that build financial life skills and empower students to thrive.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$190,799$87,417▼ $103,382
Accounts Receivable$1,000$10,010▲ $9,010
Savings and Temporary Cash Investments-$0-
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-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Loans From Officers Directors-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$191,799$97,427▼ $94,372
Other Assets Total-$0-
Liabilities
Deferred Revenue$176,114$0▼ $176,114
Grants Payable$4,156$0▼ $4,156
Other Liabilities$4,748$3,648▼ $1,100
Accounts Payable and Accrued Expenses-$0-
Mortgage Notes Payable Secured by Investment Property-$0-
Unsecured Notes Loans Payable-$0-
Escrow Account Liability-$0-
Tax Exempt Bond Liabilities-$0-
Total Liabilities$185,018$3,648▼ $181,370
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,781$93,779▲ $86,998
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$6,781$93,779▲ $86,998
Total Liabilities and Net Assets / Fund Balance$191,799$97,427▼ $94,372
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Tisa Silver CanadyFounder and Executive DirectorPT$74,300$74,300

Board Members and Trustees

NameTitle
Danette BurgessPresident, Board of Directors
Breyann WilliamsSecretary, Board of Directors
Frederick Curtis IiiTreasurer, Board of Directors
Revenue and Support

Revenue Composition

Contributions and Grants
$278,516
Program Service Revenue
$34,930
Investment Income
$0
Other Revenue
$0
All Other Contributions
$278,516
Change in Net Assets
$86,998
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$143,081
Other Expenses$83,367
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$60,115$14,185$0$74,300
Fees for Services Other$50,585$8,295$0$58,880
Comp Disqual Persons$53,191$5,140$0$58,331
Payroll Taxes$8,964$1,486$0$10,450
Information Technology$3,708$4,476$0$8,184
Advertising$4,400$494$0$4,894
Fees for Services Accounting$0$3,941-$3,941
Insurance$0$2,655$0$2,655
Conferences and Meetings$0$1,560$0$1,560
Office Expenses$0$973-$973
Occupancy$0$821$0$821
Other Expenses$250$0$0$250
Travel$0$204$0$204
Fees for Services Legal$0$200$0$200
Total Functional Expenses$181,213$45,235$0$226,448
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
Loans from Officers, Directors, Trustees, and Key Employees-$0-
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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 draft form was provided to the Board of Directors and the organization's bookkeeper for review prior to submission.”

Form 990, Part VI, Section C, Line 19

“Information is made available upon request.”

Filing and Contact Details

Filer

Filer Name
Silver Canady Charitable Collective Inc
EIN
86-1729535
Phone
2028548635
Address
PO BOX 896, BOWIE, MD 20718
Doing Business As
Maryland Center for Collegiate Financial Wellness

Signing Officer

Name
Tisa Silver Canady
Title
Executive Director
Phone
2028548635
Signed
2025-10-14

Organization Details

Principal Officer
Tisa Silver Canady
Formed
2020
Legal Domicile
Md
Voting Board Members
3
Independent Board Members
3
Employees
2
Volunteers
0
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 2

“The organization began building the CRREST (Creditworthy, Ready, Resilient, Empowered, Successful, Thriving) Academy, a financial education curriculum designed specifically for current college and career school students to be delivered via an online education platform.”

Form 990, Part IX, Line 11G

“MCCFW paid several contractors for services including direct service to clients via student loan coaching ($42,290), social media management and newsletter design/publishing ($13,150) and campus and community relations ($3,440).”

Financial Statement Notes

Schedule D, Part X, Line 2

“Payroll liabilities for federal and Maryland income taxes”

Raw XML AppendixShowing 400 of 459 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 events and help sessions for students seeking federal financial aid and federal student loan borrowers: MCCFW hosted online and in-person help sessions to support FAFSA completion. MCCFW hosted several informational webinars for public service employers and provided employees with assistance in completing applications for Public Service Loan Forgiveness (PSLF), Income-Driven Repayment (IDR), and/or consolidation where necessary to obtain federal student loan benefits. These offerings were provided to public servants for free with costs covered by philanthropic grants for pre-K thru 12th grade educators in Prince George's County and Baltimore City, Maryland. As of June 30, 2025, the organization has helped public servants gain approval for more than $20 million in loan forgiveness through PSLF.
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IRS990/Form990PartVIISectionAGrp/TitleTxt0FOUNDER AND EXECUTIVE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT, BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY, BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER, BOARD OF DIRECTORS
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IRS990/MissionDesc0THE ORGANIZATION FOSTERS A CONTINUUM OF CAMPUS-BASED FINANCIAL WELLNESS PROGRAMMING AND SUPPORTS THAT BUILD FINANCIAL LIFE SKILLS AND EMPOWER STUDENTS TO THRIVE. MCCFW RECOGNIZES THE CHALLENGES TO FINANCING COLLEGIATE EDUCATION AND PROMOTES INFORMED DECISION-MAKING FOR STUDENTS AND FAMILIES AT CRITICAL POINTS IN THE HIGHER EDUCATION JOURNEY.
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IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Tisa Silver Canady
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0611710
IRS990/ProgramServiceRevenueGrp/BusinessCd1541612
IRS990/ProgramServiceRevenueGrp/Desc0FAFSA Completion Events
IRS990/ProgramServiceRevenueGrp/Desc1Student Loan Forgiveness Webinars and Support
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt030580
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14350
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt030580
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14350
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Annual virtual Symposium for campus-based professionals and community partners: MCCFW hosts industry experts and campus personnel, mostly from Maryland, to learn, share, and grow collegiate financial wellness initiatives as a part of a larger effort to increase postsecondary student success. The Symposium is offered free of charge and drew nearly 200 attendees from across the nation and some international guests.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt08111
IRS990/ProgSrvcAccomActy2Grp/GrantAmt01000
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0Curriculum writing and pilot planning for the CRREST Academy. CRREST stands for Creditworthy, Ready, Resilient, Empowered, Successful, and Thriving. The Academy will be offered to current college students in Maryland through a pilot. The curriculum will be delivered via an online financial education platform and the content (videos and experiential exercises) is designed specifically for current college and career school students. The pilot phase will launch in 2025 and the Academy will be provided to students free of charge.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt07319
IRS990/ProgSrvcAccomActy3Grp/GrantAmt066862
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0117826
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt039482
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt00
IRS990/PYRevenuesLessExpensesAmt05590
IRS990/PYSalariesCompEmpBnftPaidAmt072754
IRS990/PYTotalExpensesAmt0112236
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0117826
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt086998
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt034930
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/First5Years170Ind0X
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0314446
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0117826
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01335
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt04405
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0438012
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportTotal170Amt0438012
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0314446
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0117826
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01335
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt04405
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0438012
IRS990ScheduleA/TotalSupportAmt0438012
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/ScheduleBRequiredInd01
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt03648
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Payroll liabilities for federal and Maryland income taxes
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2
IRS990ScheduleD/TotalLiabilityAmt03648
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization began building the CRREST (Creditworthy, Ready, Resilient, Empowered, Successful, Thriving) Academy, a financial education curriculum designed specifically for current college and career school students to be delivered via an online education platform.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A draft form was provided to the Board of Directors and the organization's bookkeeper for review prior to submission.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Information is made available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MCCFW paid several contractors for services including direct service to clients via student loan coaching ($42,290), social media management and newsletter design/publishing ($13,150) and campus and community relations ($3,440).
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part III, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part IX, Line 11g
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd01
IRS990/StatesWhereCopyOfReturnIsFldCd0MD
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0191799
IRS990/TotalAssetsEOYAmt097427
IRS990/TotalAssetsGrp/BOYAmt0191799
IRS990/TotalAssetsGrp/EOYAmt097427
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0278516
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt045235
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0181213
IRS990/TotalFunctionalExpensesGrp/TotalAmt0226448
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0185018
IRS990/TotalLiabilitiesEOYAmt03648

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