Civic Intelligence

Innovative Changes

990EZ • Fiscal year 2010 • EIN 80-0516996

Jul 01, 2009 to Jun 30, 2010 • Filed on Feb 14, 2011

Organization ProfileWWW.INNOVATIVECHANGES.ORG
4610 N Trenton97203
Siviq Scores

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

Liabilities / Assets

81st percentile

0.36x

Higher debt load relative to assets than 81% of similar nonprofits.

2010 filings • 501(c)3 • <$500k nonprofits • Source year 2010

Liabilities / Revenue

86th percentile

0.35x

Higher debt load relative to revenue than 86% of similar nonprofits.

2010 filings • 501(c)3 • <$500k nonprofits • Source year 2010

Net Margin

94th percentile

62%

Higher net margin than 94% of similar nonprofits.

2010 filings • 501(c)3 • <$500k nonprofits • Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Balance Sheet
Liabilities / Assets81st percentile

Assets

$219,025

No earlier filing loaded for comparison.

Net Assets

$139,685

No earlier filing loaded for comparison.

Liabilities

$79,340

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue86th percentileNet Margin94th percentile

Revenue

$223,900

No earlier filing loaded for comparison.

Expenses

$84,215

No earlier filing loaded for comparison.

Net Income

$139,685

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$600K$400K$200K$0-$200KAssets 2010: $219,025Liabilities 2010: $79,340Net Assets 2010: $139,6852010Assets 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

2010

Assets$219,025
Liabilities$79,340
Net Assets$139,685
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$600K$400K$200K$0-$200K-$400KRevenue 2010: $223,900Expenses 2010: $84,215Net Income 2010: $139,6852010Expenses 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

2010

Revenue$223,900
Expenses$84,215
Net Income$139,685
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2009 to Jun 30, 2010
Signed
Feb 14, 2011
Return Version
2009v1.7
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.

Filing and Contact Details

Filer

EIN
80-0516996
Raw XML Appendix169 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
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IRS990EZ/DidOrgFileForm1120POLThisYear0false
IRS990EZ/EngagedInExcessBenefitTrans0false
IRS990EZ/EngageInLobbyingActivities0false
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IRS990EZ/ExcessOrDeficitForYear0139685
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AddressUS/AddressLine114610 N Trenton
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition00
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition20
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition40
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition60
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation00
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation30
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation40
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation50
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation621377
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ContriToEmplBenefitPlansEtc01131
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName0Roseanne Marmor
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName1Betty Jo Austin
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName2Matthew Powell
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName3Angela Harbin
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName4Sarah Stevenson
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName5Duke Harjo
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName6Sarah Chenven
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title0Member
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title1Member
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title2Member
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title3Secretary
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title4Member
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title5President
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title6Executive Direc
IRS990EZ/OperatingSchool0false
IRS990EZ/Organization501c0X
IRS990EZ/OrganizationDissolvedEtc0false
IRS990EZ/OrganizationHadUBI0false
IRS990EZ/OtherAssetsTotal/EOY061320
IRS990EZ/OtherExpensesTotal018689
IRS990EZ/PartVIAHghstPaidCntrctProfSer0NONE
IRS990EZ/PartVIOfCompOfHighestPaidEmpl0NONE
IRS990EZ/PrimaryExemptPurpose0The mission of Innovative Changes is to help low-income individuals and families, those who lack adequate access to capital and/or financial services, manage short-term financial needs in order to achieve and maintain household stability.
IRS990EZ/ProgramServiceAccomplishment/DescriptionProgramServiceAccom0Credit Building - provide credit building opportunities to increase access to well-priced wealth-creating assets such as home mortgages and small business and higher education loans.
IRS990EZ/ProgramServiceAccomplishment/DescriptionProgramServiceAccom1Financial Education - provide practical, comprehensive financial coaching that helps households take control of their finances and develop positive spending and savings habits.
IRS990EZ/ProgramServiceAccomplishment/DescriptionProgramServiceAccom2Loan Funding - provide reasonable small-dollar loans, which are necessary to help clients overcome real barriers to transitioning out of poverty and building credit.
IRS990EZ/ProgramServiceAccomplishment/GrantsAndAllocations019890
IRS990EZ/ProgramServiceAccomplishment/GrantsAndAllocations119644
IRS990EZ/ProgramServiceAccomplishment/GrantsAndAllocations229780
IRS990EZ/ProgramServiceRevenue07533
IRS990EZ/ProhibitedTaxShelterTrans0false
IRS990EZ/RelatedOrgControlledEntity0false
IRS990EZ/RelatedOrgSection527Org0false
IRS990EZ/SalariesOtherCompEmplBenefits055270
IRS990EZ/SpecialEventsDirectExpenses00
IRS990EZ/SpecialEventsGrossRevenue00
IRS990EZ/SpecialEventsNetIncomeLoss00
IRS990EZ/StatesWhereCopyOfReturnIsFiled0OR
IRS990EZ/SumOfTotalLiabilities/EOY079340
IRS990EZ/TheBooksAreInCareOf/AddressUS/AddressLine104610 N Trenton
IRS990EZ/TheBooksAreInCareOf/AddressUS/City0Portland
IRS990EZ/TheBooksAreInCareOf/AddressUS/State0OR
IRS990EZ/TheBooksAreInCareOf/AddressUS/ZIPCode097203
IRS990EZ/TheBooksAreInCareOf/NamePerson0Sarah Chenven
IRS990EZ/TheBooksAreInCareOf/TelephoneNumber05039435607
IRS990EZ/TotalAssets/BOY00
IRS990EZ/TotalAssets/EOY0219025
IRS990EZ/TotalExpenses084215
IRS990EZ/TotalProgramServiceExpenses069314
IRS990EZ/TotalRevenue0223900
IRS990EZ/TrnsfrsExemptNonCharRelatedOrg0false
IRS990EZ/WebSite0www.innovativechanges.org
IRS990ScheduleA/AmountsSubstContributorsTotal00
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IRS990ScheduleB/ContributorInfo/ContributorAddressUS/State0RESTRICTED
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ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0800516996
ReturnHeader/Filer/Name/BusinessNameLine10Innovative Changes
ReturnHeader/Filer/NameControl0INNO
ReturnHeader/Filer/Phone05039435607
ReturnHeader/Filer/USAddress/AddressLine104610 N Trenton
ReturnHeader/Filer/USAddress/City0Portland
ReturnHeader/Filer/USAddress/State0OR
ReturnHeader/Filer/USAddress/ZIPCode097203
ReturnHeader/Officer/DateSigned02011-02-14
ReturnHeader/Officer/Name0Angela Harbin
ReturnHeader/Officer/Title0Secretary
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10Carter Adams Tax & Financial Services LLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine107424 N Westanna Ave
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0Portland
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0OR
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0972034138
ReturnHeader/Preparer/Name0Sarah Carter Adams
ReturnHeader/Preparer/Phone05033486430
ReturnHeader/ReturnType0990EZ
ReturnHeader/TaxPeriodBeginDate02009-07-01
ReturnHeader/TaxPeriodEndDate02010-06-30
ReturnHeader/TaxYear02009
ReturnHeader/Timestamp02011-02-14T21:19:13-08:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2010 • Form 990EZFacts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$219,025
Liabilities
$79,340
Net assets
$139,685
Revenue
$223,900
Expenses
$84,215
Net income
$139,685
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
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.19$0.79$1.40$2.24$0.84$1.40