FinAbility

Nonprofit profile at a glance

EIN
853874734
IRS 990 coverage
2024–2024
Forms available
Form 990 2024, Form 990-EZ 2023, Form 990-N 2022
Location
Portland, OR, USA
Phone
5032084752
Rating
64
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Spouse Abuse, Prevention

Official website

Reported finances

Revenue
$909,129
Expenses
$154,129
Assets
$827,660
Liabilities
$1,000

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

10 people listed

Highest reported compensation

  • STACY SAWIN (Executive Dir.): $87,999 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To empower survivors of domestic abuse to build financial security and autonomy.

What it reported doing in 2024

Our outreach and communications work in 2024 included our second annual #speakout event, where survivors shared their stories in portlands 13th avenue plaza to an audience of 80+ attendees. The event featured 12 nonprofit partners (up from 2 last year) and earned a net promoter score of 9.6/10, signaling high impact. In addition to #speakout, these funds supported awareness campaigns on domestic and financial abuse, a series of educational lunch-and-learns with financial institutions, and a domestic violence simulation experience to help bank staff and community members better understand the complex barriers survivors face.

Operating model

Revenue model
Donor-supported. 99% of the money available for current operations came from contributions and gifts.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

SUPPORTED - The filed numbers largely add up and most voting board members are independent. A relatively small share of available resources goes toward mission work and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 38
  • Transparency & Controls: 84
  • Accountability: 84
  • Sustainability: 81
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 12.1%; rating input score 12
  • Program expense ratio: 66.8%; rating input score 67
  • Fundraising efficiency: $54.03 raised per $1 spent on fundraising; rating input score 79; 79th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 90%; rating input score 90; 5th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
  • Governance controls: 5 of 8 controls in place; rating input score 62
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: Fail
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 83%; rating input score 98; 98th percentile among comparable filings
  • Total-asset coverage ratio: 5.37; rating input score 85; 85th percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 79; 79th percentile among comparable filings
  • Officer compensation ratio: 57.1%; rating input score 1; 1st percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 145% per year; rating input score 100; 100th percentile among comparable filings
  • Asset growth: 168.1% per year; rating input score 100; 100th percentile among comparable filings

Details

  • Where the money goes: 12.1% of revenue deployed · 66.8% of spending went to programs
  • Governance: 9 of 9 board members independent · 5 of 8 filing controls reported
  • Programs: 4 filed program accomplishments · $103K in reported program spending
  • Leadership: top reported pay $88K · 10 people listed
  • Consistency: 25 of 26 current checks pass · 1 finding to review
  • Schedules: 4 filed schedules · includes major donors
  • Contacts: How to reach this organization
  • Money network: 2 filed money-flow records
  • Related organizations: Filed and resolved organization relationships.
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Financial Efficiency: Mission deployment rate scored 12/100.
  • Review — Accountability: Governance controls: 2 of 7 not reported.
  • Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.
  • High — Sustainability: Officer compensation ratio scored 1/100.