Creating community and reducing poverty through Christ-centered savings groups.

501(c)(3) charity; gifts are tax-deductible.
89¢ of each $1 spent went to programs.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX

Before you give

FY2022 · 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
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
5 of 5
filings with a surplus
Average surplus $158K a year · 13% of revenue · last 5 filings
Looks good: a surplus in 5 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
89%
of spending
Looks good: 89% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
5 mo
of spending, in cash
Looks good: 5.1 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
2
named funders · $796K
Fine: 2 funders name it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$5K
1% of total assets
Looks good: liabilities are 1% of assets; 50% or less.
Pt X · Ln 26
Independent board members
9
of 9 voting members
Looks good: 9 of 9 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$972K
+3% vs prior year
Spent
$879K
To programs
89%
Net assets
$511K
By yearFY2021–FY2025
Revenue
$972K
FY2022▲ +3%
Tap a bar for its year
Revenue by fiscal year
FY2021$944K
FY2022$972K
FY2023$1.4M
FY2024$1.2M
FY2025$1.6M
Expenses
$879K
FY2022▲ +13%
Tap a bar for its year
Expenses by fiscal year
FY2021$779K
FY2022$879K
FY2023$1.0M
FY2024$1.1M
FY2025$1.5M
Net assets
$511K
FY2022▲ +22%
Tap a bar for its year
Net assets by fiscal year
FY2021$418K
FY2022$511K
FY2023$899K
FY2024$986K
FY2025$1.1M

From the FY2022 Form 990 (year ending June 2022) · figures checked against the IRS filing · see the original

Give Claim
You’re viewing the FY2022 filing — not the latest on file. See the latest (FY2025) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Feb 2014.

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

Where the money goes

89 cents of each dollar spent went to programs.

Program services 89% · $783K Management & general 7% · $65K Fundraising 3% · $31K

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

Something off? Claim to add context

Who runs it and what they're paid

11 people listed on the 990.

Part VII, Section A · reportable compensation · most recent filed roster (FY2021); the FY2022 filing did not itemize Part VII
$0Pt VII · Sec A
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
Board Vice Chairman
$0Pt VII · Sec A
Board Chairman
$0Pt VII · Sec A

Joe Kuepfer’s $68K as Ececutive Director is at the 14th percentile of top reported officer pay among 1169 $1–10M international 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.

See Open Hands executive salaries →

On this list? Claim this org

Something off? Claim to add context

Questions the 990 asks

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

  • Family or business ties among officersPt VI · Ln 2Yes
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Empowering people to build community and escape poverty through faith-based savings.

Questions for Open Hands

Tap to ask. Open Hands sees how many people are interested.

Your first name shows with your question. Open Hands answers here, for everyone.

Provided by the organization

Know this org? Add your story

1 program · $783K · in their own filed words · FY2021
01

Creating community and reducing poverty through Christ-centered savings groups.

$783Kprogram 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 · FY2024
Total grants receivedfrom 2 funders$796K

By the numbers

The FY2022 990, line by line.

1The main four
Money inPt VIII
$972K
Ln 12
Gifts and grantsLn 1h$970K
Investment incomeLn 3$2K
Money outPt IX
$879K
Ln 25
Programscol B$783K
Managementcol C$65K
Fundraisingcol D$31K
Owns and owesPt X
$511K
net assets · Ln 32
Cash and savingsLn 1–2$376K
Total assetsLn 16$516K
LiabilitiesLn 26$5K
PeoplePt VI, VII
11
listed · VII A
PaidVII A0
Voting boardVI 1a9
IndependentVI 1b9
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$970K
Investment incomeLn 3$2K
Total revenueLn 12$972K
Assets in detailPt X, end of year
CashLn 1$224K
SavingsLn 2$152K
Cash and savings togetherLn 1–2$376K
Total assetsLn 16$516K
LiabilitiesLn 26$5K
Net assetsLn 32$511K
OperationsPt I, VI
EmployeesI 58
VolunteersI 614
Fiscal year endsHeaderJune
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY22End FY22
Cash and savingsLn 1–2$402K$376K
Total assetsLn 16$421K$516K
LiabilitiesLn 26$3K$5K
Net assetsLn 32$418K$511K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$158K$158K
Grants and assistance to foreign recipientsLn 3$286K$286K
Other salaries and wagesLn 7$299K$266K$33K
Payroll taxesLn 10$20K$20K
Accounting feesLn 11c$5K$5K
Other fees for servicesLn 11g$399$399
Advertising and promotionLn 12$22K$22K
Office expensesLn 13$11K$4K$7K
OccupancyLn 16$4K$4K
TravelLn 17$59K$37K$13K$9K
Conferences, conventions and meetingsLn 19$6K$6K
Other expenses (24a–d)Ln 24$9K$8K$738
Total functional expensesLn 25$879K$783K$65K$31K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $1.6M$1.5M$71K$1.1M 990 PDF
FY2024 $1.2M$1.1M$74K$986K 990 PDF
FY2023 $1.4M$1.0M$388K$899K 990 PDF
FY2022 Viewing $972K$879K$93K$511K 990 PDF
FY2021 $944K$779K$165K$418K 990 PDF

More to add? Claim this org

Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support F · Foreign O · Explanations
See the full FY2022 990 (6 parts)
Part I · Summary $972,134 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $943,997$970,497
I-9 Program service revenue$0
I-10 Investment incomePrior year $105$1,637
I-11 Other revenue$0
I-12 Total revenuePrior year $944,102$972,134
I-13 Grants and similar amounts paidPrior year $562,027$444,044
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $164,248$318,810
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $52,590$116,375
I-18 Total expensesPrior year $778,865$879,229
I-19 Revenue less expensesPrior year $165,237$92,905
Part VI · Governance 9 of 9 board members independent, 3 to look at
VI-1a Voting members of the governing body9
VI-1b Independent voting members9
VI-2 Family or business relationship among officers or directorsYes
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-12a Written conflict of interest policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $972,134 across 4 lines filed
VIII-1f All other contributions, gifts and grants$970,497
VIII-1h Total contributions, gifts and grants$970,497
VIII-3 Investment incomeRelated to mission $1,637$1,637
VIII-12 Total revenueRelated to mission $1,637 · Unrelated business $0 · Excluded from tax $0$972,134
Part IX · Statement of functional expenses $879,229 across 12 lines filed
IX-1 Grants to domestic organizationsPrograms $158,440$158,440
IX-3 Grants and assistance to foreign recipientsPrograms $285,604$285,604
IX-7 Other salaries and wagesPrograms $265,948 · Management $32,700$298,648
IX-10 Payroll taxesPrograms $20,162$20,162
IX-11c Accounting feesManagement $5,257$5,257
IX-11g Other fees for servicesManagement $399$399
IX-12 Advertising and promotionFundraising $22,119$22,119
IX-13 Office expensesPrograms $4,024 · Management $7,218$11,242
IX-16 OccupancyPrograms $3,589$3,589
IX-17 TravelPrograms $36,866 · Management $13,268 · Fundraising $8,571$58,705
IX-19 Conferences, conventions and meetingsManagement $5,906$5,906
IX-24 Other expenses (24a–d)Programs $8,420 · Management $738$9,158
IX-25 Total functional expensesPrograms $783,053 · Management $65,486 · Fundraising $30,690$879,229
Part X · Balance sheet $516,392 assets, 10 lines filed
X-1 Cash, non-interest-bearingStart of year $251,834$223,774
X-2 Savings and temporary cash investmentsStart of year $150,105$151,743
X-4 Accounts receivableStart of year $18,960$11,132
X-9 Prepaid expenses and deferred charges$129,743
X-16 Total assetsStart of year $420,899$516,392
X-17 Accounts payable and accrued expensesStart of year $2,774$5,362
X-26 Total liabilitiesStart of year $2,774$5,362
X-27 Net assets without donor restrictionsStart of year $418,125$511,030
X-32 Total net assets or fund balancesStart of year $418,125$511,030
X-33 Total liabilities and net assetsStart of year $420,899$516,392
Part XI · Reconciliation of net assets $511,030 net assets at year end
XI-1 Total revenue$972,134
XI-2 Total expenses$879,229
XI-3 Revenue less expenses$92,905
XI-4 Net assets at start of year$418,125
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$511,030

Form 990 e-file (XML) FY2022 from the IRS · Classification, formation year and address from the IRS Business Master File

Similar organizations you could support · Compare with another nonprofit

Names, privacy, and removal requests More

The names, titles, and compensation shown on this page are reproduced from IRS Form 990 filings, which are public records.

Philanthropy.org does not alter the content of those filings. All information appears exactly as reported by the filing organization for the tax year shown.

We publish only information contained in the public IRS filing — and less than the filing contains. Our profile pages do not display street addresses, telephone numbers, personal email addresses, or other personal contact information, even where the filing includes them.

Many people share the same name. A name shown on this page reflects only what one organization reported in one IRS filing for one tax year. It should not be interpreted as identifying any other individual with the same or a similar name.

If you are no longer affiliated with the organization, your name will generally stop appearing in future IRS filings once the organization no longer reports you. Pages for tax years in which you were reported remain published because those filings remain part of the public record.

Philanthropy.org does not alter or remove IRS filing records. Removing a page from this website would not remove the underlying IRS filing, which remains publicly available from the IRS and other publishers of the same information.

If you believe the IRS filing itself is inaccurate, corrections must be made by the filing organization or the IRS directly.

Your org? Add context

Made it to the end? Claim this org

All figures are derived from public IRS Form 990 filings and are presented without evaluation of any organization. philanthropy.org does not rate, score, or rank organizations, including the pay comparisons above.