Civic Intelligence

Mpowered

990 • Fiscal year 2019 • EIN 84-1610093

Jan 01, 2019 to Dec 31, 2019 • Filed on Sep 16, 2020

Organization Profilempoweredcolorado.org

View Organization Page

345 S Grove StreetDenver, CO 80219

(303) 233-2773

Siviq Scores

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

Liabilities / Assets

85th percentile

0.62x

Higher debt load relative to assets than 85% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

69th percentile

0.25x

Higher debt load relative to revenue than 69% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Net Margin

65th percentile

10%

Higher net margin than 65% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2019

Asset Growth

98th percentile

200%

Faster asset growth than 98% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

75th percentile

21%

Faster revenue growth than 75% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$506,295

Up $337,503 (+200%) from 2018

Net Assets

Up

$192,059

Up $128,663 (+203%) from 2018

Liabilities

Up

$314,236

Up $208,840 (+198%) from 2018

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin65th percentile

Revenue

Up

$1,269,505

Up $216,962 (+21%) from 2018

Expenses

Up

$1,140,842

Up $22,253 (+2.0%) from 2018

Net Income

Up

$128,663

Up $194,709 (+295%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth98th percentile

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

$800K$600K$400K$200K$0Assets 2010: $122,678Liabilities 2010: $16,249Net Assets 2010: $106,4292010Assets 2011: $132,499Liabilities 2011: $24,337Net Assets 2011: $108,1622011Assets 2012: $586,070Liabilities 2012: $56,251Net Assets 2012: $529,8192012Assets 2013: $381,099Liabilities 2013: $63,278Net Assets 2013: $317,8212013Assets 2014: $612,626Liabilities 2014: $76,712Net Assets 2014: $535,9142014Assets 2015: $107,598Liabilities 2015: $38,650Net Assets 2015: $68,9482015Assets 2016: $144,203Liabilities 2016: $113,855Net Assets 2016: $30,3482016Assets 2017: $264,466Liabilities 2017: $135,022Net Assets 2017: $129,4442017Assets 2018: $168,792Liabilities 2018: $105,396Net Assets 2018: $63,3962018Assets 2019: $506,295Liabilities 2019: $314,236Net Assets 2019: $192,0592019Assets 2020: $94,883Liabilities 2020: $17Net Assets 2020: $94,8662020

Highlighted filing

2019

Assets$506,295
Liabilities$314,236
Net Assets$192,059
Open 2019 Filing

Operations Trend

Revenue Growth75th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $547,2542010Expenses 2011: $528,8012011Revenue 2012: $1,063,922Expenses 2012: $642,265Net Income 2012: $421,6572012Revenue 2013: $778,591Expenses 2013: $990,589Net Income 2013: -$211,9982013Revenue 2014: $1,235,486Expenses 2014: $1,017,393Net Income 2014: $218,0932014Revenue 2015: $625,644Expenses 2015: $1,092,610Net Income 2015: -$466,9662015Revenue 2016: $944,108Expenses 2016: $982,708Net Income 2016: -$38,6002016Revenue 2017: $1,177,401Expenses 2017: $974,327Net Income 2017: $203,0742017Revenue 2018: $1,052,543Expenses 2018: $1,118,589Net Income 2018: -$66,0462018Revenue 2019: $1,269,505Expenses 2019: $1,140,842Net Income 2019: $128,6632019Revenue 2020: $437,117Expenses 2020: $530,241Net Income 2020: -$93,1242020

Highlighted filing

2019

Revenue$1,269,505
Expenses$1,140,842
Net Income$128,663
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Sep 16, 2020
Return Version
2019v5.1
Gross Receipts
$1,277,032
Mission and Program Overview

Mission

Our mission is to empower people to transform their financial futures. We do this through our three primary program areas of financial coaching, financial education, and debt management.

To empower people to transform their financial futures.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$143,552$288,714▲ $145,162
Savings and Temporary Cash Investments-$175,311-
Cash and Non-Interest-Bearing Accounts$6,458$29,813▲ $23,355
Prepaid Expenses and Deferred Charges$10,560$8,432▼ $2,128
Land, Buildings, and Equipment, Net$8,222$4,025▼ $4,197
Total Assets$168,792$506,295▲ $337,503
Liabilities
Other Liabilities$0$175,000▲ $175,000
Unsecured Notes Loans Payable$50,000$87,968▲ $37,968
Accounts Payable and Accrued Expenses$33,596$29,568▼ $4,028
Deferred Revenue$21,800$21,700▼ $100
Total Liabilities$105,396$314,236▲ $208,840
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$13,396$127,162▲ $113,766
Net Assets With Donor Restrictions$50,000$64,897▲ $14,897
Total Net Assets Fund Balance$63,396$192,059▲ $128,663
Total Liabilities and Net Assets / Fund Balance$168,792$506,295▲ $337,503

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$0$35,021$35,021
Equipment$4,025$18,346$22,371
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Linda MitchellExecutive Director thru 8/2019FT$66,166$7,905$74,071
Lydia RuterInterim Executive Director from 8/19FT$31,213$1,909$33,122

Board Members and Trustees

NameTitle
Sean KoutsaskisBoard Chair
Christine ComerMember
Claudia MuroMember
Danni WestbladeMember
James Perez FosterMember
Joshua PetersonMember
Jordan YarmonSecretary
Sarah FlischelTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,055,179
Program Service Revenue
$211,706
Investment Income
$2,563
Other Revenue
$57
All Other Contributions
$326,321
Change in Net Assets
$128,663
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$918,867
Other Expenses$221,975
Total Fundraising Expense$96,750
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$604,359$39,195$41,516$685,070
Current Officers, Directors, Trustees, and Key Employees$72,052$20,586$10,293$102,931
Fees for Services Other$38,119$13,779$29,777$81,675
Payroll Taxes$56,428$8,841$4,625$69,894
Other Employee Benefits$46,366$1,828$2,141$50,335
Occupancy$34,817$4,750$2,097$41,664
Office Expenses$23,285$8,466$1,509$33,260
Travel$29,935$1,718$148$31,801
Pension Plan Contributions$7,381$2,906$350$10,637
Interest$4,726$1,004$315$6,045
Depreciation Depletion$1,535$926$1,125$3,586
Advertising$395-$2,067$2,462
Insurance$452$590$27$1,069
Other Expenses$18,790$863$465$465
Total Functional Expenses$938,640$105,452$96,750$1,140,842
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$7,527
Fundraising Gross Income$7,527
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Collective Impact Breakfast$37,392$7,527$1,745$5,782
Total Events$37,392$7,527$7,527$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Program related investment$175,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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

“The Form 990 was made available to board members for review before filing with the IRS.”

Form 990, Part VI, Section B, line 12C

“Board members sign conflict of interest forms annually, and if any conflicts arise during the year, they are reviewed by the Board Chair and approved by non-conflicted board members.”

Form 990, Part VI, Section B, line 15A

“The board performs an annual review of the Executive Director and determines appropriate compensation by utilizing the Colorado Nonprofit Association salary survey.”

Form 990, Part VI, Section C, line 19

“These documents are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Mpowered
EIN
84-1610093
Phone
3032332773
Address
345 S Grove Street, Denver, CO 80219

Signing Officer

Name
Sean Koutsakis
Title
Board Chair
Phone
3032332773
Signed
2020-09-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sean Koutsakis
Formed
2001
Legal Domicile
Co
Voting Board Members
8
Independent Board Members
8
Employees
22
Volunteers
14

Preparer

Firm
Kundinger Corder & Engle PC
Address
475 Lincoln Street Suite 200, Denver, CO 80203
Preparer
Sarah Flischel
Phone
3035345953
Raw XML AppendixShowing 400 of 479 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.

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IRS990/Desc0Mpowered's financial coaching program is a relational process for working towards financial goals. Through coaching, individuals become empowered to make choices and take actions that align with their values. Our financial coaching programs annually serve more than 1,300 clients helping these individuals achieve important personal finance milestones including safe banking, improved credit, debt reduction, savings plans, and budgeting. These areas help clients reach financial security and stability.
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IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt010560
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt08432
IRS990/PrincipalOfficerNm0Sean Koutsakis
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0812900
IRS990/ProgramServiceRevenueGrp/BusinessCd1812900
IRS990/ProgramServiceRevenueGrp/BusinessCd2812900
IRS990/ProgramServiceRevenueGrp/Desc0Financial Coaching
IRS990/ProgramServiceRevenueGrp/Desc1Debt Management
IRS990/ProgramServiceRevenueGrp/Desc2Financial Education
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt094670
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt193633
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt223403
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt094670
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt193633
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt223403
IRS990/ProgSrvcAccomActy2Grp/Desc0Our financial education programs provide over 125 classes on relevant financial topics including five financial foundations, budgeting and money management, credit, debt, and talking to kids about money. These classes encourage participant behavior change by supporting action-oriented, real life application, and draws on each participant's personal experience.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt078960
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt023403
IRS990/ProgSrvcAccomActy3Grp/Desc0The debt management program assists indivduals by establishing a repayment plan to pay down unsecured debts through an efficient and affordable structured plan. The program can lower interest rates and help people pay off debt quicker than if they handled a payment plan on their own.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt096485
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt093633
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0864747
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0211
IRS990/PYOtherExpensesAmt0210505
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0187585
IRS990/PYRevenuesLessExpensesAmt0-66046
IRS990/PYSalariesCompEmpBnftPaidAmt0908084
IRS990/PYTotalExpensesAmt01118589
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01052543
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0128663
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt097158
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0175311
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt01055179
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0864746
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01039008
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0734599
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0391365
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt04084897
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0132
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0212
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0497
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt057
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0310
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt01208
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt03970934
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.97730
IRS990ScheduleA/PublicSupportPY170Pct00.99230
IRS990ScheduleA/PublicSupportTotal170Amt03993444
IRS990ScheduleA/SubstantialContributorsTotAmt091453
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt01055179
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0864746
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01039008
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0734599
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0391365
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt04084897
IRS990ScheduleA/TotalSupportAmt04086105
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/ScheduleBRequiredInd01
IRS990ScheduleD/EquipmentGrp/BookValueAmt04025
IRS990ScheduleD/EquipmentGrp/DepreciationAmt018346
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt022371
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt035021
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt035021
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0175000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Program related investment
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04025
IRS990ScheduleD/TotalLiabilityAmt0175000
IRS990ScheduleG/FundraisingEventInformationGrp/CharitableContributionsTotAmt029865
IRS990ScheduleG/FundraisingEventInformationGrp/CharitableContriEvent1Amt029865
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt07527
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0Collective Impact Breakfast
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent1Amt04132
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt04132
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt037392
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt037392
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt07527
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt07527
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt00
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt01745
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt01745
IRS990ScheduleG/FundraisingEventInformationGrp/RentFacilityCostsEvent1Amt01650
IRS990ScheduleG/FundraisingEventInformationGrp/RentFcltyCostsTotalEventsAmt01650
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Form 990 was made available to board members for review before filing with the IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board members sign conflict of interest forms annually, and if any conflicts arise during the year, they are reviewed by the Board Chair and approved by non-conflicted board members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The board performs an annual review of the Executive Director and determines appropriate compensation by utilizing the Colorado Nonprofit Association salary survey.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3These documents are made available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0168792
IRS990/TotalAssetsEOYAmt0506295
IRS990/TotalAssetsGrp/BOYAmt0168792
IRS990/TotalAssetsGrp/EOYAmt0506295

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$506,295
Liabilities
$314,236
Net assets
$192,059
Revenue
$1,269,505
Expenses
$1,140,842
Net income
$128,663
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Summary only. Only limited summary data is available for this year.$0.09$0.00$0.09$0.44$0.53$0.09
2019Detailed filing. Detailed filing data is available for this year.$0.51$0.31$0.19$1.27$1.14$0.13
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.17$0.11$0.06$1.05$1.12$0.07
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.26$0.14$0.13$1.18$0.97$0.20
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.14$0.11$0.03$0.94$0.98$0.04
2015Detailed filing. Detailed filing data is available for this year.$0.11$0.04$0.07$0.63$1.09$0.47
2014Detailed filing. Detailed filing data is available for this year.$0.61$0.08$0.54$1.24$1.02$0.22
2013Detailed filing. Detailed filing data is available for this year.$0.38$0.06$0.32$0.78$0.99$0.21
2012Summary only. Only limited summary data is available for this year.$0.59$0.06$0.53$1.06$0.64$0.42
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.13$0.02$0.11$0.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.12$0.02$0.11$0.55
Peer Organizations

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