Civic Intelligence

Betterfi

990 • Fiscal year 2022 • EIN 82-3083483

Jan 01, 2022 to Dec 31, 2022 • Filed on Aug 31, 2023

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

64th percentile

0.01x

Higher debt load relative to assets than 64% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Liabilities / Revenue

68th percentile

0.01x

Higher debt load relative to revenue than 68% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Net Margin

73rd percentile

23%

Higher net margin than 73% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Top Officer Pay

94th percentile

$56,990

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 24.3% of source-year revenue.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Asset Growth

27th percentile

-14%

Faster asset growth than 27% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

15th percentile

-36%

Faster revenue growth than 15% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets64th percentile

Assets

Down

$467,870

Down $78,104 (-14%) from 2021

Net Assets

Up

$464,684

Up $53,323 (+13%) from 2021

Liabilities

Down

$3,186

Down $131,427 (-98%) from 2021

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin73rd percentile

Revenue

Down

$234,469

Down $134,688 (-36%) from 2021

Expenses

Up

$181,146

Up $53,476 (+42%) from 2021

Net Income

Down

$53,323

Down $188,164 (-78%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth27th 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

2022

Assets$467,870
Liabilities$3,186
Net Assets$464,684
Open 2022 Filing

Operations Trend

Revenue Growth15th 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

2022

Revenue$234,469
Expenses$181,146
Net Income$53,323
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Aug 31, 2023
Return Version
2022v5.0
Gross Receipts
$234,469
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$411,361$464,684▲ $53,323
Cash and Non-Interest-Bearing Accounts$354,282$400,095▲ $45,813
Intangible Assets$1,282$613▼ $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$545,974$467,870▼ $78,104
Other Assets Total$190,410$67,162▼ $123,248
Liabilities
Deferred Revenue$124,481--
Other Liabilities$9,217$2,154▼ $7,063
Accounts Payable and Accrued Expenses$915$1,032▲ $117
Total Liabilities$134,613$3,186▼ $131,427
Net Assets / Fund Balance
Total Net Assets Fund Balance$411,361$464,684▲ $53,323
Total Liabilities and Net Assets / Fund Balance$545,974$467,870▼ $78,104

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$64,473--
Compensation and Service Providers
Top Officer Pay94th percentile

Board Members and Trustees

NameTitle
William TitusPresident
Jeannine ClementsVice-chair
Barry RollinsDirector
Jay FisherDirector
Jerry AdamsDirector
Nicholas BabsonDirector
Nicolette HamiltonDirector
Augustine HoschExecutive Director
John SolomonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$221,786
Program Service Revenue
$12,683
Investment Income
$0
Other Revenue
$0
All Other Contributions
$98,286
Change in Net Assets
$53,323
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$101,128
Other Expenses$80,018
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$28,495$28,495-$56,990
Other Salaries and Wages$17,784$17,784-$35,568
All Other Expenses$10,548$4,643-$15,191
Fees for Services Legal$4,787$4,787-$9,574
Insurance$4,097$4,097-$8,194
Other Expenses$2,250$2,250-$4,500
Payroll Taxes$2,249$2,249-$4,498
Other Employee Benefits$2,036$2,036-$4,072
Travel$1,954$1,954-$3,908
Advertising$1,951$1,951-$3,902
Depreciation Depletion-$669-$669
Total Functional Expenses$106,538$74,608$0$181,146
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
Payroll Protection Program Loan$1,850
Serviced Loans Liability$304
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
2023-08-31
Discuss with paid preparer
Yes

Organization Details

Formed
2017
Legal Domicile
Tn
Voting Board Members
8
Independent Board Members
8
Employees
2

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/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012683
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012683
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IRS990/PYContributionsGrantsAmt0363737
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt065543
IRS990/PYProgramServiceRevenueAmt05420
IRS990/PYRevenuesLessExpensesAmt0241487
IRS990/PYSalariesCompEmpBnftPaidAmt062127
IRS990/PYTotalExpensesAmt0127670
IRS990/PYTotalRevenueAmt0369157
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt053323
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0411361
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0464684
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearAmt079000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus1YearAmt0114765
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus2YearsAmt0130500
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus3YearsAmt050000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus4YearsAmt0155275
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt0529540
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0221786
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0363737
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0151154
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt063358
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0183663
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0983698
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IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt012683
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt05420
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt05110
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt04982
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0745
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt028940
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.46380
IRS990ScheduleA/PublicSupportTotal509Amt0469697
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt079000
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt0115746
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt0130500
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt052488
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt0165207
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt0542941
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus1YearAmt0981
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus3YearsAmt02488
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus4YearsAmt09932
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt013401
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IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0369157
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IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0184408
IRS990ScheduleA/Total509Grp/TotalAmt01012638
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0234469
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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0184408
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt01012638
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
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IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02689
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt164473
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ERC CREDITS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2LOANS RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3PLEDGES RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4SERVICED LOANS RECEIVABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01850
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1304
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0PAYROLL PROTECTION PROGRAM LOAN
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SERVICED LOANS LIABILITY
IRS990ScheduleD/TotalBookValueOtherAssetsAmt067162
IRS990ScheduleD/TotalLiabilityAmt02154
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
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IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
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IRS990/TotalAssetsBOYAmt0545974

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$467,870
Liabilities
$3,186
Net assets
$464,684
Revenue
$234,469
Expenses
$181,146
Net income
$53,323
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