Civic Intelligence

Betterfi

990 • Fiscal year 2021 • EIN 82-3083483

Jan 01, 2021 to Dec 31, 2021 • Filed on Oct 07, 2022

Organization ProfileBETTERFI.COM
PO Box 27Coalmont, TN 37313

(931) 313-9942

Siviq Scores

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

Liabilities / Assets

76th percentile

0.25x

Higher debt load relative to assets than 76% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Liabilities / Revenue

81st percentile

0.36x

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

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Net Margin

92nd percentile

65%

Higher net margin than 92% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Top Officer Pay

64th percentile

$42,045

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 11.4% of source-year revenue.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Asset Growth

96th percentile

199%

Faster asset growth than 96% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2020 to 2021

Revenue Growth

89th percentile

132%

Faster revenue growth than 89% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$545,974

Up $363,104 (+199%) from 2020

Net Assets

Up

$411,361

Up $241,487 (+142%) from 2020

Liabilities

Up

$134,613

Up $121,617 (+936%) from 2020

Revenue And Expenses
Liabilities / Revenue81st percentileNet Margin92nd percentile

Revenue

Up

$369,157

Up $210,155 (+132%) from 2020

Expenses

Up

$127,670

Up $19,883 (+18%) from 2020

Net Income

Up

$241,487

Up $190,272 (+372%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth96th percentile

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

$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

2021

Assets$545,974
Liabilities$134,613
Net Assets$411,361
Open 2021 Filing

Operations Trend

Revenue Growth89th percentile

Revenue, expenses, and net income across loaded years, with this 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

2021

Revenue$369,157
Expenses$127,670
Net Income$241,487
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Oct 7, 2022
Return Version
2021v4.0
Gross Receipts
$369,157
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$169,874$411,361▲ $241,487
Cash and Non-Interest-Bearing Accounts$108,362$354,282▲ $245,920
Intangible Assets$1,951$1,282▼ $669
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$182,870$545,974▲ $363,104
Other Assets Total$72,557$190,410▲ $117,853
Liabilities
Deferred Revenue-$124,481-
Other Liabilities$12,017$9,217▼ $2,800
Accounts Payable and Accrued Expenses$979$915▼ $64
Total Liabilities$12,996$134,613▲ $121,617
Net Assets / Fund Balance
Total Net Assets Fund Balance$169,874$411,361▲ $241,487
Total Liabilities and Net Assets / Fund Balance$182,870$545,974▲ $363,104

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$760--
Compensation and Service Providers
Top Officer Pay64th percentile

Board Members and Trustees

NameTitle
Jeannine ClementsChairman
John GoodsonVice Chair
Charline ButnerDirector
Jay FisherDirector
Jerry AdamsDirector
John SolomonDirector
Nicholas BabsonDirector
Nicolette HamiltonDirector
Sarah LodgeDirector
William TitusDirector
Augustine HoschExecutive Director
Barry RollinsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$363,737
Program Service Revenue
$5,420
Investment Income
$0
Other Revenue
$0
All Other Contributions
$144,788
Change in Net Assets
$241,487
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$65,543
Salaries, Compensation, and Employee Benefits$62,127
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$21,022$21,023-$42,045
Other Salaries and Wages$6,521$6,521-$13,042
Insurance$4,894$4,893-$9,787
Fees for Services Legal$4,500$4,500-$9,000
Payroll Taxes$2,370$2,370-$4,740
All Other Expenses$2,315$1,320-$3,635
Other Expenses$1,216$1,216-$2,432
Other Employee Benefits$1,150$1,150-$2,300
Office Expenses$888$892-$1,780
Advertising$857$856-$1,713
Travel$604$603-$1,207
Depreciation Depletion-$669-$669
Total Functional Expenses$79,228$48,442$0$127,670
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
Serviced Loans Liability$5,517
Payroll Protection Program Loan$3,700
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, Line 11B: Form 990 Review Process

“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, Line 19: Other Organization Documents Publicly Available

“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
2022-10-07
Discuss with paid preparer
Yes

Organization Details

Formed
2017
Legal Domicile
Tn
Voting Board Members
12
Independent Board Members
12
Employees
2

Preparer

Firm
Bean Rhoton & Kelley PLLC
Address
300 South Jefferson Street, Winchester, TN 37398
Preparer
Delanna M Rhoton CPA
Phone
9319670611
Raw XML AppendixShowing 400 of 501 raw XML fields

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

Path#Value
IRS990/AccountantCompileOrReviewInd0true
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0979
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0915
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO 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.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt0856
IRS990/AdvertisingGrp/ProgramServicesAmt0857
IRS990/AdvertisingGrp/TotalAmt01713
IRS990/AllOtherContributionsAmt0144788
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt01320
IRS990/AllOtherExpensesGrp/ProgramServicesAmt02315
IRS990/AllOtherExpensesGrp/TotalAmt03635
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0false
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0AUGUSTINE HOSCH
IRS990/BooksInCareOfDetail/PhoneNum09313139942
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt09933 TN-56
IRS990/BooksInCareOfDetail/USAddress/CityNm0COALMONT
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd037313
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0108362
IRS990/CashNonInterestBearingGrp/EOYAmt0354282
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt021023
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt021022
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt042045
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0363737
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt065543
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt05420
IRS990/CYRevenuesLessExpensesAmt0241487
IRS990/CYSalariesCompEmpBnftPaidAmt062127
IRS990/CYTotalExpensesAmt0127670
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0369157
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/EOYAmt0124481
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt0669
IRS990/DepreciationDepletionGrp/TotalAmt0669
IRS990/Desc0PROVIDED FINANCIAL ASSISTANCE TO LOW-INCOME INDIVIDUALS THROUGH NEW & REFINANCED CONSUMER LOANS OFFERING LOWER INTEREST RATES AND LONGER PAYOFF. WE OFFER FREE INCOME TAX FILING AS WELL AS COACHING FOR BETTER BUDGETING OF PERSONAL FINANCES.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt079228
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt04500
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt04500
IRS990/FeesForServicesLegalGrp/TotalAmt09000
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282FiledCnt00
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt92.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/PersonNm0AUGUSTINE HOSCH
IRS990/Form990PartVIISectionAGrp/PersonNm1JEANNINE CLEMENTS
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN GOODSON
IRS990/Form990PartVIISectionAGrp/PersonNm3BARRY ROLLINS
IRS990/Form990PartVIISectionAGrp/PersonNm4NICOLETTE HAMILTON
IRS990/Form990PartVIISectionAGrp/PersonNm5CHARLINE BUTNER
IRS990/Form990PartVIISectionAGrp/PersonNm6SARAH LODGE
IRS990/Form990PartVIISectionAGrp/PersonNm7AUGUSTINE HOSCH
IRS990/Form990PartVIISectionAGrp/PersonNm8JOHN SOLOMON
IRS990/Form990PartVIISectionAGrp/PersonNm9WILLIAM TITUS
IRS990/Form990PartVIISectionAGrp/PersonNm10JERRY ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm11NICHOLAS BABSON
IRS990/Form990PartVIISectionAGrp/PersonNm12JAY FISHER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt042045
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0EXECUTIVE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Executive Dir.
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr02017
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GovernmentGrantsAmt0218949
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0369157
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt04893
IRS990/InsuranceGrp/ProgramServicesAmt04894
IRS990/InsuranceGrp/TotalAmt09787
IRS990/IntangibleAssetsGrp/BOYAmt01951
IRS990/IntangibleAssetsGrp/EOYAmt01282
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0false
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO 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.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0169874
IRS990/NetAssetsOrFundBalancesEOYAmt0411361
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0892
IRS990/OfficeExpensesGrp/ProgramServicesAmt0888
IRS990/OfficeExpensesGrp/TotalAmt01780
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt072557
IRS990/OtherAssetsTotalGrp/EOYAmt0190410
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt01150
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt01150
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02300
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1SYSTEM DEVELOPMENT EXPENSE
IRS990/OtherExpensesGrp/Desc2DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3TAXES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0356
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt12073
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt21216
IRS990/OtherExpensesGrp/ProgramServicesAmt024044
IRS990/OtherExpensesGrp/ProgramServicesAmt16773
IRS990/OtherExpensesGrp/ProgramServicesAmt22074
IRS990/OtherExpensesGrp/ProgramServicesAmt31216
IRS990/OtherExpensesGrp/TotalAmt024044
IRS990/OtherExpensesGrp/TotalAmt17129
IRS990/OtherExpensesGrp/TotalAmt24147
IRS990/OtherExpensesGrp/TotalAmt32432
IRS990/OtherLiabilitiesGrp/BOYAmt012017
IRS990/OtherLiabilitiesGrp/EOYAmt09217
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt06521
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt06521
IRS990/OtherSalariesAndWagesGrp/TotalAmt013042
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt02370
IRS990/PayrollTaxesGrp/ProgramServicesAmt02370
IRS990/PayrollTaxesGrp/TotalAmt04740
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05420
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05420
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0153154
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt067219
IRS990/PYOtherRevenueAmt0738
IRS990/PYProgramServiceRevenueAmt05110
IRS990/PYRevenuesLessExpensesAmt051215
IRS990/PYSalariesCompEmpBnftPaidAmt040568
IRS990/PYTotalExpensesAmt0107787
IRS990/PYTotalRevenueAmt0159002
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0241487
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0169874
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0411361
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearAmt010000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus1YearAmt010000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus2YearsAmt010000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus3YearsAmt016000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt046000
IRS990ScheduleA/First5Years509Ind0X
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0363737
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0151154
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt063358
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0183663
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0850
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0762762
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt05420
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt05110
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt04982
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0745
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt016257
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.00000
IRS990ScheduleA/PublicSupportTotal509Amt0733019
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt010000
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt010000
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt010000
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt016000
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt046000
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0369157
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0156264
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt068340
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0184408
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0850
IRS990ScheduleA/Total509Grp/TotalAmt0779019
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0369157
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0156264
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt068340
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0184408
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0850
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0779019
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/BookValueAmt0911
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt112449
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt221808
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3154481
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt41
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt5760
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ERC CREDITS

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$545,974
Liabilities
$134,613
Net assets
$411,361
Revenue
$369,157
Expenses
$127,670
Net income
$241,487
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