Civic Intelligence

Consumer Education and Training Services

990EZ • Fiscal year 2015 • EIN 91-2061723

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 19, 2016

1200 Fifth Ave Room 700Seattle, WA 98101

(206) 267-7017

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2015

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2015

Net Margin

9th percentile

-43%

Higher net margin than 9% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Top Officer Pay

99th percentile

$129,950

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 116.0% of source-year revenue.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Asset Growth

19th percentile

-22%

Faster asset growth than 19% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

26th percentile

-17%

Faster revenue growth than 26% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Assets

Down

$168,213

Down $48,278 (-22%) from 2014

Net Assets

Down

$168,213

Down $48,278 (-22%) from 2014

Liabilities

-

No earlier filing loaded for comparison.

Revenue

Down

$112,001

Down $23,090 (-17%) from 2014

Expenses

Up

$160,279

Up $17,848 (+13%) from 2014

Net Income

Down

-$48,278

Down $40,938 (-558%) from 2014

Historical Trend

Balance Sheet Trend

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

$600K$400K$200K$0Assets 2011: $172,414Liabilities 2011: $02011Assets 2012: $199,008Liabilities 2012: $02012Assets 2013: $223,831Liabilities 2013: $0Net Assets 2013: $223,8312013Assets 2014: $216,491Net Assets 2014: $216,4912014Assets 2015: $168,213Net Assets 2015: $168,2132015Assets 2016: $191,838Net Assets 2016: $191,8382016Assets 2017: $187,273Net Assets 2017: $187,2732017Assets 2018: $253,390Liabilities 2018: $0Net Assets 2018: $253,3902018Assets 2019: $277,307Liabilities 2019: $0Net Assets 2019: $277,3072019Assets 2020: $346,560Liabilities 2020: $33,492Net Assets 2020: $313,0682020Assets 2021: $276,555Liabilities 2021: $10,504Net Assets 2021: $266,0512021Assets 2022: $325,804Liabilities 2022: $26,728Net Assets 2022: $299,0762022Assets 2023: $429,539Liabilities 2023: $45,983Net Assets 2023: $383,5562023Assets 2024: $509,218Liabilities 2024: $96,295Net Assets 2024: $412,9232024

Highlighted filing

2015

Assets$168,213
Liabilities-
Net Assets$168,213

Operations Trend

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

$400K$200K$0-$200KRevenue 2011: $104,350Expenses 2011: $113,739Net Income 2011: -$9,3892011Revenue 2012: $107,758Expenses 2012: $81,164Net Income 2012: $26,5942012Revenue 2013: $197,151Expenses 2013: $172,328Net Income 2013: $24,8232013Revenue 2014: $135,091Expenses 2014: $142,431Net Income 2014: -$7,3402014Revenue 2015: $112,001Expenses 2015: $160,279Net Income 2015: -$48,2782015Revenue 2016: $182,815Expenses 2016: $159,439Net Income 2016: $23,3762016Revenue 2017: $129,531Expenses 2017: $134,096Net Income 2017: -$4,5652017Revenue 2018: $201,562Expenses 2018: $135,445Net Income 2018: $66,1172018Revenue 2019: $215,705Expenses 2019: $191,788Net Income 2019: $23,9172019Revenue 2020: $198,195Expenses 2020: $162,434Net Income 2020: $35,7612020Revenue 2021: $228,882Expenses 2021: $211,131Net Income 2021: $17,7512021Revenue 2022: $253,952Expenses 2022: $220,927Net Income 2022: $33,0252022Revenue 2023: $359,805Expenses 2023: $275,325Net Income 2023: $84,4802023Revenue 2024: $303,551Expenses 2024: $274,185Net Income 2024: $29,3662024

Highlighted filing

2015

Revenue$112,001
Expenses$160,279
Net Income-$48,278
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 19, 2016
Return Version
2015v2.1
Gross Receipts
$123,802
Mission and Program Overview

Mission

Consumer bankruptcy education

Program Services

DescriptionGrantsExpenses
Prison Project. The organization provided three ten-week class series at the Monroe Correctional Complex and four ten-week class series at Washington Correctional Complex for Women for a grand total of 70 classes.-$48,187
Credit counseling Innovo. The organization provided its online credit counseling class for bankruptcy filers and its Innovo personal financial management course for bankruptcy filers to 1073 people.-$27,194
Debt Slapped. The organization overhauled its Debt Slapped website, which is a program to help high school students learn how to wisely finance their post-high school educations and avoid credit card debt.-$18,297
Hutch/Financial Navigation for Patients with Cancer. The organization designed a sixty minute prresentation with accompanying handout materials for patients recently diagnosed with cancer.-$17,571
Senior Money. The organization provided 19 one-hour presentations to help senior citizens avoid becoming victimized by scams.-$9,391
Student Loan Project. The organization performed research and program design for an online educational program for those with student laon debt.-$5,028
Financial Coaching. The organization provided 23 hours of financial coaching/money management trainings at 4 Snohomish County clinics.-$1,795
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tony LeahyExecutive DirectorFT$121,316$8,634$129,950
Robert AmkrautPresident-$0--
Terry KeenanVice-President-$0--
Sandra JonesSecretary-$0--
Eric OrseTreasurer-$0--
Jennifer AspaasDirector-$0--
Mark BaileyDirector-$0--
David NeuDirector-$0--
George Van CleveDirector-$0--
Antoinette DavisDirector-$0--
Brian FreeDirector-$0--
Mary Jo HestonDirector-$0--
Dick HooperDirector-$0--
Melissa HuelsmanDirector-$0--
Raelene JefferyDirector-$0--
John KaplanDirector-$0--
William MalaierDirector-$0--
Hugh McCulloughTreasurer-$0--
Lisa McMahon-MyhranDirector-$0--
Andrew MorganDirector-$0--
Marcia FreyDirector-$0--
Margaret PowersDirector-$0--
Todd TracyDirector-$0--
Faith StevelmanDirector-$0--
Christian WeinmannDirector-$0--
Michelle KaplanDirector-$0--
Katy SamiljanDirector-$0--
Lisa McMahon-MyhranDirector-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Dinner/Auction$75,560$24,122$98$24,024
Bowling Party$10,375---
Total Events$85,935$24,122$11,801$12,321
Filing and Contact Details

Filer

Filer Name
Consumer Education and Training Services
EIN
91-2061723
Phone
2062677017
Address
1200 Fifth Ave Room 700, Seattle, WA 98101

Signing Officer

Name
Tony Leahy
Title
Executive Director
Signed
2016-08-19
Discuss with paid preparer
Yes

Preparer

Preparer
Richard N Ginnis
Phone
2067836588
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part III, Line 31

Senior Money. The organization provided 19 one-hour presentations to help senior citizens avoid becoming victimized by scams. Grants and allocations 0, Program service expenses 9,391

Form 990-EZ, Part III, Line 31

Hutch/Financial Navigation for Patients with Cancer. The organization designed a sixty minute prresentation with accompanying handout materials for patients recently diagnosed with cancer. Grants and allocations 0, Program service expenses 17,571

Form 990-EZ, Part III, Line 31

Financial Coaching. The organization provided 23 hours of financial coaching/money management trainings at 4 Snohomish County clinics. Grants and allocations 0, Program service expenses 1,795

Form 990-EZ, Part III, Line 31

Student Loan Project. The organization performed research and program design for an online educational program for those with student laon debt. Grants and allocations 0, Program service expenses 5,028

Form 990-EZ, Part I, Line 16, Other Expenses

Telephone 320

Form 990-EZ, Part I, Line 16, Other Expenses

Administrative services 917

Form 990-EZ, Part I, Line 16, Other Expenses

Bank charges 1,076

Form 990-EZ, Part I, Line 16, Other Expenses

Licenses and fees 110

Form 990-EZ, Part I, Line 16, Other Expenses

Parking 211

Form 990-EZ, Part I, Line 16, Other Expenses

Insurance 1,608

Form 990-EZ, Part I, Line 16, Other Expenses

Payroll Taxes 5,082

Form 990-EZ, Part I, Line 16, Other Expenses

Website 1,646

Form 990-EZ, Part I, Line 16, Other Expenses

Dues Subscriptions 167

Form 990-EZ, Part I, Line 16, Other Expenses

Gifts 200

Raw XML Appendix295 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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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Robert Amkraut
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Eric Orse
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Treasurer
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IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Credit counseling Innovo. The organization provided its online credit counseling class for bankruptcy filers and its Innovo personal financial management course for bankruptcy filers to 1073 people.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1Prison Project. The organization provided three ten-week class series at the Monroe Correctional Complex and four ten-week class series at Washington Correctional Complex for Women for a grand total of 70 classes.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2Debt Slapped. The organization overhauled its Debt Slapped website, which is a program to help high school students learn how to wisely finance their post-high school educations and avoid credit card debt.
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IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt5Financial Coaching. The organization provided 23 hours of financial coaching/money management trainings at 4 Snohomish County clinics.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt6Student Loan Project. The organization performed research and program design for an online educational program for those with student laon debt.
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IRS990ScheduleA/TotalSupportAmt0530611
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
IRS990ScheduleG/FundraisingEventInformationGrp/CharitableContributionsTotAmt061813
IRS990ScheduleG/FundraisingEventInformationGrp/CharitableContriEvent1Amt051438
IRS990ScheduleG/FundraisingEventInformationGrp/CharitableContriEvent2Amt010375
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt011801
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0Dinner/Auction
IRS990ScheduleG/FundraisingEventInformationGrp/Event2Nm0Bowling Party
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent1Amt011703
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt011703
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt075560
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent2Amt010375
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt085935
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt024122
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt024122
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt012321
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt098
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt098
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Senior Money. The organization provided 19 one-hour presentations to help senior citizens avoid becoming victimized by scams. Grants and allocations 0, Program service expenses 9,391
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Hutch/Financial Navigation for Patients with Cancer. The organization designed a sixty minute prresentation with accompanying handout materials for patients recently diagnosed with cancer. Grants and allocations 0, Program service expenses 17,571
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Financial Coaching. The organization provided 23 hours of financial coaching/money management trainings at 4 Snohomish County clinics. Grants and allocations 0, Program service expenses 1,795
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Student Loan Project. The organization performed research and program design for an online educational program for those with student laon debt. Grants and allocations 0, Program service expenses 5,028
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Telephone 320
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Administrative services 917
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Bank charges 1,076
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Licenses and fees 110
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Parking 211
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Insurance 1,608
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Payroll Taxes 5,082
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Website 1,646
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Dues Subscriptions 167
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13Gifts 200
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part III, Line 31
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part III, Line 31
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part III, Line 31
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990-EZ, Part III, Line 31
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990-EZ, Part I, Line 16, Other Expenses
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Tony Leahy
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Director
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-08-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Consumer Education and Training Services
ReturnHeader/Filer/BusinessNameControlTxt0CONS
ReturnHeader/Filer/EIN0912061723
ReturnHeader/Filer/PhoneNum02062677017
ReturnHeader/Filer/USAddress/AddressLine1Txt01200 Fifth Ave Room 700
ReturnHeader/Filer/USAddress/CityNm0Seattle
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WA
ReturnHeader/Filer/USAddress/ZIPCd098101
ReturnHeader/PreparerPersonGrp/PhoneNum02067836588
ReturnHeader/PreparerPersonGrp/PreparationDt02016-08-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Richard N Ginnis
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02016-08-19T09:57:26-00:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.09$0.96$4.13$3.04$2.74$0.29
2023Summary only. Only limited summary data is available for this year.$4.30$0.46$3.84$3.60$2.75$0.84
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.26$0.27$2.99$2.54$2.21$0.33
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.77$0.11$2.66$2.29$2.11$0.18
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.47$0.33$3.13$1.98$1.62$0.36
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.77$0.00$2.77$2.16$1.92$0.24
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.53$0.00$2.53$2.02$1.35$0.66
2017Detailed filing. Detailed filing data is available for this year.$1.87$1.87$1.30$1.34$0.05
2016Detailed filing. Detailed filing data is available for this year.$1.92$1.92$1.83$1.59$0.23
2015Detailed filing. Detailed filing data is available for this year.$1.68$1.68$1.12$1.60$0.48
2014Detailed filing. Detailed filing data is available for this year.$2.16$2.16$1.35$1.42$0.07
2013Detailed filing. Detailed filing data is available for this year.$2.24$0.00$2.24$1.97$1.72$0.25
2012Summary only. Only limited summary data is available for this year.$1.99$0.00$1.08$0.81$0.27
2011Summary only. Only limited summary data is available for this year.$1.72$0.00$1.04$1.14$0.09