Civic Intelligence

Lets Talk Money

EIN 88-3174707 • 501(c)3 • Monroe, LA

990-N CoverageNTEE S99

Profile

Our efforts are centered on the development of affordable housing and providing residents with the tools and information they need to break cycles of poverty and financial instability.

108 McElroy StMonroe, LA 71203
Siviq Scores

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

Liabilities / Assets

68th percentile

0.11x

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

501(c)3 • $500k-$1M nonprofits • Source year 2025

Liabilities / Revenue

68th percentile

0.09x

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

501(c)3 • $500k-$1M nonprofits • Source year 2025

Net Margin

95th percentile

72%

Higher net margin than 95% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2025

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2025

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2025

Assets

Up

$731,246

Up $685,428 (+1496%) from 2024

Liabilities

Down

$77,508

Down $556,714 (-88%) from 2024

Net Assets

Up

$653,738

Up $1,242,142 (+211%) from 2024

Revenue

Up

$845,918

Up $677,612 (+403%) from 2024

Expenses

Down

$237,776

Down $475,170 (-67%) from 2024

Net Income

Up

$608,142

Up $1,152,782 (+212%) from 2024

Trend Graphs

Balance Sheet Trend

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

$1.0M$500K$0-$500K-$1.0MAssets 2024: $45,818Liabilities 2024: $634,222Net Assets 2024: -$588,4042024Assets 2025: $731,246Liabilities 2025: $77,508Net Assets 2025: $653,7382025

Highlighted filing

2025

Assets$731,246
Liabilities$77,508
Net Assets$653,738

Operations Trend

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

$1.0M$500K$0-$500K-$1.0MRevenue 2024: $168,306Expenses 2024: $712,946Net Income 2024: -$544,6402024Revenue 2025: $845,918Expenses 2025: $237,776Net Income 2025: $608,1422025

Highlighted filing

2025

Revenue$845,918
Expenses$237,776
Net Income$608,142

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Aug 1, 2024 to Jul 31, 2025
Signed
Aug 20, 2025
Return Version
2024v5.2
Gross Receipts
$845,918
Mission and Program Overview

Mission

Our efforts are centered on the development of affordable housing and providing residents with the tools and information they need to break cycles of poverty and financial instability.

The organization's mission is to improve the lives of low- to moderate-income residents by providing safe, stable, and affordable housing. We focus on delivering quality housing options and connecting families with the resources necessary to build financial security and stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$45,000$678,980▲ $633,980
Loans From Officers Directors$29,255$74,255▲ $45,000
Cash and Non-Interest-Bearing Accounts$818$52,266▲ $51,448
Total Assets$45,818$731,246▲ $685,428
Liabilities
Other Liabilities$604,159$2,400▼ $601,759
Accounts Payable and Accrued Expenses$808$853▲ $45
Total Liabilities$634,222$77,508▼ $556,714
Net Assets / Fund Balance
Total Net Assets Fund Balance$-588,404$653,738▲ $1,242,142
Total Liabilities and Net Assets / Fund Balance$45,818$731,246▲ $685,428

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$633,980--
Other Land Buildings$0--
Land$45,000--
Equipment$0--
Leasehold Improvements$0--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024----$0
2023----$0
2022----$0
2021----$0
2020----$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Zuleika MooreExecutive DirectorPT$4,065$4,065

Board Members and Trustees

NameTitle
Anthony MoorePresident
Malcolm MooreVice President
Connie WarnerBoard Member
Sonja PoweBoard Member
Tina Williams HoustonBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$809,552
Program Service Revenue
$36,347
Investment Income
$19
Other Revenue
$0
All Other Contributions
$84,552
Change in Net Assets
$608,142

Audited Revenue Reconciliation

Revenue per Audited Statements
$0
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Form 990
$0
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$233,199
Salaries, Compensation, and Employee Benefits$4,577
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$5,073$16-$5,089
Occupancy$4,686--$4,686
Other Salaries and Wages$4,577--$4,577
Insurance$2,464--$2,464
Fees for Services Management$2,202--$2,202
Fees for Services Other-$1,788-$1,788
Fees for Services Accounting$1,200--$1,200
Interest$470--$470
Other Expenses$138$117-$255
All Other Expenses$0$168$0$168
Advertising$120--$120
Total Functional Expenses$214,640$23,136$0$237,776

Audited Expense Reconciliation

Line ItemAmount
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Expenses per Audited Statements$0
Total Expenses per Form 990$0
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
Loans from Officers, Directors, Trustees, and Key Employees$29,255$74,255▲ $45,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Security Depost$2,400
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
No
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 1A and 1B

The organization is governed by a Board of Directors consisting of five voting members, three of whom are independent.

Form 990 Part VI Line 2

The President Anthony Moore and Vice President Malcolm Moore are related.

Form 990 Part VI Line 8A and 8B

The governing body and committees with delegated authority contemporaneously document all meetings and actions in written minutes, which are maintained as part of the official record.

Form 990 Part VI Line 11B

Form 990 is prepared by an external accountant and reviewed by the organization's leadership before filing. A complete copy is provided to all members of the governing body prior to submission.

Form 990 Part VI Line 12C

The organization maintains a written conflict of interest policy. Officers and directors disclose any potential conflicts annually.

Form 990 Part VI Line 13

The organization maintains a written whistleblower policy to ensure transparency and accountability.

Form 990 Part VI Line 14

The organization follows a written document retention and destruction policy that complies with legal and operational requirements.

Form 990 Part VI Line 15A

The process of determining compensation includes conductingmarket research, defining job descriptions, developing a compensation structure, implementing an internal review and adjustments.

Form 990 Part VI Line 19

The organization makes Form 990 and governing documents available upon request, in accordance with IRS public disclosure requirements.

Form 990 Part VII

Board members serve voluntarily and receive no compensation for their governance roles. Collectively, board members contributed over 35 hours per week to organizational leadership, oversight, and compliance during the year. The Executive Director dedicated an average of 28 hours per week to program management, development, and operations. These commitments reflect the organizations strong reliance on leadership service hours to achieve its mission.

Filing and Contact Details

Filer

Filer Name
Lets Talk Money
EIN
88-3174707
Address
108 McElroy St, Monroe, LA 71203

Signing Officer

Name
Zuleika Moore
Title
Principal Officer
Signed
2025-08-20
Discuss with paid preparer
No

Organization Details

Voting Board Members
5
Independent Board Members
3
Employees
1

Preparer

Firm
FierceCG LLC
Address
2923 DeMooney Road, Atlanta, GA 30349
Preparer
Jennifer Muchison
Phone
6786624997
Supplemental Narrative

Additional Explanations

Form 990 Part XI Line 9

The change in net assets reflects ongoing construction activities and related expenses. Investments in the McElroy Phase 1 Project represent a deliberate effort to expand affordable housing access and strengthen the organization's long-term capacity to serve low-income families.

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IRS990ScheduleA/DistributionsGrp/CYAdministrativeExpensePaidAmt00
IRS990ScheduleA/DistributionsGrp/CYDistriAttentiveSuprtOrgAmt00
IRS990ScheduleA/DistributionsGrp/CYDistributableAsAdjustedAmt00
IRS990ScheduleA/DistributionsGrp/CYDistributionYrRt00
IRS990ScheduleA/DistributionsGrp/CYOtherDistributionsAmt00
IRS990ScheduleA/DistributionsGrp/CYPaidAccomplishExemptPrpsAmt00
IRS990ScheduleA/DistributionsGrp/CYPdInExcessIncomeActivityAmt00
IRS990ScheduleA/DistributionsGrp/CYTotalAnnualDistributionsAmt00
IRS990ScheduleA/DistributionsGrp/ExemptUseAssetsAcquisPaidAmt00
IRS990ScheduleA/DistributionsGrp/QualifiedSetAsideAmt00
IRS990ScheduleA/First5Years170Ind0X
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0845899
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0105070
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0950969
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt019
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt019
IRS990ScheduleA/MinimumAssetAmountGrp/AcquisitionIndebtednessGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AdjustedFMVLessIndebtednessGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyCashBalancesGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyFMVOfSecGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/CashDeemedCharitableGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/DiscountClaimedAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/FMVOtherNonExemptUseAssetGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/NetVlNonExemptUseAssetsGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/PctOfNetVlNonExemptUseAstGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/RecoveriesPYDistriMinAssetGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/TotalFMVOfNonExemptUseAssetGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/TotalFMVOfNonExemptUseAssetGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/TotalMinimumAssetGrp/PriorYearAmt00
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportTotal170Amt0950969
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0845899
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0105070
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0950969
IRS990ScheduleA/TotalSupportAmt0950988
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
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IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
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IRS990ScheduleD/BuildingsGrp/BookValueAmt0633980
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0633980
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IRS990ScheduleD/EndowmentsHeldUnrelatedOrgInd0false
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IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt00
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IRS990ScheduleD/LandGrp/BookValueAmt045000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt045000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02400
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Security Depost
IRS990ScheduleD/RelatedOrgListSchRInd0false
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IRS990ScheduleD/RevenueSubtotalAmt00
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IRS990ScheduleD/SolicitedAssetsSaleInd0false
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt00
IRS990ScheduleD/TotalBookValueProgramRltdAmt00
IRS990ScheduleD/TotalBookValueSecuritiesAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt00
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization is governed by a Board of Directors consisting of five voting members, three of whom are independent.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The President Anthony Moore and Vice President Malcolm Moore are related.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The governing body and committees with delegated authority contemporaneously document all meetings and actions in written minutes, which are maintained as part of the official record.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Form 990 is prepared by an external accountant and reviewed by the organization's leadership before filing. A complete copy is provided to all members of the governing body prior to submission.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The organization maintains a written conflict of interest policy. Officers and directors disclose any potential conflicts annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The organization maintains a written whistleblower policy to ensure transparency and accountability.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The organization follows a written document retention and destruction policy that complies with legal and operational requirements.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7The process of determining compensation includes conductingmarket research, defining job descriptions, developing a compensation structure, implementing an internal review and adjustments.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8The organization makes Form 990 and governing documents available upon request, in accordance with IRS public disclosure requirements.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Board members serve voluntarily and receive no compensation for their governance roles. Collectively, board members contributed over 35 hours per week to organizational leadership, oversight, and compliance during the year. The Executive Director dedicated an average of 28 hours per week to program management, development, and operations. These commitments reflect the organizations strong reliance on leadership service hours to achieve its mission.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10The change in net assets reflects ongoing construction activities and related expenses. Investments in the McElroy Phase 1 Project represent a deliberate effort to expand affordable housing access and strengthen the organization's long-term capacity to serve low-income families.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990 Part VI Line 1a and 1b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990 Part VI Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 Part VI Line 8a and 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990 Part VI Line 13
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990 Part VI Line 14
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990 Part VI Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990 Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990 Part VII
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990 Part XI Line 9

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