T&b Consultants

Nonprofit profile at a glance

EIN: 453608301
IRS 990-EZ coverage: 2021–2024
Forms available: Form 990-EZ 2024
Location: Lincoln, CA, USA
Phone: 9168936930
Rating: 42
Verdict: MIXED
Rating confidence: Moderate
Sector: Financial Counseling

Reported finances

Revenue: $118,800
Expenses: $114,915
Assets: $9,980
Liabilities: $0

Source: IRS Form 990-EZ. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

2 people listed

Executive titles in this filing

Shandra Thomas (Executive Director)

People named in this filing

Shandra Thomas (Executive Director)
Carolee Burse (Program Director)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990-EZ. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Program provides financial coaching counseling creditdebt education via 11 consultations and group workshop settings

What it reported doing in 2024

Operating model

Revenue model: Donor-supported. 100% of the money available for current operations came from contributions and gifts.
Distribution model: No current program activity. The filing reports no program spending for the current year.

The verdict

MIXED - The filed numbers largely add up. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.

Rating breakdown

Financial Efficiency: 0
Transparency & Controls: 100
Sustainability: 32
Growth: 0

Detailed rating inputs

Financial Efficiency

Mission deployment rate: 0%; rating input score 0
Program expense ratio: 0%; rating input score 0

Transparency & Controls

Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
Major donor itemization: Yes; rating input score 100

Sustainability

Operating margin: 3.3%; rating input score 43; 43rd percentile among comparable filings
Total-asset coverage ratio: 0.09; rating input score 10; 10th percentile among comparable filings
Liabilities to assets ratio: 0; rating input score 76; 76th percentile among comparable filings
Officer compensation ratio: 86.3%; rating input score 0; 0th percentile among comparable filings

Growth

Program expense growth: Limited
Revenue growth: -10.8% per year; rating input score 0; 4th percentile among comparable filings
Asset growth: -2.2% per year; rating input score 0; 21st percentile among comparable filings

Details

Where the money goes: 0% of revenue deployed · 0% of spending went to programs
Governance: Filed governance answers
Accomplishments: 1 filed program accomplishment
Leadership: top reported pay $0 · 2 people listed
Consistency: 9 of 9 current checks pass
Schedules: 3 filed schedules
Filing history: 4 filing years from 2021 to 2024
Contacts: How to reach this organization
Money network: 2 filed money-flow records
Related organizations: Filed and resolved organization relationships.
Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.

High — Financial Efficiency: Mission deployment rate scored 0/100.
High — Financial Efficiency: Program expense ratio scored 0/100.
High — Growth: Revenue growth scored 0/100.
High — Growth: Asset growth scored 0/100.
Moderate — Sustainability: Operating margin scored 43/100.
High — Sustainability: Total-asset coverage ratio scored 10/100.
High — Sustainability: Officer compensation ratio scored 0/100.
Review — Grant Readiness: California registration: this organization could not be resolved against the register, so the check is unfinished.