Civic Intelligence

Innovative Changes

EIN 80-0516996 • 501(c)3 • Portland, OR

Profile

Our mission is to help people build their long-term financial health. Our vision is a society where all people have access to safe, affordable financial products and services and the ability to use them well. Our guiding principles work to advance economic justice for those disenfranchised and excluded by the mainstream financial services sector, celebrate the diverse cultures of our communities by implementing culturally responsive programming and we commit to building a strong, financially sustainable organization.

2027 Lloyd CenterPortland, OR 97232

www.innovativechanges.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

95th percentile

1.48x

Higher debt load relative to assets than 95% of similar nonprofits.

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

Liabilities / Revenue

98th percentile

4.02x

Higher debt load relative to revenue than 98% of similar nonprofits.

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

Net Margin

11th percentile

-81%

Higher net margin than 11% of similar nonprofits.

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

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

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

Asset Growth

27th percentile

-29%

Faster asset growth than 27% of similar nonprofits.

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

Revenue Growth

39th percentile

-13%

Faster revenue growth than 39% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$367,695

Down $150,023 (-29%) from 2019

Liabilities

Down

$545,711

Down $41,148 (-7.0%) from 2019

Net Assets

Down

-$178,016

Down $108,875 (-157%) from 2019

Operations
Liabilities / Revenue98th percentileNet Margin11th percentile

Revenue

Down

$135,591

Down $20,801 (-13%) from 2019

Expenses

Down

$245,092

Down $19,883 (-7.5%) from 2019

Net Income

Down

-$109,501

Down $918 (-0.8%) from 2019

Trend Graphs

Balance Sheet Trend

Asset Growth27th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600K$400K$200K$0-$200KAssets 2011: $355,963Liabilities 2011: $113,717Net Assets 2011: $242,2462011Assets 2012: $413,795Liabilities 2012: $205,523Net Assets 2012: $208,2722012Assets 2013: $461,364Liabilities 2013: $94,773Net Assets 2013: $366,5912013Assets 2015: $403,166Liabilities 2015: $67,722Net Assets 2015: $335,4442015Assets 2017: $396,588Liabilities 2017: $277,165Net Assets 2017: $119,4232017Assets 2018: $437,626Liabilities 2018: $397,861Net Assets 2018: $39,7652018Assets 2019: $517,718Liabilities 2019: $586,859Net Assets 2019: -$69,1412019Assets 2020: $367,695Liabilities 2020: $545,711Net Assets 2020: -$178,0162020

Highlighted filing

2020

Assets$367,695
Liabilities$545,711
Net Assets-$178,016
Open 2020 Filing

Operations Trend

Revenue Growth39th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0-$200K-$400KExpenses 2011: $213,4812011Expenses 2012: $274,1712012Expenses 2013: $320,3042013Revenue 2015: $469,457Expenses 2015: $365,606Net Income 2015: $103,8512015Revenue 2017: $230,509Expenses 2017: $446,303Net Income 2017: -$215,7942017Revenue 2018: $223,938Expenses 2018: $303,596Net Income 2018: -$79,6582018Revenue 2019: $156,392Expenses 2019: $264,975Net Income 2019: -$108,5832019Revenue 2020: $135,591Expenses 2020: $245,092Net Income 2020: -$109,5012020

Highlighted filing

2020

Revenue$135,591
Expenses$245,092
Net Income-$109,501
Open 2020 Filing

Filings

Most recent year

2020 • Form 990EZXML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$367,695
Liabilities
$545,711
Net assets
-$178,016
Revenue
$135,591
Expenses
$245,092
Net income
-$109,501
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.68$5.46$1.78$1.36$2.45$1.10
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.18$5.87$0.69$1.56$2.65$1.09
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.38$3.98$0.40$2.24$3.04$0.80
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.97$2.77$1.19$2.31$4.46$2.16
2015Detailed filing. Detailed filing data is available for this year.$4.03$0.68$3.35$4.69$3.66$1.04
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.61$0.95$3.67$3.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.14$2.06$2.08$2.74
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.56$1.14$2.42$2.13
Latest Detailed Filing

The latest 2020 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2019 below.

Jump To
Filing Snapshot
Filing Period
Jul 1, 2018 to Jun 30, 2019
Signed
May 15, 2020
Return Version
2018v3.1
Gross Receipts
$156,392
Mission and Program Overview

Mission

Our mission is to help people build their long-term financial health. Our vision is a society where all people have access to safe, affordable financial products and services and the ability to use them well. Our guiding principles work to advance economic justice for those disenfranchised and excluded by the mainstream financial services sector, celebrate the diverse cultures of our communities by implementing culturally responsive programming and we commit to building a strong, financially sustainable organization.

Innovative changes helps people build their long term financial health.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$371,838$417,837▲ $45,999
Accounts Receivable$1,114$61,800▲ $60,686
Other Notes and Loans Receivable, Net$48,421$21,755▼ $26,666
Savings and Temporary Cash Investments$9,996$9,999▲ $3
Prepaid Expenses and Deferred Charges$6,257$6,327▲ $70
Land, Buildings, and Equipment, Net$0$0→ $0
Total Assets$437,626$517,718▲ $80,092
Liabilities
Accounts Payable and Accrued Expenses$147,651$223,741▲ $76,090
Other Liabilities$12,054$186,213▲ $174,159
Deferred Revenue$238,156$176,905▼ $61,251
Total Liabilities$397,861$586,859▲ $188,998
Net Assets / Fund Balance
Permanently Rstr Net Assets$51,287$51,287→ $0
Temporarily Rstr Net Assets$25,000$25,000→ $0
Unrestricted Net Assets$-36,522$-145,428▼ $108,906
Total Net Assets Fund Balance$39,765$-69,141▼ $108,906
Total Liabilities and Net Assets / Fund Balance$437,626$517,718▲ $80,092

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$0$14,555$14,555
Equipment$0$10,911$10,911
Compensation and Service Providers
Top Officer Pay81st percentile

Board Members and Trustees

NameTitle
Kevork IsikbayPresident
Ian GallowayDirector (beg May18)
Josh SledgeDirector (beg May18)
Peter HainleyExecutive Director
Sarah ChenvenSecretary
Steve PagenstecherTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$56,248
Program Service Revenue
$98,140
Investment Income
$3
Other Revenue
$2,001
All Other Contributions
$17,341
Change in Net Assets
$-108,583
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$264,975
Total Fundraising Expense$13,227
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Occupancy$30,903$4,522$2,261$37,686
Fees for Services Other$25,100--$25,100
Office Expenses$12,136$1,776$888$14,800
Fees for Services Accounting-$4,850-$4,850
Other Expenses$2,458$19,801$9,901$2,458
Insurance$1,868$273$137$2,278
Information Technology$1,753--$1,753
Fees for Services Management$1,229--$1,229
Advertising$1,063--$1,063
All Other Expenses$545$80$40$665
Total Functional Expenses$220,446$31,302$13,227$264,975
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Loan Security Holdback$186,213
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 1

“Casa of oregon and innovative changes are partners under letter of governance.”

Form 990, Part VI, Section B, Line 11B

“The treasurer and the executive director review it before it is filed with the irs.”

Form 990, Part VI, Section B, Line 12C

“The policy is reviewed annually with all members of the board of directors and the executive director.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Innovative Changes
EIN
80-0516996
Phone
5032495205
Address
2027 LLOYD CENTER, PORTLAND, OR 97232

Signing Officer

Name
Peter Hainley
Title
Executive Director
Phone
5032495205
Signed
2020-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Peter Hainley
Formed
2009
Legal Domicile
Or
Voting Board Members
5
Independent Board Members
5
Employees
0
Volunteers
27

Preparer

Firm
Mcdonald Jacobs Pc
Address
520 SW YAMHILL ST STE 500, PORTLAND, OR 97204
Preparer
Sang Ahn
Phone
5032270581
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The process for financial statement oversight has not changed.”

Raw XML AppendixShowing 400 of 413 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0147651
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0223741
IRS990/AccountsReceivableGrp/BOYAmt01114
IRS990/AccountsReceivableGrp/EOYAmt061800
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0INNOVATIVE CHANGES HELPS PEOPLE BUILD THEIR LONG TERM FINANCIAL HEALTH.
IRS990/AdvertisingGrp/ProgramServicesAmt01063
IRS990/AdvertisingGrp/TotalAmt01063
IRS990/AllOtherContributionsAmt017341
IRS990/AllOtherExpensesGrp/FundraisingAmt040
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt080
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0545
IRS990/AllOtherExpensesGrp/TotalAmt0665
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0PETER HAINLEY
IRS990/BooksInCareOfDetail/PhoneNum05032495205
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02027 LLOYD CENTER
IRS990/BooksInCareOfDetail/USAddress/CityNm0PORTLAND
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OR
IRS990/BooksInCareOfDetail/USAddress/ZIPCd097232
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
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IRS990/CashNonInterestBearingGrp/BOYAmt0371838
IRS990/CashNonInterestBearingGrp/EOYAmt0417837
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt056248
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt03
IRS990/CYOtherExpensesAmt0264975
IRS990/CYOtherRevenueAmt02001
IRS990/CYProgramServiceRevenueAmt098140
IRS990/CYRevenuesLessExpensesAmt0-108583
IRS990/CYSalariesCompEmpBnftPaidAmt00
IRS990/CYTotalExpensesAmt0264975
IRS990/CYTotalFundraisingExpenseAmt013227
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0156392
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt0238156
IRS990/DeferredRevenueGrp/EOYAmt0176905
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0LENDING - INNOVATIVE CHANGES PROVIDES RESPONSIBLE SMALL-DOLLAR CONSUMER LOANS TO HELP BORROWERS WHO ARE EXPERIENCING FINANCIAL EMERGENCIES, HOUSING CHOICE VOUCHER HOLDERS NEEDING SECURITY DEPOSITS, AND THOSE PREPARING FOR ASSET BUILDING OPPORTUNITIES. SINCE OUR INCEPTION IN EARLY 2010 THROUGH FISCAL YEAR 2019 WE ORIGINATED 1239 SMALL DOLLAR LOANS, INCLUDING 499 OPPORTUNITY AND PUBLIC LOANS, 604 CREDIT BUILDER LOANS, 29 EMERGENCY LOANS, 20 LOANS FOR SURVIVORS OF DOMESTIC VIOLENCE, 7 LOANS FOR ADAPTIVE TECHNOLOGY, AND 80 LOANS FOR MOVING COSTS FOR SECTION 8 HOUSING CHOICE VOUCHER HOLDERS.
IRS990/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt00
IRS990/EngagedInExcessBenefitTransInd00
IRS990/ExpenseAmt0114582
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FederatedCampaignsAmt05000
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt04850
IRS990/FeesForServicesAccountingGrp/TotalAmt04850
IRS990/FeesForServicesManagementGrp/ProgramServicesAmt01229
IRS990/FeesForServicesManagementGrp/TotalAmt01229
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt025100
IRS990/FeesForServicesOtherGrp/TotalAmt025100
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.50
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0KEVORK ISIKBAY
IRS990/Form990PartVIISectionAGrp/PersonNm1STEVE PAGENSTECHER
IRS990/Form990PartVIISectionAGrp/PersonNm2SARAH CHENVEN
IRS990/Form990PartVIISectionAGrp/PersonNm3JOSH SLEDGE
IRS990/Form990PartVIISectionAGrp/PersonNm4IAN GALLOWAY
IRS990/Form990PartVIISectionAGrp/PersonNm5PETER HAINLEY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR (BEG MAY18)
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR (BEG MAY18)
IRS990/Form990PartVIISectionAGrp/TitleTxt5EXECUTIVE DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr02009
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GovernmentGrantsAmt033907
IRS990/GrantAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0156392
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/IRPDocumentCnt01
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IRS990/LandBldgEquipCostOrOtherBssAmt025466
IRS990/LegalDomicileStateCd0OR
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
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IRS990/MissionDesc0OUR MISSION IS TO HELP PEOPLE BUILD THEIR LONG-TERM FINANCIAL HEALTH. OUR VISION IS A SOCIETY WHERE ALL PEOPLE HAVE ACCESS TO SAFE, AFFORDABLE FINANCIAL PRODUCTS AND SERVICES AND THE ABILITY TO USE THEM WELL. OUR GUIDING PRINCIPLES WORK TO ADVANCE ECONOMIC JUSTICE FOR THOSE DISENFRANCHISED AND EXCLUDED BY THE MAINSTREAM FINANCIAL SERVICES SECTOR, CELEBRATE THE DIVERSE CULTURES OF OUR COMMUNITIES BY IMPLEMENTING CULTURALLY RESPONSIVE PROGRAMMING AND WE COMMIT TO BUILDING A STRONG, FINANCIALLY SUSTAINABLE ORGANIZATION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt0-69141
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd00
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IRS990/OfficeExpensesGrp/FundraisingAmt0888
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
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IRS990/OtherExpensesGrp/Desc0CASA CONTRACT SERVICES
IRS990/OtherExpensesGrp/Desc1LENDING PROGRAM FEES
IRS990/OtherExpensesGrp/Desc2BAD DEBT
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IRS990/OtherExpensesGrp/ProgramServicesAmt18084
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IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
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IRS990/PoliticalCampaignActyInd00
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IRS990/PrincipalOfficerNm0PETER HAINLEY
IRS990/PriorPeriodAdjustmentsAmt0-323
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/Desc0TRAINING CONTRACTS
IRS990/ProgramServiceRevenueGrp/Desc1LOAN FEES AND INTEREST
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt18807
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt089333
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt18807
IRS990/ProgSrvcAccomActy2Grp/Desc0FINANCIAL EDUCATION - INNOVATIVE CHANGES PROVIDES PRACTICAL, COMPREHENSIVE, ONE-ON-ONE COACHING, FINANCIAL EDUCATION, ASSET BUILDING AND CREDIT BUILDING WORKSHOPS THAT ADDRESS COMMON ROOT CAUSES OF FINANCIAL CHALLENGES AND TEACH BASIC HOUSEHOLD FINANCIAL MANAGEMENT. OF THE TOTAL PEOPLE SERVED IN 2018, WE BRANCHED OUT TO PROVIDE FINANCIAL EDUCATION AND CREDIT BUILDING FOR 56 ADULTS IN CUSTODY AT OREGON STATE PENITENTIARY. THE TARGET POPULATION WAS ADULTS IN CUSTODY WITH A MAXIMUM OF 36 MONTHS LEFT ON THEIR SENTENCE. IN THE WORKSHOP 50% REPORTED THEIR KNOWLEDGE/SKILL LEVEL OF THE SUBJECT MATTER(S) INCREASED AFTER THE WORKSHOP.OUR EXISTING 50 INNOVATIVE CHANGES' PARTNERS REGULARLY REFER CLIENTS TO OUR COACHING PROGRAM. OUR PARTNERS ARE AWARE OF THE SERVICE WE CAN PROVIDE AND HAVE TAKEN ADVANTAGE OF OUR FREE PROGRAM. IN 2018 WE HAD 15 POTENTIAL CLIENTS INQUIRE EACH MONTH FOR OUR COACHING SERVICES. INNOVATIVE CHANGES CAN OFFER FREE COACHING TO SO MANY MORE PEOPLE IN THE PORTLAND AREA, WE ARE ABLE TO MORE WIDELY PUBLICIZE OUR PROGRAM AND ENSURE ALL CLIENTS WHO COME TO US FOR OUR OTHER PRODUCTS AND SERVICES ALSO KNOW THAT WE OFFER FREE FINANCIAL COACHING.WE PARTNERED WITH CASH OREGON, A FREE TAX SITE, TO DIRECT TAX PAYERS TO THE ADDITIONAL RESOURCES AND SERVICES OUR ORGANIZATION CAN PROVIDE. WE CREATED A "MONEY MENU" LISTING OUR SERVICES WHICH WAS INCLUDED ON THE INTAKE CLIPBOARD FOR ALL TAXPAYERS. WE WERE ABLE TO TALK DIRECTLY AND OVER THE PHONE AND EMAIL WITH HUNDREDS OF PEOPLE IN THE COMMUNITY TO LINK THEM TO OUR COACHING PROGRAM AND OUR RESOURCES. WE RECRUITED AND TRAINED 27 VOLUNTEER FINANCIAL COACHES' TO HELP CLIENTS WITH SET GOALS TO ACHIEVE THEIR OWN SELF DETERMINED FINANCIAL WELL-BEING.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0105864
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt056059
IRS990/ProgSrvcAccomActy3Grp/Desc0CREDIT BUILDING - INNOVATIVE CHANGES HELPED OVER 604 CLIENTS TAKE CONTROL OF THEIR CREDIT AND BUILD STRONG CREDIT SCORES TO INCREASE THEIR ACCESS TO WELL-PRICED ASSET-BUILDING CREDIT, SUCH AS HOME MORTGAGES, SMALL BUSINESS LOANS AND HIGHER EDUCATION LOANS. OUR COACHING AND CREDIT BUILDER LOANS HELP PEOPLE WITH NO CREDIT SCORE ESTABLISH A SOLID BASIS FOR RESPONSIBLE BORROWING.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0172765
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01
IRS990/PYOtherExpensesAmt0253483
IRS990/PYOtherRevenueAmt0875
IRS990/PYProgramServiceRevenueAmt050297
IRS990/PYRevenuesLessExpensesAmt0-79658
IRS990/PYSalariesCompEmpBnftPaidAmt050113
IRS990/PYTotalExpensesAmt0303596
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0223938
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-108583
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt042081
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09996
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09999
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt056248
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0172765
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0166842
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0339431
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0394473
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01129759
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt03
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt01
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0235
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0718
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0174
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt01131
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0366986
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt02001
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt0875
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt02212
IRS990ScheduleA/OtherIncome170Grp/TotalAmt05088
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.80740
IRS990ScheduleA/PublicSupportPY170Pct00.78300
IRS990ScheduleA/PublicSupportTotal170Amt0917199
IRS990ScheduleA/SubstantialContributorsTotAmt0212560
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt056248
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0172765
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0166842
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0339431
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0394473
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01129759
IRS990ScheduleA/TotalSupportAmt01135978
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt010911
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt010911
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt014555
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt014555
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0186213
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0LOAN SECURITY HOLDBACK
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalLiabilityAmt0186213
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CASA OF OREGON AND INNOVATIVE CHANGES ARE PARTNERS UNDER LETTER OF GOVERNANCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE TREASURER AND THE EXECUTIVE DIRECTOR REVIEW IT BEFORE IT IS FILED WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE POLICY IS REVIEWED ANNUALLY WITH ALL MEMBERS OF THE BOARD OF DIRECTORS AND THE EXECUTIVE DIRECTOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PROCESS FOR FINANCIAL STATEMENT OVERSIGHT HAS NOT CHANGED.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0OR
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt025000
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt025000
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0437626
IRS990/TotalAssetsEOYAmt0517718
IRS990/TotalAssetsGrp/BOYAmt0437626
IRS990/TotalAssetsGrp/EOYAmt0517718
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt056248
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt013227
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt031302
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0220446
IRS990/TotalFunctionalExpensesGrp/TotalAmt0264975
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0397861
IRS990/TotalLiabilitiesEOYAmt0586859
IRS990/TotalLiabilitiesGrp/BOYAmt0397861
IRS990/TotalLiabilitiesGrp/EOYAmt0586859
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt039765
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-69141
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0220446
IRS990/TotalProgramServiceRevenueAmt098140
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt03
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0100141
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0156392
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt027
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0437626
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0517718
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0-36522
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0-145428
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02027 LLOYD CENTER
IRS990/USAddress/CityNm0PORTLAND
IRS990/USAddress/StateAbbreviationCd0OR
IRS990/USAddress/ZIPCd097232
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.INNOVATIVECHANGES.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02020-11-06 18:47:13Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0PETER HAINLEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05032495205
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0INNOVATIVE CHANGES
ReturnHeader/Filer/BusinessNameControlTxt0INNO
ReturnHeader/Filer/EIN0800516996
ReturnHeader/Filer/PhoneNum05032495205
ReturnHeader/Filer/USAddress/AddressLine1Txt02027 LLOYD CENTER
ReturnHeader/Filer/USAddress/CityNm0PORTLAND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OR
ReturnHeader/Filer/USAddress/ZIPCd097232
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0DA39A3EE5E6B4B0D3255BFEF95601890AFD80709
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId06C9B1A35775087DBDB8A6D25ECA509C7F6C27838
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt050.204.228.78
ReturnHeader/FilingSecurityInformation/IPDt02020-05-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm013:56:47

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