Lets Talk Money EIN 88-3174707 Form 990 (PDF) Claim this org

Lets Talk Money

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Provides safe, stable, affordable housing and financial resources to low-income families. For fiscal year 2025 it reported $846K in revenue, $238K in expenses, and $654K in net assets.Pt I

Type
Public charity (501(c)(3)) · Community Development
Location
Monroe, LA
Website
www.letstalkmoney.org
Filings
2 on file (2024–2025)
Revenue
$846KFY2025
Expenses
$238K
Net assets
$654K
People
6
Filings
2
Updates
0
More identity details & actions ⌄
EIN  88-3174707 Public charity (501(c)(3)) Monroe, LA
Form 990 (PDF)
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Size
$100K–1M
What they do
Provides safe, stable, affordable housing and financial resources to low-income families.
Leadership
Zuleika Moore · Executive Director · $4K
Money in and out
$846K revenue, $238K expenses
Bottom line
90% program efficiency
Where the money goes · FY2025
Total revenue
$846K
Pt VIII · Ln 12
Total expenses
$238K
Pt IX · Ln 25
Net assets
$654K
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): $608K
Where spending went · Part IX cols B–D
Program services $0.90 Management & general $0.10
Program efficiency
90%
of spending reaches programs
Operating runway
3.6mo
months of highly liquid reserves at operating expense rate
Surplus margin
+72%
revenue over expenses, this year▲ +122% vs prior filing year

Summary of the Filing

Part I · fiscal year 2025 · Form 990
Revenue
$846K
FY2025▲ +403%
Total revenue
$846K
Pt VIII · Ln 12
Total expenses
$238K
Pt IX · Ln 25
Net assets
$654K
Pt X · Ln 32
Revenue less expensesPt I · Ln 19$608K
Total assetsPt X · Ln 16$731K
Program-expense ratioPt IX · col B90%
Voting members of governing bodyPt I · Ln 35
Independent voting membersPt I · Ln 43

Identity & Classification

Form 990 Header · IRS Business Master File
Legal nameHdr · item CLets Talk Money
EINHdr · item D88-3174707
Principal addressHdr · item CMonroe, LA
WebsiteHdr · item Jwww.letstalkmoney.org
Year of formationHdr · item Lpending
State of legal domicileHdr · item MLA
Exempt statusHdr · item I501(c)(3) · active
NTEE classificationIRS BMFCommunity Development (S99)
Ruling yearIRS BMFAug 2022

Governance & Policies

Part VI
Voting members of the governing bodyPt VI · Ln 1a5
Independent voting membersPt VI · Ln 1b3
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 2Yes

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
Executive Director
$4,065Pt VII · Sec A
President
$0Pt VII · Sec A
Vice President
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A

Zuleika Moore’s $4K as Executive Director is at the 3rd percentile of top reported officer pay among 1711 $100K–1M community development 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.

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Mission & Programs · Part III

Where the work happens

1 program service account for $215K of program spending, described in the organization's own filed words · FY2024.
01

During the year the organization completed McElroy Phase 1 Project that improved the lives of 5 low income families by providing $782,592.84 worth of safe, energy efficient, affordable housing.

$215Kprogram expense

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Statement of Revenue

Part VIII
Contributions & grants$810K · 96%
Program service revenue$36K · 4%
Contributions & grants96%$810K
Program service revenue4%$36K
Investment income$19
— government grantsLn 1e$725K
Total revenueLn 12$846K

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Program services $0.90 Management & general $0.10
Program services90%$215K
Management & general10%$23K
Total functional expensesLn 25$238K

Balance Sheet

Part X · end of year
CashLn 1$52K
Total assetsLn 16$731K
Total liabilitiesLn 26$78K
Total net assetsLn 32$654K
Months of cash on handcomputed2.6

Financial Metrics

Form 990 · FY2025 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $52K · Operating expenses (Pt IX) $238K · Less non-cash grants $66K · Cash operating expenses/yr $172K
3.6 months
Where the money goes
Program services
Program services $215K · Total expenses $238K
90%
Management & General
Management & general $23K · Total expenses $238K
10%
Fundraising
Fundraising $0 · Total expenses $238K
0%
Cost to raise $1
Fundraising expense $0 · Solicited contributions $85K
Solicited contributions below reporting floor
Where the money comes from
Contribution dependence
Contributions & grants $810K · Total revenue $846K
96%
Government reliance
Government grants $725K · Total revenue $846K
86%
Earned-income share
Program service revenue $36K · Total revenue $846K
4%
Investment reliance
Investment income $19 · Total revenue $846K
<0.01%
Program self-sufficiency
Program service revenue $36K · Total expenses $238K
15%
Growth & trend
Revenue growth (YoY)
This year $846K · Prior year $168K
+403%
Net-asset trend (YoY)
End of year $654K · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $846K · Expenses $238K
+72%
Liabilities-to-Assets
Total liabilities — · Total assets $731K
Net-asset ratio
Net assets $654K · Total assets $731K
89%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) — · Other securities (Pt X, ln 12) — · Total assets (Pt X, ln 16) $731K
Excludes program-related investments (Pt X, ln 13)
People & payroll
Highest Reported Total Compensation
Individual Zuleika Moore · Reported title Executive Director · Highest reported compensation $4K · Total expenses $238K
2%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $5K · Total expenses $238K
2%
Peer comparison

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

MetricThis orgPeer medianPercentile
Program ratio 90%
Overhead ratio 10%
Fundraising cost ratio 0%
Revenue growth 403%
Accounting fee ratio 0.5%

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.

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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
FY2025 (Latest)$846K revenue · viewing · ⤓ 990 PDF
FY2024$168K revenue · ⤓ 990 PDF

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2025IRS
Classification, formation year, addressIRS Business Master File
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