Evergreen Financial Counseling

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Credit and debt education and counseling via telephone and internet . This education is approved by the US Trustees office in most states and is in compliance with the US Bankruptcy Code requirements

501(c)(3) charity; gifts are tax-deductible.
94¢ of each $1 spent went to programs.
Run by 10 volunteers.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2024 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Spent on programs
94%
of spending
Looks good: 94% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$74K
to officers and key staff · 20% of spending
Fine: pay to officers and key staff is 20% of spending; 15% to 20%.
Pt VII · Sec A
4 mo
of spending, in cash
Looks good: 4.0 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $74
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$229K
73% of total assets
Worth a look: liabilities are 73% of assets; over 65%.
Pt X · Ln 26
Independent board members
3
of 3 voting members
Looks good: 3 of 3 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$523K
+643% vs prior year
Spent
$373K
To programs
94%
Net assets
$85K
By yearFY2020–FY2024
Revenue
$523K
FY2024▲ +643%
Tap a bar for its year
Revenue by fiscal year
FY2020$146K
FY2021$156K
FY2022$123K
FY2023$70K
FY2024$523K
Net assets
$85K
FY2024▲ +229%
Tap a bar for its year
Net assets by fiscal year
FY2020−$22K
FY2021−$17K
FY2022−$15K
FY2023−$66K
FY2024$85K

From the FY2024 Form 990 · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in May 2012.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

94 cents of each dollar spent went to programs.

Program services 94% · $352K Management & general 4% · $15K Fundraising 1% · $6K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

5 people listed on the 990; $74K paid to officers and key staff.

Part VII, Section A · reportable compensation
Compliance Officer
$73,656Pt VII · Sec A
$0Pt VII · Sec A
Secretary
$0Pt VII · Sec A
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A

Rebecca Snyder’s $74K as Compliance Officer is at the 64th percentile of top reported officer pay among 2167 $100K–1M human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 1 named individual · Part VII

NameFY2024FY2020
Rebecca Snyder$73,656$86,080

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Evergreen Financial Counseling executive salaries →

Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aNo
  • Loans to or from officersSch L · Pt II1 listed

Programs and updates

Provides credit and debt education and counseling by phone and online.

Questions for Evergreen Financial Counseling

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1 program · $352K · in their own filed words · FY2024
01

Credit and Debit counseling and education services

$352Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · funders on record
Grants received · FY2023
Total grants receivedfrom 1 funder$74

By the numbers

The FY2024 990, line by line.

1The main four
Money inPt VIII
$523K
Ln 12
Fees for servicesLn 2g$523K
Money outPt IX
$373K
Ln 25
Programscol B$352K
Managementcol C$15K
Fundraisingcol D$6K
Owns and owesPt X
$85K
net assets · Ln 32
Cash and savingsLn 1–2$125K
Total assetsLn 16$313K
LiabilitiesLn 26$229K
PeoplePt VI, VII
5
listed · VII A
PaidVII A1
Voting boardVI 1a3
IndependentVI 1b3
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$523K
Total revenueLn 12$523K
Assets in detailPt X, end of year
CashLn 1$125K
Cash and savings togetherLn 1–2$125K
Other assetsLn 15$188K
Total assetsLn 16$313K
LiabilitiesLn 26$229K
Net assetsLn 32$85K
OperationsPt I, VI
EmployeesI 50
VolunteersI 610
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aNo
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$6K$125K
Total assetsLn 16$164K$313K
LiabilitiesLn 26$230K$229K
Net assetsLn 32−$66K$85K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$0
Grants to domestic individualsLn 2$0
Grants and assistance to foreign recipientsLn 3$0
Benefits paid to or for membersLn 4$0
Pay of current officers, directors and key staffLn 5$74K$74K
Pay of disqualified personsLn 6$0
Other salaries and wagesLn 7$0
Pension plan contributionsLn 8$0
Other employee benefitsLn 9$0
Payroll taxesLn 10$0
Management feesLn 11a$0
Legal feesLn 11b$32K$32K
Accounting feesLn 11c$3K$3K
Lobbying feesLn 11d$0
Investment management feesLn 11f$0
Other fees for servicesLn 11g$0
Advertising and promotionLn 12$2K$2K
Office expensesLn 13$10K$9K$1K
Information technologyLn 14$5K$101$2K$3K
RoyaltiesLn 15$0
OccupancyLn 16$0
TravelLn 17$2K$2K
Travel and entertainment for public officialsLn 18$0
Conferences, conventions and meetingsLn 19$2K$2K
InterestLn 20$4K$4K
Payments to affiliatesLn 21$0
Depreciation, depletion and amortizationLn 22$0
InsuranceLn 23$0
Other expenses (24a–d)Ln 24$235K$234K$2K
All other expensesLn 24e$3K$3K
Total functional expensesLn 25$373K$352K$15K$6K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest ViewingFiled with the IRS Dec 3, 2025 $523K$373K$150K$85K 990 PDF
FY2023Filed with the IRS Jun 10, 2024 $70K−$66K 990 PDF
FY2022Filed with the IRS May 12, 2023 $123K−$15K 990 PDF
FY2021Filed with the IRS Nov 15, 2022 $156K−$17K 990 PDF
FY2020Filed with the IRS Sep 8, 2021 $146K−$22K 990 PDF

Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2024 990 (6 parts)
Part I · Summary $523,239 revenue, 12 lines filed
I-8 Contributions and grants$0
I-9 Program service revenuePrior year $70,450$523,239
I-10 Investment income$0
I-11 Other revenue$0
I-12 Total revenuePrior year $70,450$523,239
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $59,747$73,656
I-16a Professional fundraising feesPrior year $2,573$0
I-17 Other expensesPrior year $58,851$299,318
I-18 Total expensesPrior year $121,171$372,974
I-19 Revenue less expensesPrior year −$50,721$150,265
Part VI · Governance 3 of 3 board members independent, 4 to look at
VI-1a Voting members of the governing body3
VI-1b Independent voting members3
VI-12a Written conflict of interest policyNo
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-15a Process for setting top official's payNo
VI-2 Family or business relationship among officers or directorsNo
Part VIII · Statement of revenue $523,239 across 2 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $523,239$523,239
VIII-12 Total revenueRelated to mission $523,239$523,239
Part IX · Statement of functional expenses $372,974 across 30 lines filed
IX-1 Grants to domestic organizations$0
IX-2 Grants to domestic individuals$0
IX-3 Grants and assistance to foreign recipients$0
IX-4 Benefits paid to or for members$0
IX-5 Pay of current officers, directors and key staffPrograms $73,656$73,656
IX-6 Pay of disqualified persons$0
IX-7 Other salaries and wages$0
IX-8 Pension plan contributions$0
IX-9 Other employee benefits$0
IX-10 Payroll taxes$0
IX-11a Management fees$0
IX-11b Legal feesPrograms $31,685$31,685
IX-11c Accounting feesManagement $3,140$3,140
IX-11d Lobbying fees$0
IX-11f Investment management fees$0
IX-12 Advertising and promotionFundraising $2,286$2,286
IX-13 Office expensesPrograms $9,060 · Management $1,103$10,163
IX-14 Information technologyPrograms $101 · Management $1,728 · Fundraising $3,269$5,098
IX-15 Royalties$0
IX-16 Occupancy$0
IX-17 TravelPrograms $1,623$1,623
IX-18 Travel and entertainment for public officials$0
IX-19 Conferences, conventions and meetingsPrograms $2,449$2,449
IX-20 InterestManagement $4,368$4,368
IX-21 Payments to affiliates$0
IX-22 Depreciation, depletion and amortization$0
IX-23 Insurance$0
IX-24 Other expenses (24a–d)Programs $233,573 · Management $1,627$235,200
IX-24e All other expensesManagement $3,306$3,306
IX-25 Total functional expensesPrograms $352,147 · Management $15,272 · Fundraising $5,555$372,974
Part X · Balance sheet $313,369 assets, 9 lines filed
X-1 Cash, non-interest-bearingStart of year $5,862$125,452
X-15 Other assetsStart of year $158,276$187,917
X-16 Total assetsStart of year $164,138$313,369
X-22 Loans from officers and insidersStart of year $192,383$203,469
X-25 Other liabilitiesStart of year $35,831$25,336
X-26 Total liabilitiesStart of year $229,839$228,805
X-31 Retained earnings or endowmentStart of year −$65,701$84,564
X-32 Total net assets or fund balancesStart of year −$65,701$84,564
X-33 Total liabilities and net assetsStart of year $164,138$313,369
Part XI · Reconciliation of net assets $84,564 net assets at year end
XI-1 Total revenue$523,239
XI-2 Total expenses$372,974
XI-3 Revenue less expenses$150,265
XI-4 Net assets at start of year−$65,701
XI-10 Net assets at end of year$84,564

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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