Liabilities / Assets
81st percentile
Higher debt load relative to assets than 81% of similar nonprofits.
990 • Fiscal year 2015 • EIN 80-0516996
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
81st percentile
Higher debt load relative to assets than 81% of similar nonprofits.
Liabilities / Revenue
84th percentile
Higher debt load relative to revenue than 84% of similar nonprofits.
Net Margin
78th percentile
Higher net margin than 78% of similar nonprofits.
Top Officer Pay
96th percentile
Higher top officer pay than 96% of similar nonprofits.
Top officer pay equals 15.2% of source-year revenue.
Asset Growth
45th percentile
Faster asset growth than 45% of similar nonprofits.
Revenue Growth
95th percentile
Faster revenue growth than 95% of similar nonprofits.
Assets
Down$403,166
Down $58,198 (-13%) from 2013
Net Assets
Down$335,444
Down $31,147 (-8.5%) from 2013
Liabilities
Down$67,722
Down $27,051 (-29%) from 2013
Revenue
$469,457
No earlier filing loaded for comparison.
Expenses
Up$365,606
Up $45,302 (+14%) from 2013
Net Income
$103,851
No earlier filing loaded for comparison.
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.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $360,211 | $177,678 | ▼ $182,533 |
| Pledges and Grants Receivable | - | $82,185 | - |
| Cash and Non-Interest-Bearing Accounts | $1,193 | $67,033 | ▲ $65,840 |
| Other Notes and Loans Receivable, Net | $40,477 | $50,068 | ▲ $9,591 |
| Accounts Receivable | $1,205 | $11,912 | ▲ $10,707 |
| Prepaid Expenses and Deferred Charges | - | $8,167 | - |
| Land, Buildings, and Equipment, Net | $1,491 | $6,123 | ▲ $4,632 |
| Total Assets | $404,577 | $403,166 | ▼ $1,411 |
| Liabilities | |||
| Deferred Revenue | $95,161 | $0 | ▼ $95,161 |
| Other Liabilities | $17,360 | $31,708 | ▲ $14,348 |
| Mortgage Notes Payable Secured by Investment Property | $50,000 | $25,000 | ▼ $25,000 |
| Accounts Payable and Accrued Expenses | $10,462 | $11,014 | ▲ $552 |
| Total Liabilities | $172,983 | $67,722 | ▼ $105,261 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $164,581 | $189,335 | ▲ $24,754 |
| Temporarily Rstr Net Assets | - | $92,185 | - |
| Permanently Rstr Net Assets | $67,013 | $53,924 | ▼ $13,089 |
| Total Net Assets Fund Balance | $231,594 | $335,444 | ▲ $103,850 |
| Total Liabilities and Net Assets / Fund Balance | $404,577 | $403,166 | ▼ $1,411 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Other Land Buildings | $5,903 | $8,547 | $14,450 |
| Equipment | $220 | $8,191 | $8,411 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Nancy Yuill | Executive Director | FT | $63,000 | $8,508 | $71,508 |
| Name | Title |
|---|---|
| Rosanne Marmor | President |
| Felicia Tripp-folsom | Director |
| Kevork Isikbay | Director |
| Prashant Varma | Director |
| Sarah Chenven | Director |
| Amy Youngflesh | Secretary/treasurer |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $256,101 |
| Other Expenses | $109,505 |
| Total Fundraising Expense | $19,189 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $119,561 | $14,168 | $8,481 | $142,210 |
| Current Officers, Directors, Trustees, and Key Employees | $60,119 | $7,124 | $4,264 | $71,507 |
| Occupancy | $23,495 | $2,466 | $1,298 | $27,259 |
| Other Employee Benefits | $17,239 | $2,043 | $1,223 | $20,505 |
| Payroll Taxes | $15,253 | $1,807 | $1,082 | $18,142 |
| Office Expenses | $15,522 | $1,164 | $854 | $17,540 |
| Fees for Services Accounting | $6,708 | $696 | $366 | $7,770 |
| Travel | $6,272 | $400 | $210 | $6,882 |
| Conferences and Meetings | $5,036 | - | - | $5,036 |
| Depreciation Depletion | $3,252 | $385 | $231 | $3,868 |
| Pension Plan Contributions | $3,142 | $372 | $223 | $3,737 |
| Insurance | $2,167 | $227 | $120 | $2,514 |
| Advertising | $1,452 | $152 | $80 | $1,684 |
| Fees for Services Other | $1,332 | $138 | $73 | $1,543 |
| Other Expenses | $1,480 | $1,185 | $25 | $1,480 |
| Fees for Services Legal | $85 | $9 | $5 | $99 |
| Total Functional Expenses | $314,004 | $32,413 | $19,189 | $365,606 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Loan Security Holdback | $31,708 |
“The treasurer and the executive director review it before it is filed with the irs.”
“The policy is reviewed annually with all members of the board of directors and the executive director.”
“The compensation for the executive director was determined by the board of directors as part of her performance review along with use of camparability data.”
“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request.”
“The process has not changed from the prior year”
“The organization follows the provisions of fasb asc topic accounting for uncertainty in income taxes. Management has evaluated the organization's tax positions and concluded that there are no uncertain tax positions that require adjustment to the financial statements to comply with provisions of this topic.”
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/AccountantCompileOrReviewInd | 0 | 1 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 10462 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 11014 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 1205 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 11912 |
| IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | INNOVATIVE CHANGES HELPS PEOPLE BUILD THEIR LONG TERM FINANCIAL HEALTH. |
| IRS990/AddressChangeInd | 0 | X |
| IRS990/AdvertisingGrp/FundraisingAmt | 0 | 80 |
| IRS990/AdvertisingGrp/ManagementAndGeneralAmt | 0 | 152 |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 1452 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 1684 |
| IRS990/AllOtherContributionsAmt | 0 | 394473 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | NANCY YUILL |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5032495205 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2027 LLOYD CENTER |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | PORTLAND |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | OR |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 97232 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 1193 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 67033 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 4264 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 7124 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 60119 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 71507 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 5036 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 5036 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 394473 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 174 |
| IRS990/CYOtherExpensesAmt | 0 | 109505 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 74810 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 103851 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 256101 |
| IRS990/CYTotalExpensesAmt | 0 | 365606 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 19189 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 469457 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 95161 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/FundraisingAmt | 0 | 231 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 385 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 3252 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 3868 |
| IRS990/Desc | 0 | 'LENDING - PROVIDE RESPONSIBLE SMALL-DOLLAR CONSUMER LOANS TO HELP BORROWERS WHO ARE EXPERIENCING FINANCIAL EMERGENCIES, THOSE WISHING TO PAY DOWN OTHER HIGH-COST DEBT AND THOSE PREPARING FOR ASSET BUILDING OPPORTUNITIES. SINCE OUR INCEPTION IN EARLY 2010 THROUGH FISCAL YEAR 2015 WE HAVE ORIGINATED 795 SMALL DOLLAR LOANS, INCLUDING 420 OPPORTUNITY LOANS, 320 CREDIT BUILDER LOANS, 29 EMERGENCY LOANS, 19 LOANS FOR SURVIVORS OF DOMESTIC VIOLENCE AND 7 LOANS FOR ADAPTIVE TECHNOLOGY. |
| IRS990/DescribedInSection501c3Ind | 0 | 1 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 0 |
| IRS990/EmployeeCnt | 0 | 8 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990/ExpenseAmt | 0 | 80311 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/FundraisingAmt | 0 | 366 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 696 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 6708 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 7770 |
| IRS990/FeesForServicesLegalGrp/FundraisingAmt | 0 | 5 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 9 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 85 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 99 |
| IRS990/FeesForServicesOtherGrp/FundraisingAmt | 0 | 73 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 138 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 1332 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 1543 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 8508 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | ROSANNE MARMOR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | AMY YOUNGFLESH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | PRASHANT VARMA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | SARAH CHENVEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | FELICIA TRIPP-FOLSOM |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | KEVORK ISIKBAY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | NANCY YUILL |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 63000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | SECRETARY/TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | EXECUTIVE DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 2009 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 6 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 469457 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 6 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 120 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 227 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 2167 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 2514 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 174 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 174 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 2 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 16738 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1491 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 6123 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 22861 |
| IRS990/LegalDomicileStateCd | 0 | OR |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LobbyingActivitiesInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 0 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 50000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 25000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 231594 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 335444 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 1298 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 2466 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 23495 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 27259 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 854 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 1164 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 15522 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 17540 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsSFAS117Ind | 0 | X |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 1223 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 2043 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 17239 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 20505 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROGRAM COSTS |
| IRS990/OtherExpensesGrp/Desc | 1 | BAD DEBT |
| IRS990/OtherExpensesGrp/Desc | 2 | OTHER EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 3 | PROGRAM LICENSES & FEES |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 654 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 1 | 25 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 77 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 1185 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 14014 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 13089 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 4786 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 1480 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 14745 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 13089 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 5996 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 1480 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 17360 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 31708 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 8481 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 14168 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 119561 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 142210 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 40477 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 50068 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 1082 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 1807 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 15253 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 18142 |
| IRS990/PensionPlanContributionsGrp/FundraisingAmt | 0 | 223 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 372 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 3142 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 3737 |
| IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt | 0 | 67013 |
| IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt | 0 | 53924 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 82185 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 8167 |
| IRS990/PrincipalOfficerNm | 0 | NANCY YUILL |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522291 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | IDA PROGRAM FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | TRAINING CONTRACTS |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | LOAN FEES AND INTEREST |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 37850 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 23368 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 13592 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 37850 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 23368 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 13592 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | FINANCIAL EDUCATION - WE PROVIDE PRACTICAL, COMPREHENSIVE FINANCIAL WORKSHOPS AND COACHING THAT HELPS HOUSEHOLDS TAKE CONTROL OF THEIR FINANCES AND DEVELOP POSITIVE SPENDING AND SAVINGS HABITS. IN FISCAL YEAR 2015 WE HELPED OVER 1,000 ADULTS AND 350 YOUTH MAKE REAL BEHAVIOR CHANGE IN THEIR FINANCIAL CAPABILITIES. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 97064 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 23368 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | CREDIT BUILDING - WE HELPED OVER 320 CLIENTS TAKE CONTROL OF THEIR CREDIT AND BUILD STRONG CREDIT SCORES TO INCREASE THEIR ACCESS TO WELL-PRICED ASSET-CREATING 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, AND THEY AVERAGE A SCORE OF 677 AFTER ONE YEAR WITH US. IF A BORROWER HAS A LOW SCORE WHEN THEY START WITH US THEY USUALLY GAIN 42 POINTS AFTER WORKING WITH US FOR ONE YEAR. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 69955 |
| IRS990/ProgSrvcAccomActy3Grp/RevenueAmt | 0 | 37850 |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | ASSET BUILDING-OUR MATCHED SAVINGS PROGRAM MOBILIZES STATE AND FEDERAL FUNDS TO ACCELERATE OUR SAVERS' INVESTMENT IN POST SECONDARY EDUCATION. WE HAVE 105 SAVERS IN THE PROGRAM AND 9 GRADUATES. |
| IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt | 0 | 66674 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 130215 |
| IRS990/PYExcessBenefitTransInd | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 69 |
| IRS990/PYOtherExpensesAmt | 0 | 107257 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 59280 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -134997 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 217304 |
| IRS990/PYTotalExpensesAmt | 0 | 324561 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 189564 |
| IRS990/QuidProQuoContributionsInd | 0 | 1 |
| IRS990/QuidProQuoContriDisclInd | 0 | 1 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 103851 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 13592 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 360211 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 177678 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 394473 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt | 0 | 130215 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 441900 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 165486 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 299925 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 1431999 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt | 0 | 174 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 69 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 387 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 685 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 245 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt | 0 | 1560 |
| IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt | 0 | 230549 |
| IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 492 |
| IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 2019 |
| IRS990ScheduleA/OtherIncome170Grp/TotalAmt | 0 | 2511 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 0.90830 |
| IRS990ScheduleA/PublicSupportPY170Pct | 0 | 0.88980 |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 1304441 |
| IRS990ScheduleA/SubstantialContributorsTotAmt | 0 | 127558 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind | 0 | X |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 394473 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt | 0 | 130215 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 441900 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 165486 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 299925 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 1431999 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 1436070 |
| IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorNum | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt | 0 | RESTRICTED |
| IRS990/ScheduleBRequiredInd | 0 | 1 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 220 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 8191 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 8411 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 5903 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 8547 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 14450 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 31708 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | LOAN SECURITY HOLDBACK |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION FOLLOWS THE PROVISIONS OF FASB ASC TOPIC ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. MANAGEMENT HAS EVALUATED THE ORGANIZATION'S TAX POSITIONS AND CONCLUDED THAT THERE ARE NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT TO THE FINANCIAL STATEMENTS TO COMPLY WITH PROVISIONS OF THIS TOPIC. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 6123 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 31708 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE TREASURER AND THE EXECUTIVE DIRECTOR REVIEW IT BEFORE IT IS FILED WITH THE IRS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE POLICY IS REVIEWED ANNUALLY WITH ALL MEMBERS OF THE BOARD OF DIRECTORS AND THE EXECUTIVE DIRECTOR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE COMPENSATION FOR THE EXECUTIVE DIRECTOR WAS DETERMINED BY THE BOARD OF DIRECTORS AS PART OF HER PERFORMANCE REVIEW ALONG WITH USE OF CAMPARABILITY DATA. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART XII, LINE 2C: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | OR |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt | 0 | 92185 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 404577 |
| IRS990/TotalAssetsEOYAmt | 0 | 403166 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 404577 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 403166 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 394473 |
| IRS990/TotalEmployeeCnt | 0 | 8 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 19189 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 32413 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 314004 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 365606 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 172983 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 67722 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 172983 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 67722 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 231594 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 335444 |
| IRS990/TotalOtherCompensationAmt | 0 | 8508 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 66674 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 314004 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 74810 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 63000 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 174 |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.