Refuge for Women Inc

Nonprofit profile at a glance

EIN
264388243
IRS 990 coverage
2020–2025
Forms available
Form 990 2025
Location
Denton, TX, USA
Phone
9403310042
Rating
87
Verdict
STRONG
Rating confidence
Standard
Sector
Independent Housing for People with Disabilities

Official website

Reported finances

Revenue
$5,722,507
Expenses
$5,248,914
Assets
$5,578,089
Liabilities
$1,141,250

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

7 people listed

Executive titles in this filing

  • ABBY GERMER (PRESIDENT)

Highest reported compensation

  • ABBY GERMER (PRESIDENT): $125,746 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Refuge for women inc is a faith-based organization that provides housing, counseling, and life and work skills training for women who desire to leave the adult sex and entertainment industry.

What it reported doing in 2025

Refuge for women is a non-profit, faith based organization providing specialized long-term housing and emergency housing for women who have escaped human trafficking or sexual exploitation. With multiple locations across the u.s., refuge for women offers up to twelve months of safe housing, at no charge to the resident, with around the clock care as clients progress through evidence-based, trauma-informed programming. We strive to help each woman complete the program with a vision for her future, equipped to succeed and sustain a life marked with dignity and hope.

Operating model

Revenue model
Donor-supported. 82% of the money available for current operations came from contributions and gifts.
Distribution model
Direct operator. The filing allocates 82% 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

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

Rating breakdown

  • Financial Efficiency: 74
  • Transparency & Controls: 100
  • Accountability: 100
  • Sustainability: 47
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 74.9%; rating input score 75
  • Program expense ratio: 81.6%; rating input score 82
  • Fundraising efficiency: $13.48 raised per $1 spent on fundraising; rating input score 46; 46th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 75th 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: 8.3%; rating input score 51; 51st percentile among comparable filings
  • Total-asset coverage ratio: 1.06; rating input score 36; 36th percentile among comparable filings
  • Liabilities to assets ratio: 0.2; rating input score 35; 35th percentile among comparable filings
  • Officer compensation ratio: 2.4%; rating input score 73; 73rd percentile among comparable filings

Growth

  • Program expense growth: 10.9% per year; rating input score 100; 64th percentile among comparable filings
  • Revenue growth: 7% per year; rating input score 100; 51st percentile among comparable filings
  • Asset growth: 5.3% per year; rating input score 100; 35th percentile among comparable filings

Details

  • Where the money goes: 74.9% of revenue deployed · 81.6% of spending went to programs
  • Governance: 6 of 6 board members independent · 8 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $4.3M in reported program spending
  • Leadership: top reported pay $126K · 7 people listed
  • Consistency: 30 of 31 current checks pass · 1 finding to review
  • Schedules: 6 filed schedules · includes major donors and grants
  • Filing history: 5 filing years from 2020 to 2025
  • Contacts: How to reach this organization
  • Money network: 3 filed money-flow records
  • Related organizations: 2 filed related-organization links
  • 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.

  • Moderate — Financial Efficiency: Fundraising efficiency scored 46/100.
  • Review — Sustainability: Operating margin scored 51/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 36/100.
  • Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.
  • Moderate — Sustainability: Liabilities to assets ratio scored 35/100.