Civic Intelligence

Consumer Education and Training Services

990EZ • Fiscal year 2017 • EIN 91-2061723

Jan 01, 2017 to Dec 31, 2017 • Filed on Sep 18, 2018

Organization Profilewww.centsprogram.com
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 2017

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2017

Net Margin

33rd percentile

-3.5%

Higher net margin than 33% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Top Officer Pay

98th percentile

$89,529

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 69.1% of source-year revenue.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Asset Growth

40th percentile

-2.4%

Faster asset growth than 40% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Revenue Growth

17th percentile

-29%

Faster revenue growth than 17% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$187,273

Down $4,565 (-2.4%) from 2016

Net Assets

Down

$187,273

Down $4,565 (-2.4%) from 2016

Liabilities

-

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet Margin33rd percentile

Revenue

Down

$129,531

Down $53,284 (-29%) from 2016

Expenses

Down

$134,096

Down $25,343 (-16%) from 2016

Net Income

Down

-$4,565

Down $27,941 (-120%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth40th percentile

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

2017

Assets$187,273
Liabilities-
Net Assets$187,273
Open 2017 Filing

Operations Trend

Revenue Growth17th percentile

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

2017

Revenue$129,531
Expenses$134,096
Net Income-$4,565
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Sep 18, 2018
Return Version
2017v2.3
Gross Receipts
$140,586
Mission and Program Overview

Mission

Consumer bankruptcy education

Program Services

DescriptionGrantsExpenses
Money Steps. CENTS has partnered with the U.S. Probation and Pretrial Services U.S. Probation to create a financial empowerment program for individuals who have experienced incarceration.-$42,893
Senior Money. This program features Washington State Attorney General Bob Ferguson and the Honorable Karen A Ovestreet ret.. Senior Money is a multimedia consumer education program for senior citizens.-$15,510
Bankruptcy Classes. CENTS provided both the pre-filing credit counseling class for bankruptcy filers and the pre-discharge personal financial management instructional course Innovo. 312 people were served.-$14,642
Debt Slapped. National multimedia financial empowerment program consisting of educational video, companion website, and in-class activity for high school students about the perils of excessive student loans and credit card debt.-$12,602
Financial Planning for Cancer. CENTS started to build the infrastructure for a program that will pair Certified Financial Planners CFPs with cancer patients and/or their caregivers.-$10,663
Hutch/Financial Navigation for Patients with Cancer. CENTS partnered with the Fred Hutchinson Cancer Research Center to complete a groundbreaking research project that provided cancer patients financial coaching and resources.-$5,816
Student Loan Project. CENTS has established and trained special pro bono panel of attorneys to represent select student loan debtors in King County. CENTS will expand its volunteer base so it can reach even more people with debt.-$3,878
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tony LeahyExecutive DirectorFT$79,167$10,362$89,529
Robert AmkrautDirector-$0--
Sandra JonesSecretary-$0--
Eric OrseTreasurer-$0--
Jennifer AspaasDirector-$0--
Mark BaileyDirector-$0--
David NeuDirector-$0--
Antoinette DavisDirector-$0--
Brian FreeVice-President-$0--
Dick HooperDirector-$0--
Melissa HuelsmanDirector-$0--
John KaplanDirector-$0--
William MalaierDirector-$0--
Hugh McCulloughPresident-$0--
Lisa McMahon-MyhranDirector-$0--
Andrew MortonDirector-$0--
Marcia FreyDirector-$0--
Margaret PowersDirector-$0--
Todd TracyDirector-$0--
Faith StevelmanDirector-$0--
Christian WeinmannDirector-$0--
Michelle KaplanDirector-$0--
Katy SamiljanDirector-$0--
Binah YeungDirector-$0--
James ZackDirector-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Bowling party$18,460---
Dinner/auction$76,975$17,695$100$17,595
Total Events$95,435$17,695$11,055$6,640
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
2018-09-18
Discuss with paid preparer
Yes

Preparer

Firm
Richard N Ginnis CPA
Address
PO Box 30081, Seattle, WA 98113
Preparer
Richard N Ginnis
Phone
2067836588
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part III, Line 31

“Debt Slapped. National multimedia financial empowerment program consisting of educational video, companion website, and in-class activity for high school students about the perils of excessive student loans and credit card debt. Grants and allocations 0, Program service expenses 12,602”

Form 990-EZ, Part III, Line 31

“Hutch/Financial Navigation for Patients with Cancer. CENTS partnered with the Fred Hutchinson Cancer Research Center to complete a groundbreaking research project that provided cancer patients financial coaching and resources. Grants and allocations 0, Program service expenses 5,816”

Form 990-EZ, Part III, Line 31

“Financial Planning for Cancer. CENTS started to build the infrastructure for a program that will pair Certified Financial Planners CFPs with cancer patients and/or their caregivers. Grants and allocations 0, Program service expenses 10,663”

Form 990-EZ, Part III, Line 31

“Student Loan Project. CENTS has established and trained special pro bono panel of attorneys to represent select student loan debtors in King County. CENTS will expand its volunteer base so it can reach even more people with debt. Grants and allocations 0, Program service expenses 3,878”

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

“Administrative services 917”

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

“Bank charges 1,603”

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

“Licenses and fees 110”

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

“Parking 516”

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

“Insurance 1,658”

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

“Payroll Taxes 6,494”

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

“Website 529”

Raw XML Appendix280 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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IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent1Amt010955
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt010955
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt076975
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent2Amt018460
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt095435
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt017695
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt017695
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt06640
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt0100
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt0100
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Debt Slapped. National multimedia financial empowerment program consisting of educational video, companion website, and in-class activity for high school students about the perils of excessive student loans and credit card debt. Grants and allocations 0, Program service expenses 12,602
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Hutch/Financial Navigation for Patients with Cancer. CENTS partnered with the Fred Hutchinson Cancer Research Center to complete a groundbreaking research project that provided cancer patients financial coaching and resources. Grants and allocations 0, Program service expenses 5,816
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Financial Planning for Cancer. CENTS started to build the infrastructure for a program that will pair Certified Financial Planners CFPs with cancer patients and/or their caregivers. Grants and allocations 0, Program service expenses 10,663
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Student Loan Project. CENTS has established and trained special pro bono panel of attorneys to represent select student loan debtors in King County. CENTS will expand its volunteer base so it can reach even more people with debt. Grants and allocations 0, Program service expenses 3,878
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Administrative services 917
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Bank charges 1,603
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Licenses and fees 110
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Parking 516
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Insurance 1,658
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Payroll Taxes 6,494
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Website 529
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
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Tony Leahy
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Director
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-09-18
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/FilingSecurityInformation/AtSubmissionCreationDeviceId009706F4FA56D8863B937985E6E03F2B4CE3744D4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId009706F4FA56D8863B937985E6E03F2B4CE3744D4
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt067.183.185.8
ReturnHeader/FilingSecurityInformation/IPDt02018-09-18
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm017:54:52
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Richard N Ginnis CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 30081
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Seattle
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd098113
ReturnHeader/PreparerPersonGrp/PhoneNum02067836588
ReturnHeader/PreparerPersonGrp/PreparationDt02018-09-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Richard N Ginnis
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02018-09-18T01:30:33-00:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$187,273
Liabilities
-
Net assets
$187,273
Revenue
$129,531
Expenses
$134,096
Net income
-$4,565
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
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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