Civic Intelligence

Credit & Debt Management Institute

EIN 90-0844004 • 501(c)3 • Bolivar, TN

Profile

Credit and debt amanagement assist the community with credit repair and debt management.

117 S Main StreetBolivar, TN 38008

cdmionline.com

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.98x

Higher debt load relative to assets than 93% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2022

Liabilities / Revenue

86th percentile

0.17x

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

501(c)3 • <$500k nonprofits • Source year 2022

Net Margin

18th percentile

-35%

Higher net margin than 18% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2022

Top Officer Pay

87th percentile

$18,115

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 5.9% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2022

Asset Growth

16th percentile

-67%

Faster asset growth than 16% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

38th percentile

-14%

Faster revenue growth than 38% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$52,632

Down $105,776 (-67%) from 2021

Liabilities

Flat

$51,696

Flat from 2021

Net Assets

Down

$936

Down $105,776 (-99%) from 2021

Operations
Liabilities / Revenue86th percentileNet Margin18th percentile

Revenue

Down

$306,133

Down $50,619 (-14%) from 2021

Expenses

Up

$411,909

Up $208,452 (+102%) from 2021

Net Income

Down

-$105,776

Down $259,071 (-169%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth16th percentile

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

$600K$400K$200K$0-$200KAssets 2020: $391,044Liabilities 2020: $437,627Net Assets 2020: -$46,5832020Assets 2021: $158,408Liabilities 2021: $51,696Net Assets 2021: $106,7122021Assets 2022: $52,632Liabilities 2022: $51,696Net Assets 2022: $9362022

Highlighted filing

2022

Assets$52,632
Liabilities$51,696
Net Assets$936
Open 2022 Filing

Operations Trend

Revenue Growth38th percentile

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

$600K$400K$200K$0-$200KRevenue 2020: $104,554Expenses 2020: $160,251Net Income 2020: -$55,6972020Revenue 2021: $356,752Expenses 2021: $203,457Net Income 2021: $153,2952021Revenue 2022: $306,133Expenses 2022: $411,909Net Income 2022: -$105,7762022

Highlighted filing

2022

Revenue$306,133
Expenses$411,909
Net Income-$105,776
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$52,632
Liabilities
$51,696
Net assets
$936
Revenue
$306,133
Expenses
$411,909
Net income
-$105,776
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.53$0.52$0.01$3.06$4.12$1.06
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.58$0.52$1.07$3.57$2.03$1.53
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.91$4.38$0.47$1.05$1.60$0.56
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 16, 2023
Return Version
2022v5.0
Gross Receipts
$306,133
Mission and Program Overview

Mission

Credit and debt amanagement assist the community with credit repair and debt management.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$45,753$45,753→ $0
Cash and Non-Interest-Bearing Accounts$52,520$6,879▼ $45,641
Prepaid Expenses and Deferred Charges$3,653--
Other Assets Total$56,482$0▼ $56,482
Total Assets$158,408$52,632▼ $105,776
Liabilities
Deferred Revenue$27,004$27,004→ $0
Accounts Payable and Accrued Expenses$19,405$19,405→ $0
Unsecured Notes Loans Payable$5,287$5,287→ $0
Total Liabilities$51,696$51,696→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$106,712$936▼ $105,776
Total Net Assets Fund Balance$106,712$936▼ $105,776
Total Liabilities and Net Assets / Fund Balance$158,408$52,632▼ $105,776
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michael GraysonExecutive DirectorFT$18,115$18,115
Revenue and Support

Revenue Composition

Contributions and Grants
$306,133
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
All Other Contributions
$306,133
Change in Net Assets
$-105,776
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$335,235
Salaries, Compensation, and Employee Benefits$76,674
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$94,655$50,976-$145,631
Other Salaries and Wages$30,670$22,209-$52,879
Office Expenses-$48,179-$48,179
Advertising$38,813--$38,813
Occupancy-$35,136-$35,136
Travel$24,465--$24,465
Information Technology$19,563--$19,563
Current Officers, Directors, Trustees, and Key Employees$10,507$7,608-$18,115
Other Expenses$16,539--$16,539
Insurance-$6,909-$6,909
Payroll Taxes$3,294$2,386-$5,680
Total Functional Expenses$238,506$173,403$0$411,909
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
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 A, Line 8A

“No meetings were held since there is only one board member”

Form 990, Part VI, Section A, Line 8B

“No meetings were held since there is only one board member”

Form 990, Part VI, Section B, Line 11B

“The organization's ed reviews the 990”

Form 990, Part VI, Section C, Line 19

“Financial statements & other documents are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Credit & Debt Management Institute
EIN
90-0844004
Phone
7184813363
Address
117 S MAIN STREET, BOLIVAR, TN 38008

Signing Officer

Name
Flerida Santana
Title
Treasurer
Phone
7184813363
Signed
2023-11-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Flerida Santana
Formed
2020
Legal Domicile
Ny
Voting Board Members
1
Independent Board Members
0
Employees
6
Volunteers
0

Preparer

Firm
Skody Scot & Co Cpas Pc
Address
520 EIGHTH AVE SUITE 2200, NEW YORK, NY 10018
Preparer
William Skody
Phone
2129671100
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Consultants: program service expenses 94,655. Management and general expenses 50,976. Fundraising expenses 0. Total expenses 145,631.”

Raw XML Appendix298 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
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IRS990/ActivitiesConductedPrtshpInd00
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IRS990/GrantsToOrganizationsInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/InvestmentInJointVentureInd00
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IRS990/NondeductibleContributionsInd00
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IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0DUES AND SUBSCRIPTIONS
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IRS990/PayPremiumsPrsnlBnftCntrctInd00
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IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NO MEETINGS WERE HELD SINCE THERE IS ONLY ONE BOARD MEMBER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO MEETINGS WERE HELD SINCE THERE IS ONLY ONE BOARD MEMBER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION'S ED REVIEWS THE 990
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FINANCIAL STATEMENTS & OTHER DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CONSULTANTS: PROGRAM SERVICE EXPENSES 94,655. MANAGEMENT AND GENERAL EXPENSES 50,976. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 145,631.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 8A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART IX, LINE 11G
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
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ReturnHeader/BusinessOfficerGrp/SignatureDt02023-11-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CREDIT & DEBT MANAGEMENT INSTITUTE
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0900844004
ReturnHeader/Filer/PhoneNum07184813363
ReturnHeader/Filer/USAddress/AddressLine1Txt0117 S MAIN STREET
ReturnHeader/Filer/USAddress/CityNm0BOLIVAR
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd038008
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0133597814
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SKODY SCOT & CO CPAS PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0520 EIGHTH AVE SUITE 2200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NEW YORK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd010018
ReturnHeader/PreparerPersonGrp/PhoneNum02129671100
ReturnHeader/PreparerPersonGrp/PreparationDt02023-11-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0WILLIAM SKODY
ReturnHeader/ReturnTs02023-11-15T23:40:59-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0FLERIDA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0SANTANA
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)3 • <$500k nonprofits