Civic Intelligence

Betterfi

EIN 82-3083483 • 501(c)3 • Coalmont, TN

Profile

To provide relief to the poor, distressed and underprivileged, specifically through programs of financial assistance in the form of affordable financial products and services as well as financial education and coaching services for low income individuals and families.

PO Box 27Coalmont, TN 37313

betterfi.com

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.15x

Higher debt load relative to assets than 72% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

79th percentile

0.22x

Higher debt load relative to revenue than 79% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Net Margin

79th percentile

27%

Higher net margin than 79% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

93rd percentile

$40,568

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 25.5% of source-year revenue.

501(c)3 • $500k-$1M nonprofits • Source year 2020

Asset Growth

88th percentile

47%

Faster asset growth than 88% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

95th percentile

169%

Faster revenue growth than 95% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$544,564

Up $175,187 (+47%) from 2023

Liabilities

Up

$82,210

Up $76,958 (+1465%) from 2023

Net Assets

Up

$462,354

Up $98,229 (+27%) from 2023

Operations
Liabilities / Revenue79th percentileNet Margin79th percentile

Revenue

Up

$368,454

Up $231,709 (+169%) from 2023

Expenses

Up

$270,225

Up $32,921 (+14%) from 2023

Net Income

Up

$98,229

Up $198,788 (+198%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth88th percentile

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

$600K$400K$200K$0Assets 2017: $1Liabilities 2017: $02017Assets 2018: $135,983Liabilities 2018: $427Net Assets 2018: $135,5562018Assets 2019: $125,109Liabilities 2019: $6,450Net Assets 2019: $118,6592019Assets 2020: $182,870Liabilities 2020: $12,996Net Assets 2020: $169,8742020Assets 2021: $545,974Liabilities 2021: $134,613Net Assets 2021: $411,3612021Assets 2022: $467,870Liabilities 2022: $3,186Net Assets 2022: $464,6842022Assets 2023: $369,377Liabilities 2023: $5,252Net Assets 2023: $364,1252023Assets 2024: $544,564Liabilities 2024: $82,210Net Assets 2024: $462,3542024

Highlighted filing

2024

Assets$544,564
Liabilities$82,210
Net Assets$462,354
Open 2024 Filing

Operations Trend

Revenue Growth95th percentile

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

$400K$200K$0-$200KRevenue 2017: $850Expenses 2017: $850Net Income 2017: $02017Revenue 2018: $184,408Expenses 2018: $48,977Net Income 2018: $135,4312018Revenue 2019: $68,340Expenses 2019: $85,237Net Income 2019: -$16,8972019Revenue 2020: $159,002Expenses 2020: $107,787Net Income 2020: $51,2152020Revenue 2021: $369,157Expenses 2021: $127,670Net Income 2021: $241,4872021Revenue 2022: $234,469Expenses 2022: $181,146Net Income 2022: $53,3232022Revenue 2023: $136,745Expenses 2023: $237,304Net Income 2023: -$100,5592023Revenue 2024: $368,454Expenses 2024: $270,225Net Income 2024: $98,2292024

Highlighted filing

2024

Revenue$368,454
Expenses$270,225
Net Income$98,229
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$544,564
Liabilities
$82,210
Net assets
$462,354
Revenue
$368,454
Expenses
$270,225
Net income
$98,229
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.45$0.82$4.62$3.68$2.70$0.98
2023Detailed filing. Detailed filing data is available for this year.$3.69$0.05$3.64$1.37$2.37$1.01
2022Detailed filing. Detailed filing data is available for this year.$4.68$0.03$4.65$2.34$1.81$0.53
2021Detailed filing. Detailed filing data is available for this year.$5.46$1.35$4.11$3.69$1.28$2.41
2020Detailed filing. Detailed filing data is available for this year.$1.83$0.13$1.70$1.59$1.08$0.51
2019Detailed filing. Detailed filing data is available for this year.$1.25$0.06$1.19$0.68$0.85$0.17
2018Detailed filing. Detailed filing data is available for this year.$1.36$0.00$1.36$1.84$0.49$1.35
2017Summary only. Only limited summary data is available for this year.$0.00$0.00$0.01$0.01$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 4, 2025
Return Version
2024v5.2
Gross Receipts
$368,454
Mission and Program Overview

Mission

To provide relief to the poor, distressed and underprivileged, specifically through programs of financial assistance in the form of affordable financial products and services as well as financial education and coaching services for low income individuals and families.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$364,125$462,354▲ $98,229
Cash and Non-Interest-Bearing Accounts$272,417$432,441▲ $160,024
Intangible Assets$279$0▼ $279
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$369,377$544,564▲ $175,187
Other Assets Total$96,681$112,123▲ $15,442
Liabilities
Other Liabilities$3,252$78,601▲ $75,349
Accounts Payable and Accrued Expenses$2,000$3,609▲ $1,609
Total Liabilities$5,252$82,210▲ $76,958
Net Assets / Fund Balance
Total Net Assets Fund Balance$364,125$462,354▲ $98,229
Total Liabilities and Net Assets / Fund Balance$369,377$544,564▲ $175,187

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$108,121--
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Augustine HoschExecutive DirectorFT$55,000$55,000

Board Members and Trustees

NameTitle
William TitusPresident
Jay FisherVice Chair
Barry RollinsDirector
Jayna JohnsonDirector
Jeannine ClementsDirector
John GoodsonDirector
Nicolette CampbellDirector
Tina WilliamsDirector
Andy AndersonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$342,122
Program Service Revenue
$26,332
Investment Income
$0
Other Revenue
$0
All Other Contributions
$342,122
Change in Net Assets
$98,229
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$146,993
Salaries, Compensation, and Employee Benefits$123,232
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$27,583$27,583-$55,166
Current Officers, Directors, Trustees, and Key Employees$27,500$27,500-$55,000
Fees for Services Legal$14,282$14,282-$28,564
All Other Expenses$16,437$9,405-$25,842
Other Expenses$5,075$5,075-$10,150
Insurance$4,383$4,383-$8,766
Payroll Taxes$4,232$4,232-$8,464
Advertising$3,173$3,173-$6,346
Other Employee Benefits$2,301$2,301-$4,602
Travel$2,218$2,218-$4,436
Depreciation Depletion$140$139-$279
Total Functional Expenses$150,893$119,332$0$270,225
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Line of Credit$70,000
Serviced Loans Liability$8,601
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
Yes
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 B, Line 11B

“A copy of the form 990 was sent via e-mail to our executive committee for review prior to the submission of the form 990.”

Form 990, Part VI, Section C, Line 19

“Documents are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Betterfi
EIN
82-3083483
Phone
9313139942
Address
PO BOX 27, COALMONT, TN 37313

Signing Officer

Name
Augustine Hosch
Title
Executive Director
Signed
2025-08-04
Discuss with paid preparer
Yes

Organization Details

Formed
2017
Legal Domicile
Tn
Voting Board Members
9
Independent Board Members
9
Employees
3

Preparer

Firm
Bean Rhoton & Kelley PLLC
Address
300 South Jefferson Street, Winchester, TN 37398
Preparer
Delanna M Rhoton CPA
Phone
9319670611
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IRS990/OtherExpensesGrp/Desc1BAD DEBTS/PROVISION FOR LOAN L
IRS990/OtherExpensesGrp/Desc2DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3SYSTEM DEVELOPMENT EXPENSE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt013003
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt16038
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt25075
IRS990/OtherExpensesGrp/ProgramServicesAmt013003
IRS990/OtherExpensesGrp/ProgramServicesAmt124528
IRS990/OtherExpensesGrp/ProgramServicesAmt26038
IRS990/OtherExpensesGrp/ProgramServicesAmt35075
IRS990/OtherExpensesGrp/TotalAmt026006
IRS990/OtherExpensesGrp/TotalAmt124528
IRS990/OtherExpensesGrp/TotalAmt212076
IRS990/OtherExpensesGrp/TotalAmt310150
IRS990/OtherLiabilitiesGrp/BOYAmt03252
IRS990/OtherLiabilitiesGrp/EOYAmt078601
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt027583
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt027583
IRS990/OtherSalariesAndWagesGrp/TotalAmt055166
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04232
IRS990/PayrollTaxesGrp/ProgramServicesAmt04232
IRS990/PayrollTaxesGrp/TotalAmt08464
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt026332
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt026332
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt098229
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0364125
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0462354
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearAmt0225000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus1YearAmt060764
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus2YearsAmt054000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus3YearsAmt0114765
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus4YearsAmt0130500
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt0585029
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0342122
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0112566
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0221786
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0363737
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0151154
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01191365
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt026332
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt024179
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt012683
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt05420
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt05110
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt073724
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.48320
IRS990ScheduleA/PublicSupportPY509Pct00.54560
IRS990ScheduleA/PublicSupportTotal509Amt0611339
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt0272740
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt060764
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt074000
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt0115746
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt0130500
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt0653750
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearAmt047740
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus2YearsAmt020000
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus3YearsAmt0981
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt068721
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0368454
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0136745
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0234469
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0369157
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0156264
IRS990ScheduleA/Total509Grp/TotalAmt01265089
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0368454
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0136745
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0234469
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0369157
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0156264
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt01265089
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/ScheduleBRequiredInd0true
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt04002
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1108121
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1LOANS RECEIVABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt070000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt18601
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0LINE OF CREDIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SERVICED LOANS LIABILITY
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0112123
IRS990ScheduleD/TotalLiabilityAmt078601
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A COPY OF THE FORM 990 WAS SENT VIA E-MAIL TO OUR EXECUTIVE COMMITTEE FOR REVIEW PRIOR TO THE SUBMISSION OF THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0369377
IRS990/TotalAssetsEOYAmt0544564
IRS990/TotalAssetsGrp/BOYAmt0369377
IRS990/TotalAssetsGrp/EOYAmt0544564
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0342122
IRS990/TotalEmployeeCnt03

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