Civic Intelligence

Consumer Education and Training Services

990 • Fiscal year 2019 • EIN 91-2061723

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 12, 2020

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

57th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Liabilities / Revenue

57th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Net Margin

65th percentile

11%

Higher net margin than 65% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Top Officer Pay

99th percentile

$155,337

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 72.0% of source-year revenue.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Asset Growth

61st percentile

9.4%

Faster asset growth than 61% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Annualized from 2018 to 2019

Revenue Growth

59th percentile

7.0%

Faster revenue growth than 59% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Annualized from 2018 to 2019

Assets

Up

$277,307

Up $23,917 (+9.4%) from 2018

Net Assets

Up

$277,307

Up $23,917 (+9.4%) from 2018

Liabilities

Flat

$0

Flat from 2018

Revenue

Up

$215,705

Up $14,143 (+7.0%) from 2018

Expenses

Up

$191,788

Up $56,343 (+42%) from 2018

Net Income

Down

$23,917

Down $42,200 (-64%) from 2018

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

2019

Assets$277,307
Liabilities$0
Net Assets$277,307

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

2019

Revenue$215,705
Expenses$191,788
Net Income$23,917
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 12, 2020
Return Version
2019v5.1
Gross Receipts
$227,852
Mission and Program Overview

Mission

Consumer bankruptcy education

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$253,390$277,307▲ $23,917
Cash and Non-Interest-Bearing Accounts$127,758$151,195▲ $23,437
Savings and Temporary Cash Investments$125,632$126,112▲ $480
Total Assets$253,390$277,307▲ $23,917
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$253,390$277,307▲ $23,917
Total Liabilities and Net Assets / Fund Balance$253,390$277,307▲ $23,917
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tony LeahyExecutive DirectorFT$71,250$84,087$155,337

Board Members and Trustees

NameTitle
Brian FreePresident
Sandra JonesVice President
-Director
Aditi ParanjpyeDirector
Alicia ThomasDirector
Andrew MortonDirector
Anthony NeupertDirector
Binah YeungDirector
Christian WeinmannDirector
David NeuDirector
Eric OrseDirector
Faith StevelmanDirector
Garrett SloanDirector
Hilary MohrDirector
Hugh McCulloughDirector
James ZackDirector
Jennifer AspaasDirector
John KaplanDirector
Margaret PowersDirector
Mark BaileyDirector
Melissa HuelsmanDirector
Michelle KaplanDirector
Robert AmkrautDirector
Todd TracyDirector
Kathleen ShoemakerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$197,520
Program Service Revenue
$0
Investment Income
$302
Other Revenue
$17,883
All Other Contributions
$4,617
Change in Net Assets
$23,917
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$166,935
Other Expenses$24,853
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$138,250$17,087-$155,337
Payroll Taxes$10,322$1,276-$11,598
Travel-$8,607-$8,607
Fees for Services Accounting-$3,800-$3,800
All Other Expenses$390$2,739-$3,129
Insurance-$1,712-$1,712
Fees for Services Management-$1,512-$1,512
Office Expenses-$1,332-$1,332
Other Expenses-$329-$329
Total Functional Expenses$148,962$42,826$0$191,788
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$30,030
Fundraising Direct Expenses$12,147
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Dinner/Auction$90,453$90,453-$90,453
Bowling Party$16,970$16,970-$16,970
Total Events$107,423$107,423-$107,423
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
Annual disclosure for covered persons
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
Yes
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

The tax return is given to the Executive Director and the Treasurer to review before filing.

Form 990, Part VI, Section B, Line 15A

A compensation committee reviews and determines the Executive Directors compensation after comparing it to similar positions in the industry.

Form 990, Part VI, Section C, Line 19

There have been no requests for inspection of governing documents, conflict of interest policy or financial statements.

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
Anthony Neupert
Title
Treasurer
Signed
2020-10-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tony Leahy
Formed
2000
Legal Domicile
Wa
Voting Board Members
26
Independent Board Members
26
Employees
0

Preparer

Preparer
Richard N Ginnis
Phone
2067836588
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 4D

Program Service Expenses 1,669, Grants and allocations 0, Revenue 0 Money Steps. CENTS has partnered with the U.S. Probation and Pretrial Services U.S. Probation to create a financial empowerment program for individuals in confinement and former prisoners.

Form 990, Part III, Line 4D

Program Service Expenses 1,669, Grants and allocations 0, Revenue 0 Hutch Project.. CENTS partnered with Fred Hutchinson Cancer Research Center to complete a groundbreaking research project that provided cancer patients financial coaching and resources.

Form 990, Part III, Line 4D

Program Service Expenses 11,685, Grants and allocations 0, Revenue 0 Financial Education for Families. CENTS helped families plan for higher education.

Form 990, Part III, Line 4D

Program Service Expenses 16,694, Grants and allocations 0, Revenue 0 Student Loan Project. CENTS arranged to help students manage their student loan debt and consult one-on-one with volunteer attormeys.

Form 990, Part III, Line 4D

Program Service Expenses 3,339, Grants and allocations 0, Revenue 0 Debt Clinic. CENTS offered free attorney services to those considering bankruptcy or have other debt management issues.

Form 990, Part IX, Line 24E

Conferences Expense 250

Form 990, Part IX, Line 24E

Licenses Fees 153

Form 990, Part IX, Line 24E

Meeting Expense 358

Form 990, Part IX, Line 24E

Membership 100

Form 990, Part IX, Line 24E

Postage and Shipping 68

Form 990, Part IX, Line 24E

Printing Expense 560

Form 990, Part IX, Line 24E

Program Expense 390

Form 990, Part IX, Line 24E

Publications 347

Form 990, Part IX, Line 24E

Software Expense 219

Form 990, Part IX, Line 24E

Telephone Expense 390

Form 990, Part V, Line 2A

Part V, line 2a of tax return shows no W-2s issued even though Part IX line 5, shows compensation paid, of 146,236. The Executive Directors compensation is paid directly by the King County Bar Association KCBA. CENTS reimburses KCBA and records the charges as compensation. KCBA prepares and issues the W-2 forms reporting the payments made to the Executive Director.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0Executive Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7President
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15Director
IRS990/Form990PartVIISectionAGrp/TitleTxt16Director
IRS990/Form990PartVIISectionAGrp/TitleTxt17Director
IRS990/Form990PartVIISectionAGrp/TitleTxt18Director
IRS990/Form990PartVIISectionAGrp/TitleTxt19Director
IRS990/Form990PartVIISectionAGrp/TitleTxt20Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt21Director
IRS990/Form990PartVIISectionAGrp/TitleTxt22Director
IRS990/Form990PartVIISectionAGrp/TitleTxt23Director
IRS990/Form990PartVIISectionAGrp/TitleTxt24Director
IRS990/Form990PartVIISectionAGrp/TitleTxt25Director
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IRS990/MembersOrStockholdersInd0false
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IRS990/PrincipalOfficerNm0Tony Leahy
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IRS990/ProgSrvcAccomActy2Grp/Desc0Senior 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.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt020032
IRS990/ProgSrvcAccomActy3Grp/Desc0Financial Planning for Cancer. CENTS started to build the infrastructure for a program that will pair Certified Financial Planners CPFs with cancer patients and/or their caregivers. In 2019, CENTS helped over 156 cancer patients and their families work proactively to reduce the negative impact of the high cost of cancer tteatment.
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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
2019Detailed filing. Detailed filing data is available for this year.$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