Civic Intelligence

Consumer Education and Training Services

990 • Fiscal year 2021 • EIN 91-2061723

Jan 01, 2021 to Dec 31, 2021 • Filed on Nov 14, 2022

Organization Profilewww.centsprogram.com
PMB 215 10002 Aurora Ave N APT 36Seattle, WA 98133

(206) 267-7017

Siviq Scores

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

Liabilities / Assets

71st percentile

0.04x

Higher debt load relative to assets than 71% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Liabilities / Revenue

74th percentile

0.05x

Higher debt load relative to revenue than 74% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Net Margin

49th percentile

7.8%

Higher net margin than 49% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Top Officer Pay

99th percentile

$161,517

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 70.6% of source-year revenue.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Asset Growth

18th percentile

-20%

Faster asset growth than 18% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Annualized from 2020 to 2021

Revenue Growth

59th percentile

15%

Faster revenue growth than 59% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets71st percentile

Assets

Down

$276,555

Down $70,005 (-20%) from 2020

Net Assets

Down

$266,051

Down $47,017 (-15%) from 2020

Liabilities

Down

$10,504

Down $22,988 (-69%) from 2020

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin49th percentile

Revenue

Up

$228,882

Up $30,687 (+15%) from 2020

Expenses

Up

$211,131

Up $48,697 (+30%) from 2020

Net Income

Down

$17,751

Down $18,010 (-50%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth18th 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

2021

Assets$276,555
Liabilities$10,504
Net Assets$266,051
Open 2021 Filing

Operations Trend

Revenue Growth59th 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

2021

Revenue$228,882
Expenses$211,131
Net Income$17,751
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Nov 14, 2022
Return Version
2021v4.2
Gross Receipts
$230,845
Mission and Program Overview

Mission

Consumer bankruptcy education

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$248,300$266,051▲ $17,751
Cash and Non-Interest-Bearing Accounts$221,168$150,715▼ $70,453
Savings and Temporary Cash Investments$125,392$125,404▲ $12
Total Assets$346,560$276,555▼ $70,005
Other Assets Total-$436-
Liabilities
Unsecured Notes Loans Payable$33,215$10,000▼ $23,215
Accounts Payable and Accrued Expenses$65,045$504▼ $64,541
Total Liabilities$98,260$10,504▼ $87,756
Net Assets / Fund Balance
Total Net Assets Fund Balance$248,300$266,051▲ $17,751
Total Liabilities and Net Assets / Fund Balance$346,560$276,555▼ $70,005
Compensation and Service Providers
Top Officer Pay99th percentile

Board Members and Trustees

NameTitle
Sandra JonesPresident
Anthony NeupertVice President
-Director
Aditi ParanjpyeDirector
Alicia ThomasDirector
Andrew MortonDirector
Brian FreeDirector
Christian WeinmannDirector
Dan HagenDirector
Dan YoungblutDirector
David NeuDirector
Diane DickDirector
Ella VincentDirector
Garrett SloanDirector
Hilary MohrDirector
Hugh McCulloughDirector
James ZackDirector
Jennifer AspaasDirector
John KaplanDirector
Kern GilletteDirector
Melissa HuelsmanDirector
Michelle KaplanDirector
Robert AmkrautDirector
Thomas BufordDirector
Todd TracyDirector
Tony LeahyExecutive Director
Vincente BarrazaSecretary
Kathleen ShoemakerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$99,784
Program Service Revenue
$71,747
Investment Income
$13
Other Revenue
$57,338
All Other Contributions
$12,372
Change in Net Assets
$17,751
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$179,839
Other Expenses$31,292
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$142,135$19,382-$161,517
Payroll Taxes$11,161$1,522-$12,683
Fees for Services Other$8,421$2,820-$11,241
Other Expenses-$6,154-$6,154
Other Salaries and Wages-$5,639-$5,639
Insurance-$4,229-$4,229
All Other Expenses$219$3,466-$3,685
Fees for Services Accounting-$3,682-$3,682
Office Expenses-$1,823-$1,823
Interest-$478-$478
Total Functional Expenses$161,936$49,195$0$211,131
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
Yes

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$11,097
Fundraising Direct Expenses$1,963
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Annual dinner and gala$37,984$9,134-$9,134
Wine event$6,899$1,963-$1,963
Total Events$44,883$11,097$1,963$9,134
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 considering experience and education, comparing it to similar positions in the industry.”

Form 990, Part VII, Section C, Line 19

“There have been no requests for inspection of govermning 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
PMB 215 10002 Aurora Ave N APT 36, Seattle, WA 98133

Signing Officer

Name
Tony Leahy
Title
Executive Director
Phone
2062677017
Signed
2022-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tony Leahy
Formed
2000
Legal Domicile
Wa
Voting Board Members
28
Independent Board Members
28
Employees
2

Preparer

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

Additional Explanations

Form 990, Part III, Line 4D

“Program Service Expenses 13,936, Grants and allocations 0, Revenue 0 CREDIT STUDY CENTS participated in the CREDIT study with the Hutch. This is a national study that will address cancer-related hardship through delivery of a proactive financial navigation intervention. CENTS furthered preparation and infrastructure for the study and began seeing patients and spouses in 2021.”

Form 990, Part III, Line 4D

“Program Service Expenses 15,677, Grants and allocations 0, Revenue 0 DEBT SLAPPED FOR PARENTS also known as Debt Slapped ror Families This program helps parents of K-12 children plan for their childrens future higher education by helping them assess how they can save money and/or reduce the costs of future higher education expenses. CENTS updated the Activity Workbook and Resource Guide and designed a video of the presentation in 2021.”

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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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IRS990/Form990PartVIISectionAGrp/TitleTxt0Executive Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2President
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt16Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt17Director
IRS990/Form990PartVIISectionAGrp/TitleTxt18Director
IRS990/Form990PartVIISectionAGrp/TitleTxt19Director
IRS990/Form990PartVIISectionAGrp/TitleTxt20Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt21Director
IRS990/Form990PartVIISectionAGrp/TitleTxt22Director
IRS990/Form990PartVIISectionAGrp/TitleTxt23Director
IRS990/Form990PartVIISectionAGrp/TitleTxt24Director
IRS990/Form990PartVIISectionAGrp/TitleTxt25Director
IRS990/Form990PartVIISectionAGrp/TitleTxt26Director
IRS990/Form990PartVIISectionAGrp/TitleTxt27Director
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IRS990/ProgSrvcAccomActy2Grp/Desc0SENIOR MONEY Senior Money helps senior citizens identify and avoid scams. CENTS provided monthly articles for the newsletters of various senior centers in 2021 and held one virtual presentation for multiple senior centers.
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IRS990/ProgSrvcAccomActy3Grp/Desc0NATIONAL CANCER COMPREHENSIVE NETWORK NCCN STUDY CENTS participated in the NCCN study with the Fred Hutchinson Cancer Research Center the Hutch. The study is a randomized pilot study of proactive functional navigation intervention in patients with newly diagnosed gastric and gastroesophageal junction adenocarcinoma. CENTS continued study preparation and began seeing patients for the study.
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Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$276,555
Liabilities
$10,504
Net assets
$266,051
Revenue
$228,882
Expenses
$211,131
Net income
$17,751
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
2021Detailed filing. Detailed filing data is available for this year.$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