Civic Intelligence

Consumer Education and Training Services

990 • Fiscal year 2022 • EIN 91-2061723

Jan 01, 2022 to Dec 31, 2022 • Filed on Nov 13, 2023

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

78th percentile

0.08x

Higher debt load relative to assets than 78% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Liabilities / Revenue

82nd percentile

0.11x

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

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Net Margin

62nd percentile

13%

Higher net margin than 62% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Top Officer Pay

99th percentile

$155,000

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 61.0% of source-year revenue.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Asset Growth

70th percentile

18%

Faster asset growth than 70% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

52nd percentile

11%

Faster revenue growth than 52% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Assets

Up

$325,804

Up $49,249 (+18%) from 2021

Net Assets

Up

$299,076

Up $33,025 (+12%) from 2021

Liabilities

Up

$26,728

Up $16,224 (+154%) from 2021

Revenue

Up

$253,952

Up $25,070 (+11%) from 2021

Expenses

Up

$220,927

Up $9,796 (+4.6%) from 2021

Net Income

Up

$33,025

Up $15,274 (+86%) from 2021

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

2022

Assets$325,804
Liabilities$26,728
Net Assets$299,076

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

2022

Revenue$253,952
Expenses$220,927
Net Income$33,025
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 13, 2023
Return Version
2022v5.0
Gross Receipts
$266,589
Mission and Program Overview

Mission

Consumer bankruptcy education

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$266,051$299,076▲ $33,025
Cash and Non-Interest-Bearing Accounts$150,715$200,123▲ $49,408
Savings and Temporary Cash Investments$125,404$125,416▲ $12
Total Assets$276,555$325,804▲ $49,249
Other Assets Total$436$265▼ $171
Liabilities
Deferred Revenue-$16,000-
Unsecured Notes Loans Payable$10,000$10,000→ $0
Accounts Payable and Accrued Expenses$504$728▲ $224
Total Liabilities$10,504$26,728▲ $16,224
Net Assets / Fund Balance
Total Net Assets Fund Balance$266,051$299,076▲ $33,025
Total Liabilities and Net Assets / Fund Balance$276,555$325,804▲ $49,249
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tony LeahyExecutive DirectorFT$90,000$85,500$175,500

Board Members and Trustees

NameTitle
Anthony NeupertPresident
Sandra JonesPresident
Vincente BarrazaVice President
-Director
Aditi ParanjpyeDirector
Andrew MortonDirector
Brian FreeDirector
Christian WeinmannDirector
Dan YoungblutDirector
David NeuDirector
Ella VincentDirector
Fayre RaschDirector
Garrett SloanDirector
Hilary MohrDirector
Hugh McCulloughDirector
James ZackDirector
Jennifer AspaasDirector
John KaplanDirector
Kern GilletteDirector
Latife NeuDirector
Mallory SatreDirector
Melissa HuelsmanDirector
Michelle KaplanDirector
Thomas BufordDirector
Todd TracyDirector
Will CorbitDirector
Alicia ThomasTreasurer
Dan HagenTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$214,289
Program Service Revenue
$0
Investment Income
$31
Other Revenue
$39,632
All Other Contributions
$68,255
Change in Net Assets
$33,025
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$197,608
Other Expenses$23,319
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$150,565$21,917-$172,482
Payroll Taxes$11,733$1,708-$13,441
Other Salaries and Wages-$11,335-$11,335
Travel-$5,251-$5,251
Insurance-$4,157-$4,157
Fees for Services Other$3,440--$3,440
Fees for Services Management-$3,082-$3,082
Office Expenses-$2,159-$2,159
Other Expenses-$992-$992
All Other Expenses-$439-$439
Conferences and Meetings-$436-$436
Information Technology-$392-$392
Other Employee Benefits-$350-$350
Advertising-$333-$333
Total Functional Expenses$165,738$55,189$0$220,927
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
Yes

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$52,269
Fundraising Direct Expenses$12,637
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Gala$86,068$42,034-$42,034
CLE Event$10,236$10,236-$10,236
Total Events$96,304$52,270$12,637$39,633
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 APT 36, Seattle, WA 98133

Signing Officer

Name
Kern Gillette
Title
Executive Director
Phone
2062677017
Signed
2023-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kern Gillette
Formed
2000
Legal Domicile
Wa
Voting Board Members
28
Independent Board Members
28
Employees
4

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 35,821, Grants and allocations 0, Revenue 0 FINANCIAL PLANNING FOR CANCER PATIENTS CENTS continued its partnership with the Fred Hutchinson Cancer Research Center on two human subjects research studies to minimize the negative financial impacts that can accompany a cancer diagnosis. We want to assist the patients in the study and we hope our findings will lead to a program that can be scaled up at various locations to help additional patients. CENTS has helped over 30 patients through these studies so far.

Form 990, Part III, Line 4D

Program Service Expenses 672, Grants and allocations 0, Revenue 0 DEBT CLINIC The Debt Clinic has continued to offer telephonic or remote assistance. CENTS helps recruit and train the volunteer attorneys for the King County Bar Associations Debt Clinic, which provides people the opportunity to speak to an experienced bankruptcy attorney free-of-charge for 30 minutes. In a typical year, the Debt Clinic helps approximately 500 people obtain pro bono legal advice.

Form 990, Part III, Line 4D

Program Service Expenses 18,054, Grants and allocations 0, Revenue 0 STUDENT LOAN DEBT NAVIGATION EVENTS In 2022, CENTS provided a Student Loan Debt Navigation Event SDNE to 30 teachers and a second to over 50 employees of the King County Development Disabilities and Early Childhood Supports Division. CENTS also provided a third training in Whatcom County to 25 community providers. The SLDNEs help people better manage their exisiting student loan debt. CENTS has also created a video of the presentation and placed it on a YOUTube channel, which is accessible on CENTS website.

Form 990, Part III, Line 4D

Program Service Expenses 1,921, Grants and allocations 0, Revenue 0 MONEY STEPS CENTS provided eight classes in 2022 for Pallet Shelters. Many of Pallet Shelters employees have experienced incarceration and/or addiction challenges. CENTS classes were aimed to empower the employees to take control of their financial situation.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0Executive Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1President
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
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/TitleTxt14President
IRS990/Form990PartVIISectionAGrp/TitleTxt15Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt16Director
IRS990/Form990PartVIISectionAGrp/TitleTxt17Director
IRS990/Form990PartVIISectionAGrp/TitleTxt18Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt19Director
IRS990/Form990PartVIISectionAGrp/TitleTxt20Director
IRS990/Form990PartVIISectionAGrp/TitleTxt21Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt22Director
IRS990/Form990PartVIISectionAGrp/TitleTxt23Director
IRS990/Form990PartVIISectionAGrp/TitleTxt24Director
IRS990/Form990PartVIISectionAGrp/TitleTxt25Director
IRS990/Form990PartVIISectionAGrp/TitleTxt26Director
IRS990/Form990PartVIISectionAGrp/TitleTxt27Director
IRS990/Form990PartVIISectionAGrp/TitleTxt28Director
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IRS990/MissionDesc0CENTS empowers people to improve their financial health by developing educational and legal resources to help them prevent or overcome financial challenges.
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IRS990/PrincipalOfficerNm0Kern Gillette
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IRS990/ProgSrvcAccomActy2Grp/Desc0SENIOR MONEY Senior Money was originally developed with Washington Attorney Bob Ferguson and it helps senior citizens identify and avoid scams. CENTS has pivoted to providing remote presentations at senior centers across Washington and contributing articles to their newsletters. In 2022, CENTS wrote eight monthly articles for the newsletters of several senior centers.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt06434
IRS990/ProgSrvcAccomActy3Grp/Desc0DEBT SLAPPED FOR PARENTS also known as DONT GET DEBT FOR PARENTS/PLANNING FOR HIGHER EDUCATION FOR FAMILIES CENTS partnered with the WA529 to promote CENTS free resource to help parents of K-12 students plan for their childrens future higher education. The program consists of an Activity Workbook, Resource Guide and video. In 2022, CENTS updated the written materials and enhanced its video which will further help parents strategize and plan.
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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
2022Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2022 filings • 501(c)3 • <$500k nonprofits