Liabilities / Assets
74th percentile
Higher debt load relative to assets than 74% of similar nonprofits.
EIN 91-2061723 • 501(c)3 • Seattle, WA
Profile
Consumer bankruptcy education
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
74th percentile
Higher debt load relative to assets than 74% of similar nonprofits.
Liabilities / Revenue
82nd percentile
Higher debt load relative to revenue than 82% of similar nonprofits.
Net Margin
60th percentile
Higher net margin than 60% of similar nonprofits.
Top Officer Pay
99th percentile
Higher top officer pay than 99% of similar nonprofits.
Top officer pay equals 69.1% of source-year revenue.
Asset Growth
75th percentile
Faster asset growth than 75% of similar nonprofits.
Revenue Growth
19th percentile
Faster revenue growth than 19% of similar nonprofits.
Assets
Up$509,218
Up $79,679 (+19%) from 2023
Liabilities
Up$96,295
Up $50,312 (+109%) from 2023
Net Assets
Up$412,923
Up $29,367 (+7.7%) from 2023
Revenue
Down$303,551
Down $56,254 (-16%) from 2023
Expenses
Down$274,185
Down $1,140 (-0.4%) from 2023
Net Income
Down$29,366
Down $55,114 (-65%) from 2023
Most recent year
2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
Consumer bankruptcy education
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $202,022 | $469,011 | ▲ $266,989 |
| Rtn Earn Endowment Incm Other Fnds | $383,556 | $412,923 | ▲ $29,367 |
| Cash and Non-Interest-Bearing Accounts | $212,149 | $31,331 | ▼ $180,818 |
| Land, Buildings, and Equipment, Net | $10,302 | $7,386 | ▼ $2,916 |
| Total Assets | $429,539 | $509,218 | ▲ $79,679 |
| Other Assets Total | $5,066 | $1,490 | ▼ $3,576 |
| Liabilities | |||
| Deferred Revenue | $45,000 | $95,000 | ▲ $50,000 |
| Accounts Payable and Accrued Expenses | $983 | $1,295 | ▲ $312 |
| Total Liabilities | $45,983 | $96,295 | ▲ $50,312 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $383,556 | $412,923 | ▲ $29,367 |
| Total Liabilities and Net Assets / Fund Balance | $429,539 | $509,218 | ▲ $79,679 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $7,386 | $8,942 | $16,328 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Tony Leahy | Executive Director | FT | $100,000 | $104,541 | $204,541 |
| Name | Title |
|---|---|
| Aditi Paranjpye | Director President |
| Dan Youngblut | Director Vice President |
| Alicia Thomas | Director |
| Brian Free | Director |
| Christy Tobin-Presser | Director |
| Dan Hagen | Director |
| David Neu | Director |
| Fayre Rasch | Director |
| Hilary Mohr | Director |
| Hugh McCullough | Director |
| James Zack | Director |
| Jane Pearson | Director |
| Jennifer Aspaas | Director |
| John Kaplan | Director |
| Latife Neu | Director |
| Mallory Satre | Director |
| Melissa Huelsman | Director |
| Sandra Jones | Director |
| Thomas Buford | Director |
| Todd Tracy | Director |
| Vincente Barraza | Director |
| Will Corbit | Director |
| William Malaier | Director |
| David Papiez | Director and Secretary |
| Kern Gillette | Treasurer |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $226,721 |
| Other Expenses | $47,464 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $164,677 | $47,951 | - | $204,541 |
| Payroll Taxes | $11,346 | $2,746 | - | $14,092 |
| Other Salaries and Wages | - | - | - | $8,088 |
| Travel | - | $6,642 | - | $6,642 |
| Insurance | - | $6,105 | - | $6,105 |
| Fees for Services Accounting | - | $4,701 | - | $4,701 |
| All Other Expenses | - | $3,933 | - | $3,933 |
| Depreciation Depletion | - | $2,916 | - | $2,916 |
| Conferences and Meetings | - | $2,494 | - | $2,494 |
| Other Expenses | $7,537 | $1,991 | - | $1,991 |
| Office Expenses | - | $1,596 | - | $1,596 |
| Information Technology | - | $1,080 | - | $1,080 |
| Advertising | - | $150 | - | $150 |
| Total Functional Expenses | $183,560 | $90,624 | $0 | $274,185 |
| Line Item | Amount |
|---|---|
| Fundraising Gross Income | $62,784 |
| Fundraising Direct Expenses | $13,590 |
| Professional Fundraising Fees | $0 |
| Event | Gross Receipts | Gross Revenue | Direct Expenses | Net Income |
|---|---|---|---|---|
| Annual dinner gala | $89,188 | $55,675 | $3,478 | $52,197 |
| Bowling event | $7,109 | $7,109 | - | $7,109 |
| Total Events | $96,297 | $62,784 | $13,590 | $49,194 |
| Liability | Amount |
|---|---|
| Federal income taxes | - |
“Program Service Expenses 1,182, Grants and allocations 0, Revenue 0 DEBT CLINIC The Debt Clinic has continued to offer telephonic or remote assistance. CENTS helps recruit and train the volunteer attorneys for the King County Bar Associations Debt Clinic, which provides people the opportunity to speak to an experienced bankruptcy attorney free-of-charge for 30 minutes. In a typical year, the Debt Clinic helps approximately 500 people obtain pro bono legal advice.”
“Program Service Expenses 5,585, Grants and allocations 0, Revenue 0 CANCER AND FINANCES RESEARCH CENTS partnered with the Fred Hutchinson Cancer Research Center the Hutch on several human-subjects research projects to study the impact a cancer diagnosis has on the physical, mental, and financial health of patients. The research projects provide the patients and their families with classes, counseling, educational videos and resources to mitigate negative outcomes from a cancer diagnosis and treatment.”
“Program Service Expenses 1,719, Grants and allocations 0, Revenue 0 MONEY STEPS CENTS partnered with the U.S. Probation and Pretrial Services to create a financial education reentry program for people who have experienced incarceration. The program consists of classes, educational videos, resources, and a website. Since May of 2023, CENTS has completed 12 in-person class series for people who have experienced incarceration. www.moneystepsproject.org.”
“Program Service Expenses 12,138, Grants and allocations 0, Revenue 0 VETERAN FINANCIAL EDUCATION AND LEGAL CLINIC In 2025 CENTS will be launching a program to provide free financial education and legal clinics to U.S.military veterans. The program will consist of classes, digital media, and legal materials and resources.”
“Other changes in net assets, rounding difference, of 1.”
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/Desc | 0 | DEBT SLAPPED CENTS designed a financial education curriculum to help high school students obtain critical information so they can make informed decisions about postsecondary education or training, The curriculum was used as the centerpiece of the statewide Student Loan Awareness Month SLAM campaign, which received a proclamation from Governor Jay Inslee. In the 2023-24 academic year, CENTS provided 84 Debt Slapped classes accross the state, focusing on areas with higher percentages of Latino/Latina/Latinix students, while enhancing the curriculum. www.debtslapped.org. |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 19 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 20 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 21 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 22 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 23 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 24 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 25 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Executive Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Director and Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | Director President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 18 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 19 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 20 | Director Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 21 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 22 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 23 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 24 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 25 | Director |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 2000 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | true |
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| IRS990/FundraisingDirectExpensesAmt | 0 | 13590 |
| IRS990/FundraisingGrossIncomeAmt | 0 | 62784 |
| IRS990/GamingActivitiesInd | 0 | false |
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| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
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| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
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| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
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| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 1080 |
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| IRS990/InterestGrp/TotalAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 7983 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
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| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 7386 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 16328 |
| IRS990/LegalDomicileStateCd | 0 | WA |
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| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | false |
| IRS990/MethodOfAccountingCashInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | CENTS is a financial education nonprofit organization with a mission of helping people to improve their financial health. In 1995, CENTS was founded by the Honorable Karen A. Overstreet, the first women bankruptcy judge in the history of Washington, and veteran attorneys and financial professionals. All of CENTS programs are provided free-of-charge |
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| IRS990/MoreThan5000KToOrgInd | 0 | false |
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| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 412923 |
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| IRS990/NondeductibleContributionsInd | 0 | false |
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| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 1596 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
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| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1490 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 1 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/Desc | 0 | Merchant Chgs |
| IRS990/OtherExpensesGrp/Desc | 1 | Program Expenses |
| IRS990/OtherExpensesGrp/Desc | 2 | Payroll processing |
| IRS990/OtherExpensesGrp/Desc | 3 | Auto expenses |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 5010 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 3309 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 1991 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 7537 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 5010 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 7537 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 3309 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 1991 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 8088 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 2746 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 11346 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 14092 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrincipalOfficerNm | 0 | Kern Gillette |
| IRS990/ProfessionalFundraisingInd | 0 | true |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | SENIOR MONEY CENTS partnered with Washington State Attorney General Bob Ferguson to create a project to help senior citizens identify and avoid scams. The project consists of in-person and virtual presentations educational videos articles written for the newsletters of senior citizens and further resources. CENTS wrote six articles and delivered two in-person presentions in 2024. www.seniormoneyproject.org. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 5048 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
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| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 1602 |
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| IRS990/PYOtherExpensesAmt | 0 | 74562 |
| IRS990/PYOtherRevenueAmt | 0 | 35186 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 84480 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 200763 |
| IRS990/PYTotalExpensesAmt | 0 | 275325 |
| IRS990/PYTotalRevenueAmt | 0 | 359805 |
| IRS990/QuidProQuoContributionsInd | 0 | false |
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| IRS990/RegularMonitoringEnfrcInd | 0 | false |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | false |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 383556 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 412923 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 202022 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 469011 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 246374 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt | 0 | 323017 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 214289 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 171531 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 198098 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 1153309 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt | 0 | 7983 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 1602 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 31 |
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