Live and Learn Program

Nonprofit profile at a glance

EIN
472086218
IRS 990 coverage
2016–2024
Forms available
Form 990 2024, Form 990-EZ 2015, Form 990-N 2014
Location
Phoenix, AZ, USA
Phone
6025837052
Rating
82
Verdict
STRONG
Rating confidence
Moderate
Sector
Youth Development Programs

Official website

Reported finances

Revenue
$1,073,896
Expenses
$1,159,730
Assets
$1,038,518
Liabilities
$143,877

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

Leadership & pay

10 people listed

Executive titles in this filing

  • KRISTIN CHATSWORTH (EXECUTIVE DIRECTOR (LEFT 6/2024))
  • STEPHANIE GIANNINI (EXECUTIVE DIRECTOR)
  • KIM MADRIGAL - INTERIM (EXECUTIVE DIRECTOR (LEFT 11/2024))

Highest reported compensation

  • KRISTIN CHATSWORTH (EXECUTIVE DIRECTOR (LEFT 6/2024)): $54,455 total reported compensation
  • STEPHANIE GIANNINI (EXECUTIVE DIRECTOR): $4,583 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 women to break the cycle of generational poverty. We envision a world where women thrive, strengthening their families and the community.

What it reported doing in 2024

In 2024, live and learn served 175 women in maricopa county, most of whom faced significant barriers such as motherhood (56%), domestic violence (34%), reliance on government assistance (35%), homelessness (35%), and substance use disorder (11%). Despite these challenges, 11 women earned a degree or certification, and 70 were the first in their families to pursue higher education. Live and learn provided 698 hours of one-on-one support and hosted 65 workshops with 83% participationcovering topics such as mental health, digital literacy, financial coaching, job readiness, and career counseling. Additionally, we facilitated 144 healthcare connections and 38 community partner referrals, helping women build stability, pursue education, and move toward long-term independence.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Direct operator. The filing allocates 94% 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.
  • Includes noncash contributions: Reported contributions include donated property or goods.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 71
  • Transparency & Controls: 90
  • Accountability: 100
  • Sustainability: 31
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 79.3%; rating input score 79
  • Program expense ratio: 72.9%; rating input score 73
  • Fundraising efficiency: $6.2 raised per $1 spent on fundraising; rating input score 23; 23rd percentile among comparable filings

Transparency & Controls

  • Consistency checks: 94.7%; rating input score 95; 26th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 98.1%; rating input score 98; 46th percentile among comparable filings
  • 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: 8 of 8 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -8%; rating input score 19; 19th percentile among comparable filings
  • Total-asset coverage ratio: 0.9; rating input score 39; 39th percentile among comparable filings
  • Liabilities to assets ratio: 0.14; rating input score 37; 37th percentile among comparable filings
  • Officer compensation ratio: 5.1%; rating input score 53; 53rd percentile among comparable filings

Growth

  • Program expense growth: 18.1% per year; rating input score 100; 80th percentile among comparable filings
  • Revenue growth: 20.4% per year; rating input score 100; 86th percentile among comparable filings
  • Asset growth: 14.3% per year; rating input score 100; 71st percentile among comparable filings

Details

  • Where the money goes: 79.3% of revenue deployed · 72.9% of spending went to programs
  • Governance: 6 of 6 board members independent · 8 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $845K in reported program spending
  • Leadership: top reported pay $54K · 10 people listed
  • Consistency: 39 of 40 current checks pass · 1 finding to review
  • Schedules: 6 filed schedules · includes major donors and grants
  • Filing history: 9 filing years from 2016 to 2024
  • Contacts: How to reach this organization
  • Money network: 4 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.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

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

  • High — Financial Efficiency: Fundraising efficiency scored 23/100.
  • High — Sustainability: Operating margin scored 19/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 39/100.
  • Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
  • Moderate — Sustainability: Liabilities to assets ratio scored 37/100.
  • Review — Sustainability: Officer compensation ratio scored 53/100.