Finability EIN 85-3874734

Finability

EIN  85-3874734 Public charity (501(c)(3)) Portland, OR
Form 990 (PDF) Compare with another nonprofit →
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Size
$100K–1M
What they do
Helps domestic abuse survivors gain financial independence and control over their lives.
Leadership
Stacy Sawin · Executive Dir. · $88K
Money in and out
$909K revenue, $154K expenses
Bottom line
67% program efficiency

Helps domestic abuse survivors gain financial independence and control over their lives. For fiscal year 2024 it reported $909K in revenue, $154K in expenses, and $827K in net assets.Pt I

Where the money goes · FY2024
Total revenue
$909K
Pt VIII · Ln 12
Total expenses
$154K
Pt IX · Ln 25
Net assets
$827K
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): $755K
Where spending went · Part IX cols B–D
Program services $0.67 Management & general $0.22 Fundraising $0.11
Program efficiency
67%
of spending reaches programs
Operating runway
63.5mo
months of highly liquid reserves at operating expense rate▲ +725% vs prior filing year
Surplus margin
+83%
revenue over expenses, this year▲ +136% vs prior filing year

Summary of the Filing

Part I · fiscal year 2024 · Form 990
Revenue
$909K
FY2024▲ +527%
Total revenue
$909K
Pt VIII · Ln 12
Total expenses
$154K
Pt IX · Ln 25
Net assets
$827K
Pt X · Ln 32
Revenue less expensesPt I · Ln 19$755K
Total assetsPt X · Ln 16$828K
Program-expense ratioPt IX · col B67%
Voting members of governing bodyPt I · Ln 39
Independent voting membersPt I · Ln 49
Mission & Programs · Part III

Where the work happens

3 program services account for $81K of program spending, described in the organization's own filed words · FY2024.
01

Financial Partnerships

In 2024, finability launched a pilot of its 1:1 financial mentoring program, pairing survivors with trauma-informed financial professionals for support on budgeting, credit, debt, and financial goals. All mentees reported increased financial confidence, with a perfect 10/10 net promoter score.

$32Kprogram expense
02

Community Partnerships

In 2024, finabilitys survivor advisory committee continued to shape strategic priorities, design programs, and lead public education efforts. They launched quarterly webinars attended by over 125 community members and ran advocacy campaigns to raise awareness of financial abuse.

$26Kprogram expense
03

Website Product

In 2024, finabilitys website and online tools provided lifesaving information to over 24,000 users. Our digital financial toolkit includes 25+ survivor-informed modules and blog posts answering urgent safety and financial questions like how do I safely open a bank account?, how do I heal from financial trauma and abuse?, and how do I…

$23Kprogram expense

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Identity & Classification

Form 990 Header · IRS Business Master File
Legal nameHdr · item CFinability
EINHdr · item D85-3874734
Principal addressHdr · item CPortland, OR
WebsiteHdr · item Jfinabilityus.org
Year of formationHdr · item Lpending
State of legal domicileHdr · item MOR
Exempt statusHdr · item I501(c)(3) · active
NTEE classificationIRS BMFCrime & Legal (I71)
Ruling yearIRS BMFMar 2022

Governance & Policies

Part VI
Voting members of the governing bodyPt VI · Ln 1a9
Independent voting membersPt VI · Ln 1b9
Conflict-of-interest policyPt VI · Ln 12aYes
Whistleblower policyPt VI · Ln 13Yes
Document retention policyPt VI · Ln 14Yes
CEO/top-official compensation independently reviewedPt VI · Ln 15aYes
Family or business relationships among officers/directorsPt VI · Ln 2No

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation
Executive Dir.
$87,999Pt VII · Sec A
$0Pt VII · Sec A
Vice Chair
$0Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
$0Pt VII · Sec A

Stacy Sawin’s $88K as Executive Dir. is at the 69th percentile of top reported officer pay among 1398 $100K–1M crime & legal 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

NameFY2024FY2023
Stacy Sawin$87,999$69,000

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.

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Statement of Revenue

Part VIII
Contributions & grants$902K · 99%
Investment income$8K · 1%
Contributions & grants99%$902K
Investment income1%$8K
Total revenueLn 12$909K

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Program services $0.67 Management & general $0.22 Fundraising $0.11
Program services67%$103K
Management & general22%$34K
Fundraising11%$17K
Total functional expensesLn 25$154K

Balance Sheet

Part X · end of year
CashLn 1$816K
Total assetsLn 16$828K
Total liabilitiesLn 26$1K
Total net assetsLn 32$827K
Months of cash on handcomputed63.5

Financial Metrics

Form 990 · FY2024 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $816K · Operating expenses/yr $154K
63.5 months
Where the money goes
Program services
Program services $103K · Total expenses $154K
67%
Management & General
Management & general $34K · Total expenses $154K
22%
Fundraising
Fundraising $17K · Total expenses $154K
11%
Cost to raise $1
Fundraising expense $17K · Solicited contributions $902K
$0.02 to raise $1
Where the money comes from
Contribution dependence
Contributions & grants $902K · Total revenue $909K
99%
Government reliance
Government grants — · Total revenue $909K
Earned-income share
Program service revenue $0 · Total revenue $909K
0%
Investment reliance
Investment income $8K · Total revenue $909K
+1%
Program self-sufficiency
Program service revenue $0 · Total expenses $154K
0%
Growth & trend
Revenue growth (YoY)
This year $909K · Prior year $145K
+527%
Net-asset trend (YoY)
End of year $827K · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $909K · Expenses $154K
+83%
Liabilities-to-Assets
Total liabilities — · Total assets $828K
Net-asset ratio
Net assets $827K · Total assets $828K
100%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) $0 · Other securities (Pt X, ln 12) $0 · Total assets (Pt X, ln 16) $828K
0%
People & payroll
Highest Reported Total Compensation
Individual Stacy Sawin · Reported title Executive Dir. · Highest reported compensation $88K · Total expenses $154K
57%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $109K · Total expenses $154K
71%
Peer comparison

Same NTEE category, revenue band, and state where available. Descriptive — not a grade.

MetricThis orgPeer medianPercentile
Program ratio 67%
Overhead ratio 22%
Fundraising cost ratio 2%
Revenue growth 527%
Investment management fee ratio 0%
Legal fee ratio 0%
Accounting fee ratio 8%
Fundraising fee ratio 0%

Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.

Grants

Schedule I · funders on record
Grants received · FY2024
See all 8 funders →

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Filings & Schedule Manifest

Part IV
III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
FY2024 (Latest)$909K revenue · viewing · ⤓ 990 PDF
FY2023$145K revenue · ⤓ 990 PDF

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2024IRS
Classification, formation year, addressIRS Business Master File
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