Liabilities / Assets
75th percentile
Higher debt load relative to assets than 75% of similar nonprofits.
990 • Fiscal year 2020 • EIN 91-2061723
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
75th percentile
Higher debt load relative to assets than 75% of similar nonprofits.
Liabilities / Revenue
82nd percentile
Higher debt load relative to revenue than 82% of similar nonprofits.
Net Margin
67th percentile
Higher net margin than 67% of similar nonprofits.
Top Officer Pay
99th percentile
Higher top officer pay than 99% of similar nonprofits.
Top officer pay equals 69.2% of source-year revenue.
Asset Growth
70th percentile
Faster asset growth than 70% of similar nonprofits.
Revenue Growth
56th percentile
Faster revenue growth than 56% of similar nonprofits.
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
Consumer bankruptcy education
| Line | Beginning | End | Change |
|---|---|---|---|
| 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 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Tony Leahy | Executive Director | FT | $137,102 | $137,102 |
| Name | Title |
|---|---|
| Brian Free | President |
| Sandra Jones | Vice President |
| - | Director |
| Aditi Paranjpye | Director |
| Alicia Thomas | Director |
| Andrew Morton | Director |
| Christian Weinmann | Director |
| David Neu | Director |
| Faith Stevelman | Director |
| Garrett Sloan | Director |
| Hilary Mohr | Director |
| Hugh McCullough | Director |
| James Zack | Director |
| Jennifer Aspaas | Director |
| John Kaplan | Director |
| Margaret Powers | Director |
| Mark Bailey | Director |
| Melissa Huelsman | Director |
| Michelle Kaplan | Director |
| Robert Amkraut | Director |
| Todd Tracy | Director |
| Anthony Neupert | Secretary |
| Kathleen Shoemaker | Treasurer |
| Line Item | Amount |
|---|---|
| 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 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| 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 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
“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.”
“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.”
“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.”
“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.”
“Program Service Expenses 2,212, Grants and allocations 0, Revenue 0 Miscellaneous expenses covering various programs.”
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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|---|---|---|
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| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Seattle |
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| IRS990/CYTotalExpensesAmt | 0 | 162434 |
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| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 0 |
| IRS990/Desc | 0 | Debt Slapped. Debt-slapped helps high school students obtain critical information so theyt can make informed decisions about postsecondary education or training. CENTS presented 36 Debt-slapped presentaions to high schools throughout Washington. CENTS also completed the design of a new 11 lesson cirriculum. |
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| IRS990/EscrowAccountInd | 0 | false |
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| IRS990/FamilyOrBusinessRlnInd | 0 | false |
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| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 3600 |
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| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 2132 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Tony Leahy |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Brian Free |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Melissa Huelsman |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | Garrett Sloan |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 21 | Hilary Mohr |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 22 | Aditi Paranjpye |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 19 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Director |
| 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 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 18 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 19 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 20 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 21 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 22 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 23 | Director |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 2000 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 24 |
| IRS990/GovernmentGrantsAmt | 0 | 145717 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 198195 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 24 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 0 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 97 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestTaxExemptBondsInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 1 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LegalDomicileStateCd | 0 | WA |
| IRS990/LoanOutstandingInd | 0 | false |
| 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 empowers people to improve their financial health by developing educational and legal resources to help them prevent or overcome financial challenges. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 277307 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 313068 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 0 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 0 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OnBehalfOfIssuerInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/Desc | 0 | Payroll taxes |
| IRS990/OtherExpensesGrp/Desc | 1 | Office expenses |
| IRS990/OtherExpensesGrp/Desc | 2 | Website costs |
| IRS990/OtherExpensesGrp/Desc | 3 | Insurance |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 1320 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 2785 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 1382 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 1777 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 8916 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 10236 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 2785 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 1382 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 1777 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 0 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrincipalOfficerNm | 0 | Tony Leahy |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Senior 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. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 13260 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | National 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. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 22837 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYContributionsGrantsAmt | 0 | 197520 |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 302 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 24853 |
| IRS990/PYOtherRevenueAmt | 0 | 17883 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 23917 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 166935 |
| IRS990/PYTotalExpensesAmt | 0 | 191788 |
| IRS990/PYTotalRevenueAmt | 0 | 215705 |
| IRS990/QuidProQuoContributionsInd | 0 | false |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | false |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 35761 |
| IRS990/RegularMonitoringEnfrcInd | 0 | false |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | false |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | false |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 277307 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 313068 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 126112 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 125392 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 198098 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt | 0 | 197520 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 111134 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 107840 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 165902 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 780494 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt | 0 | 97 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 302 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 241 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 125 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 125 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt | 0 | 890 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 0.99890 |
| IRS990ScheduleA/PublicSupportPY170Pct | 0 | 0.99860 |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 780494 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind | 0 | X |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 198098 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt | 0 | 197520 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 111134 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 107840 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 165902 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 780494 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 781384 |
| IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorNum | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt | 0 | RESTRICTED |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleJ/AnyNonFixedPaymentsInd | 0 | false |
| IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd | 0 | false |
| IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd | 0 | false |
| IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd | 0 | false |
| IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd | 0 | false |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
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Displayed year
2020 • Form 990Detailed filing. Detailed filing data is available for this year.