Liabilities / Assets
92nd percentile
Higher debt load relative to assets than 92% of similar nonprofits.
990 • Fiscal year 2017 • EIN 80-0516996
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
92nd percentile
Higher debt load relative to assets than 92% of similar nonprofits.
Liabilities / Revenue
96th percentile
Higher debt load relative to revenue than 96% of similar nonprofits.
Net Margin
5th percentile
Higher net margin than 5% of similar nonprofits.
Top Officer Pay
89th percentile
Higher top officer pay than 89% of similar nonprofits.
Top officer pay equals 16.5% of source-year revenue.
Asset Growth
11th percentile
Faster asset growth than 11% of similar nonprofits.
Revenue Growth
10th percentile
Faster revenue growth than 10% of similar nonprofits.
Assets
Down$396,588
Down $6,578 (-1.6%) from 2015
Net Assets
Down$119,423
Down $216,021 (-64%) from 2015
Liabilities
Up$277,165
Up $209,443 (+309%) from 2015
Revenue
Down$230,509
Down $238,948 (-51%) from 2015
Expenses
Up$446,303
Up $80,697 (+22%) from 2015
Net Income
Down-$215,794
Down $319,645 (-308%) from 2015
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 | |||
| Cash and Non-Interest-Bearing Accounts | $85,801 | $200,913 | ▲ $115,112 |
| Savings and Temporary Cash Investments | $427,902 | $110,598 | ▼ $317,304 |
| Pledges and Grants Receivable | $75,000 | - | - |
| Other Notes and Loans Receivable, Net | $50,563 | $65,854 | ▲ $15,291 |
| Accounts Receivable | $9,137 | $10,429 | ▲ $1,292 |
| Prepaid Expenses and Deferred Charges | $8,477 | $6,933 | ▼ $1,544 |
| Land, Buildings, and Equipment, Net | $5,194 | $1,861 | ▼ $3,333 |
| Total Assets | $662,074 | $396,588 | ▼ $265,486 |
| Liabilities | |||
| Deferred Revenue | $258,850 | $250,976 | ▼ $7,874 |
| Mortgage Notes Payable Secured by Investment Property | $25,000 | - | - |
| Other Liabilities | $36,713 | $22,808 | ▼ $13,905 |
| Accounts Payable and Accrued Expenses | $5,934 | $3,381 | ▼ $2,553 |
| Total Liabilities | $326,497 | $277,165 | ▼ $49,332 |
| Net Assets / Fund Balance | |||
| Temporarily Rstr Net Assets | $77,878 | $177,846 | ▲ $99,968 |
| Permanently Rstr Net Assets | $52,750 | $0 | ▼ $52,750 |
| Unrestricted Net Assets | $204,949 | $-58,423 | ▼ $263,372 |
| Total Net Assets Fund Balance | $335,577 | $119,423 | ▼ $216,154 |
| Total Liabilities and Net Assets / Fund Balance | $662,074 | $396,588 | ▼ $265,486 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Other Land Buildings | $236 | $14,214 | $14,450 |
| Equipment | $1,625 | $9,286 | $10,911 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Nancy Yuill | Executive Director | FT | $37,924 | - | $37,924 |
| Traci Rossi | Executive Director | FT | $18,644 | $5,360 | $24,004 |
| Name | Title |
|---|---|
| Rosanne Marmor | President |
| David Foster | Director |
| Felicia Tripp-folsom | Director |
| Kevork Isikbay | DiRECTOR |
| Kim Read | Director |
| SARAH Chenven | Director |
| Cynthia Winter | Interim Director |
| Amy Youngflesh | Secretary/treasurer |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $321,866 |
| Other Expenses | $124,437 |
| Total Fundraising Expense | $22,174 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $159,433 | $16,896 | $9,098 | $185,427 |
| Current Officers, Directors, Trustees, and Key Employees | $75,745 | $8,027 | $4,322 | $88,094 |
| Occupancy | $30,123 | $3,192 | $1,719 | $35,034 |
| Other Employee Benefits | $20,275 | $2,149 | $1,157 | $23,581 |
| Payroll Taxes | $17,604 | $1,866 | $1,005 | $20,475 |
| Office Expenses | $9,188 | $974 | $524 | $10,686 |
| Fees for Services Accounting | $8,654 | $917 | $494 | $10,065 |
| Fees for Services Other | $6,400 | $678 | $365 | $7,443 |
| Travel | $6,103 | $647 | $348 | $7,098 |
| Pension Plan Contributions | $3,688 | $391 | $210 | $4,289 |
| Depreciation Depletion | $2,866 | $304 | $164 | $3,334 |
| Insurance | $2,503 | $265 | $143 | $2,911 |
| Other Expenses | $556 | $59 | $1,410 | $2,025 |
| Fees for Services Legal | $1,720 | $182 | $98 | $2,000 |
| Total Functional Expenses | $385,508 | $38,621 | $22,174 | $446,303 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Loan Security Holdback | $22,808 |
“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.”
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 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 5934 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 3381 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 9137 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 10429 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | INNOVATIVE CHANGES HELPS PEOPLE BUILD THEIR LONG TERM FINANCIAL HEALTH. |
| IRS990/AllOtherContributionsAmt | 0 | 166842 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Cynthia Winter |
| 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 | 85801 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 200913 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 4322 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 8027 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 75745 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 88094 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 166842 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 235 |
| IRS990/CYOtherExpensesAmt | 0 | 124437 |
| IRS990/CYOtherRevenueAmt | 0 | 2212 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 61220 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -215794 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 321866 |
| IRS990/CYTotalExpensesAmt | 0 | 446303 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 22174 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 230509 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 258850 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 250976 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/FundraisingAmt | 0 | 164 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 304 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 2866 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 3334 |
| IRS990/Desc | 0 | Lending - Innovative Changes provides 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 2016 we have originated 1109 small dollar loans, including 489 opportunity loans, 516 credit builder loans, 29 emergency loans, 20 loans for survivors of domestic violence, 7 loans for adaptive technology, and 48 loans for moving costs for section 8 housing choice voucher holders. |
| IRS990/DescribedInSection501c3Ind | 0 | 1 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 0 |
| IRS990/EmployeeCnt | 0 | 10 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990/ExpenseAmt | 0 | 95055 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/FundraisingAmt | 0 | 494 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 917 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 8654 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 10065 |
| IRS990/FeesForServicesLegalGrp/FundraisingAmt | 0 | 98 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 182 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 1720 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 2000 |
| IRS990/FeesForServicesOtherGrp/FundraisingAmt | 0 | 365 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 678 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 6400 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 7443 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| 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 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 25.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 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/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | 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 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 5360 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | ROSANNE MARMOR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | AMY YOUNGFLESH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | KIM READ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | SARAH Chenven |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | FELICIA TRIPP-FOLSOM |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Kevork Isikbay |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | DAVID FOSTER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Traci Rossi |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Cynthia Winter |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | 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 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 18644 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 37924 |
| 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/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 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 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | EXECUTIVE DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Interim Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | 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 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 230509 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 143 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 265 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 2503 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 2911 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 235 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 235 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 1 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 23500 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 5194 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1861 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 25361 |
| 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 | 25000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 335577 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 119423 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 1719 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 3192 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 30123 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 35034 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 524 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 974 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 9188 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 10686 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsSFAS117Ind | 0 | X |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 1157 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 2149 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 20275 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 23581 |
| IRS990/OtherExpensesGrp/Desc | 0 | Training |
| IRS990/OtherExpensesGrp/Desc | 1 | PROGRAM COSTS |
| IRS990/OtherExpensesGrp/Desc | 2 | BAD DEBT |
| IRS990/OtherExpensesGrp/Desc | 3 | OTHER EXPENSES |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 1117 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 1 | 1410 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 2074 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 59 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 19574 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 17285 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 3791 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 556 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 22765 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 17285 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 3791 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 2025 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 36713 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 22808 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Miscellaneous Revenue |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 2212 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 2212 |
| IRS990/OtherRevenueTotalAmt | 0 | 2212 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 9098 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 16896 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 159433 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 185427 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 50563 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 65854 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 1005 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 1866 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 17604 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 20475 |
| IRS990/PensionPlanContributionsGrp/FundraisingAmt | 0 | 210 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 391 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 3688 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 4289 |
| IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt | 0 | 52750 |
| IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 75000 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 8477 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 6933 |
| IRS990/PrincipalOfficerNm | 0 | ROSANNE MARMOR |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | -360 |
| 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 | LOAN FEES AND INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | TRAINING CONTRACTS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 30433 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 28347 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 2440 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 30433 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 28347 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 2440 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Financial 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. our program targets low-income individuals and people of color;75% of participants are women and 57% represent communities of color. In fiscal year 2017 we helped 1313 adults and 108 youth make real behavior change in their financial capabilities. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 126493 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 2440 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Credit building - Innovative Changes helped over 516 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, and they average a score of 666 after one year with us. If a borrower has a low score when they start with us, the average score increase over one year is 28 points. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 82719 |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | Asset Building - The Individual Development Account initiative is a matched savings account that leverages state and federal funds to enable individuals with limited financial resources to save and build assets at an accelerated pace while developing good financial habits. Savings can be used for post-secondary education or job training, employment related training or equipment, retirement savings, starting a small business or buying a home. We have 98 active IDA accounts and 130 total graduates. |
| IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt | 0 | 81241 |
| IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt | 0 | 30433 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 339431 |
| IRS990/PYExcessBenefitTransInd | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 718 |
| IRS990/PYOtherExpensesAmt | 0 | 121197 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 82519 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 133 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 301338 |
| IRS990/PYTotalExpensesAmt | 0 | 422535 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 422668 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -215794 |
| 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 | 28347 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 427902 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 110598 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 166842 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt | 0 | 339431 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 394473 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 130215 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 441900 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 1472861 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt | 0 | 235 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 718 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 174 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 69 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 387 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt | 0 | 1583 |
| IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt | 0 | 313778 |
| IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt | 0 | 2212 |
| IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 492 |
| IRS990ScheduleA/OtherIncome170Grp/TotalAmt | 0 | 2704 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 0.76770 |
| IRS990ScheduleA/PublicSupportPY170Pct | 0 | 0.77580 |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 1133990 |
| IRS990ScheduleA/SubstantialContributorsTotAmt | 0 | 338871 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind | 0 | X |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 166842 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt | 0 | 339431 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 394473 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 130215 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 441900 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 1472861 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 1477148 |
| 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 | 1625 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 9286 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 10911 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 236 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 14214 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 14450 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 22808 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | LOAN SECURITY HOLDBACK |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1861 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 22808 |
| 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/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section B, line 11b |
| 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 |
| 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/BOYAmt | 0 | 77878 |
| IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt | 0 | 177846 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 662074 |
| IRS990/TotalAssetsEOYAmt | 0 | 396588 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 662074 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 396588 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 166842 |
| IRS990/TotalEmployeeCnt | 0 | 10 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 22174 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 38621 |
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Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
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