Empowers low-income individuals and youth with skills and resources to overcome poverty and achieve inclusion.
For fiscal year 2025 it reported $32.1M in revenue, $43.7M in expenses, and $38.0M in net assets.Pt I
Where the money goes · FY2025
Total revenue
$32.1M
Pt VIII · Ln 12
Total expenses
$43.7M
Pt IX · Ln 25
Net assets
$38.0M
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): −$11.5M
Where spending went · Part IX cols B–D
84%
Program services $0.84 Management & general $0.10 Fundraising $0.06
Program efficiency
84%
of spending reaches programs0% vs prior filing year
Operating runway
1.6mo
months of highly liquid reserves at operating expense rate▼ -30% vs prior filing year
Surplus margin
-36%
revenue over expenses, this year▼ -236% vs prior filing year
Summary of the Filing
Part I · fiscal year 2025 · Form 990
Revenue
$32.1M
FY2025▼ -44%
$57.4M$28.7M$0
FY2020FY2025
Expenses
$43.7M
FY2025▲ +3%
$43.7M$21.8M$0
FY2020FY2025
Total assets
$44.4M
FY2025▼ -21%
$56.3M$28.2M$0
FY2020FY2025
Total liabilities
$6.4M
FY2025▼ -6%
$8.8M$4.4M$0
FY2020FY2025
Total revenue
$32.1M
Pt VIII · Ln 12
Total expenses
$43.7M
Pt IX · Ln 25
Net assets
$38.0M
Pt X · Ln 32
Revenue less expensesPt I · Ln 19−$11.5M
Total assetsPt X · Ln 16$44.4M
Program-expense ratioPt IX · col B84%
Voting members of governing bodyPt I · Ln 311
Independent voting membersPt I · Ln 410
Mission & Programs · Part III
Where the work happens
3 program services account for $34.8M of program spending, described in the organization's own filed words · FY2025.
01
Hope Inside
HOPE Inside gives clients the resources to improve their financial situations. Through our 700-credit score initiative, we approve clients as soon as they seek assistance, commit to the resolution of primary credit denial factors, and raised FICO scores an average of 39 points.
$27.4Mprogram expense
02
1MBB HOPEs 1 Million Black Businesses initiative (1MBB) provides the black community a successful path to wealth creation through sustainable and profitable business ownership. 1MBB participants can take advantage of coaching and educational services, access to expert volunteers and more.
$4.0Mprogram expense
03
Youth HOPEs Banking on our Future (BOOF) program has operated in 304 U.S. cities and 3 provinces in South Africa and has educated over 1 million youth. The program is the recipient of the 11th John Sherman Award for Financial Education given by the US Treasury Department.
John Bryant’s $774K as Chairman/CEO
is at the 97th percentile of top reported officer pay among 131 $10–100M unclassified 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 · 8 named individuals · Part VII
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.
Individual John Bryant · Reported title Chairman/CEO · Highest reported compensation $774K · Total expenses $43.7M
2%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $33.3M · Total expenses $43.7M
76%
Peer comparison
Same NTEE category, revenue band, and state where available. Descriptive — not a grade.
Metric
This org
Peer median
Percentile
Program ratio
84%
—
—
Overhead ratio
10%
—
—
Fundraising cost ratio
8%
—
—
Revenue growth
-44%
—
—
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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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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