Form 990 for the fiscal year ending December 2023 (IRS tax year 2023).
Status and standing
Where the money goes
Statement of Functional Expenses
Financial health
Summary of the Filing
Balance Sheet
Statement of Revenue
Financial Metrics
Same NTEE category, revenue band, and state where available. Descriptive — not a grade.
| Metric | This org | Peer median | Percentile |
|---|---|---|---|
| Program ratio | 64% | — | — |
| Overhead ratio | 19% | — | — |
| Fundraising cost ratio | 10% | — | — |
| Revenue growth | ×24 | — | — |
| Accounting fee ratio | 1% | — | — |
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.
Leadership and pay
Officers, Directors & Key Employees
Travis Moody’s $131K as Executive Director-Ceo is at the 86th percentile of top reported officer pay among 1709 $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.
Compensation history total reportable pay by year · 2 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2023 |
|---|---|---|---|
| Travis Moody | $131,192 | — | $108,000 |
| Travis Moody | — | $130,000 | — |
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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Governance & Policies
Mission and programs
Educates and assists people to break cycles of predatory lending.
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Where the work happens
Financial Literacy Coaching
Applicants completed an online application for assistance. Upon completion, applicants are matched with a financial coach. 270 applicants received one-to-one coaching to develop sustainable financial solutions.
Freedom Fund
51 applicants received financial assistance to assist with the elimination of preditory loans
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Funders
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
Filing history
| Year | Revenue | Expenses | Change | Filing |
|---|---|---|---|---|
| FY2025 Latest | $586K | $505K | -5% | 990 PDF |
| FY2024 | $615K | $430K | +0.6% | 990 PDF |
| FY2023 Viewing | $612K | $364K | ×24 | 990 PDF |
| FY2022 | $26K | — | 990 PDF |
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Schedules filed Part IV
Not shown yet: ratings, outcomes, and peer benchmarks. A Form 990 doesn’t report them.
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