Civic Intelligence

Consumer Education and Training Services

990 • Fiscal year 2020 • EIN 91-2061723

Jan 01, 2020 to Dec 31, 2020 • Filed on Aug 24, 2021

PMB 215 10002 Aurora Ave N Room 36Seattle, WA 98133

(206) 267-7017

Siviq Scores

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

Liabilities / Assets

75th percentile

0.10x

Higher debt load relative to assets than 75% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Liabilities / Revenue

82nd percentile

0.17x

Higher debt load relative to revenue than 82% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Net Margin

67th percentile

18%

Higher net margin than 67% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Top Officer Pay

99th percentile

$137,102

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 69.2% of source-year revenue.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Asset Growth

70th percentile

25%

Faster asset growth than 70% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Revenue Growth

56th percentile

-8.1%

Faster revenue growth than 56% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Assets

Up

$346,560

Up $69,253 (+25%) from 2019

Net Assets

Up

$313,068

Up $35,761 (+13%) from 2019

Liabilities

Up

$33,492

Up $33,492 from 2019

Revenue

Down

$198,195

Down $17,510 (-8.1%) from 2019

Expenses

Down

$162,434

Down $29,354 (-15%) from 2019

Net Income

Up

$35,761

Up $11,844 (+50%) from 2019

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

2020

Assets$346,560
Liabilities$33,492
Net Assets$313,068

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

2020

Revenue$198,195
Expenses$162,434
Net Income$35,761
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Aug 24, 2021
Return Version
2020v4.1
Gross Receipts
$198,195
Mission and Program Overview

Mission

Consumer bankruptcy education

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$277,307$313,068▲ $35,761
Cash and Non-Interest-Bearing Accounts$151,195$221,168▲ $69,973
Savings and Temporary Cash Investments$126,112$125,392▼ $720
Total Assets$277,307$346,560▲ $69,253
Liabilities
Unsecured Notes Loans Payable-$33,215-
Accounts Payable and Accrued Expenses-$277-
Total Liabilities$0$33,492▲ $33,492
Net Assets / Fund Balance
Total Net Assets Fund Balance$277,307$313,068▲ $35,761
Total Liabilities and Net Assets / Fund Balance$277,307$346,560▲ $69,253
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Tony LeahyExecutive DirectorFT$137,102$137,102

Board Members and Trustees

NameTitle
Brian FreePresident
Sandra JonesVice President
-Director
Aditi ParanjpyeDirector
Alicia ThomasDirector
Andrew MortonDirector
Christian WeinmannDirector
David NeuDirector
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
Anthony NeupertSecretary
Kathleen ShoemakerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$198,098
Program Service Revenue
$0
Investment Income
$97
Other Revenue
$0
All Other Contributions
$52,381
Change in Net Assets
$35,761
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$137,103
Other Expenses$25,331
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$119,416$17,687-$137,103
Fees for Services Accounting-$3,600-$3,600
All Other Expenses-$3,419-$3,419
Fees for Services Other$440$1,692-$2,132
Other Expenses$8,916$1,777-$1,777
Total Functional Expenses$128,772$33,662$0$162,434
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
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
Filing and Contact Details

Filer

Filer Name
Consumer Education and Training Services
EIN
91-2061723
Phone
2062677017
Address
PMB 215 10002 Aurora Ave N Room 36, Seattle, WA 98133

Signing Officer

Name
Anthony Neupert
Title
Treasurer
Signed
2021-08-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tony Leahy
Formed
2000
Legal Domicile
Wa
Voting Board Members
24
Independent Board Members
24
Employees
0

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, Part III, Line 4D

Program Service Expenses 0, 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 III, Line 4D

Program Service Expenses 15,470, Grants and allocations 0, Revenue 0 Credit Study. CENTS undertook a credit study with the Fred Hutchinson Cancer Research Center. This is a national study that will address cancer-related hardship through delivery of a proactive financial navigation intervention. CENTS created worksheets and forms for patients/participants and training documents for volunteers. CENTS worked out the study protocol and the system to match patients with volunteer counselors. CENTS also recruited financial and legal mentors to consult witrh study counselors when additional expertise or advise was needed. The protocol for accessing mentors was designed as well.

Form 990, Part III, Line 4D

Program Service Expenses 3,831, Grants and allocations 0, Revenue 0 Financial Planning for Cancer. This is the program to pair cancer patients with volunteer financial planners. CENTS performed outreach at camver hospitals and cancer organizations.Fourteen patients were assigned to planners.

Form 990, Part III, Line 4D

Program Service Expenses 14,734, Grants and allocations 0, Revenue 0 Debt-slapped For Families DSFF. This program helps parents of K-12 familes plan for their choldrens future higher education by helpong them assess how they can save money and/or reduce the costs of future higher education expenses. CENTS created a presentation and performed an outreach campaign to 17 high school teachers, 6 financial/public education organizations and 14 school counselors.

Form 990, Part III, Line 4D

Program Service Expenses 2,212, Grants and allocations 0, Revenue 0 Miscellaneous expenses covering various programs.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0Executive Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice President
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6President
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IRS990/Form990PartVIISectionAGrp/TitleTxt17Secretary
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IRS990/Form990PartVIISectionAGrp/TitleTxt19Director
IRS990/Form990PartVIISectionAGrp/TitleTxt20Director
IRS990/Form990PartVIISectionAGrp/TitleTxt21Director
IRS990/Form990PartVIISectionAGrp/TitleTxt22Director
IRS990/Form990PartVIISectionAGrp/TitleTxt23Director
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IRS990/PrincipalOfficerNm0Tony Leahy
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IRS990/ProgSrvcAccomActy2Grp/Desc0Senior Money. Senior Money helps senior citizens identify and avoid scams. CENTS made 12 Senioir Money presentations throughout Washington. It also wrote six articles for newsletters of various senior centers.
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IRS990/ProgSrvcAccomActy3Grp/Desc0National Cancer Comprehensive Network Research Study NCCN. CENTS participated in a study with the Fred Hutchinson Cancer Research Center. The study is a randomized pilot study of proactive functional navigation intervention in patients with newly diagnosed gastric and gastroesophageal junction adenocarcinoma. CENTS created worksheets and forms for patients/participants and training documents and materials for volunteers.CENTS worked out the study protocol and the system to match patients with volunteer planners. CENTS also recruited volunteer financial planners.
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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
2020Detailed filing. Detailed filing data is available for this year.$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