Womensave
Nonprofit profile at a glance
- EIN
- 861228189
- IRS 990-EZ coverage
- 2022–2025
- Forms available
- Form 990 2024, Form 990-EZ 2025, Form 990-N 2021
- Location
- Petaluma, CA, USA
- Phone
- 2022574288
- Rating
- 84
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Financial Counseling
Reported finances
- Revenue
- $143,334
- Expenses
- $104,340
- Assets
- $219,671
- Liabilities
- $210
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
5 people listed
Executive titles in this filing
- S SINES (President)
People named in this filing
- S SINES (President)
- S HENNING (Treasurer)
- S MOUMINI (Secretary)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To empower unbanked women to meet their financial goals
What it reported doing in 2025
WomenSave reached 2,700 low-income women in Western Uganda with our suite of products and services, including financial literacy training, instruction to open and use personal mobile bank accounts
Operating model
- Revenue model
- Cannot be determined from the filing. The filing does not provide enough consistent revenue detail to tell how this nonprofit funds its work.
- 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
STRONG - The filed numbers largely add up and a large share of available resources goes toward mission work. Reported officer compensation is a large share of total spending, which may reflect staffing concentration and liabilities are high compared with assets.
Rating breakdown
- Financial Efficiency: 72
- Transparency & Controls: 100
- Sustainability: 69
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 63.3%; rating input score 63
- Program expense ratio: 86.9%; rating input score 87
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
Sustainability
- Operating margin: 27.2%; rating input score 79; 79th percentile among comparable filings
- Total-asset coverage ratio: 2.11; rating input score 81; 81st percentile among comparable filings
- Liabilities to assets ratio: 0; rating input score 46; 46th percentile among comparable filings
- Officer compensation ratio: 10%; rating input score 22; 22nd percentile among comparable filings
Growth
- Program expense growth: 30.9% per year; rating input score 100; 83rd percentile among comparable filings
- Revenue growth: 31.3% per year; rating input score 100; 90th percentile among comparable filings
- Asset growth: 58% per year; rating input score 100; 94th percentile among comparable filings
Details
- Where the money goes: 63.3% of revenue deployed · 86.9% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 3 filed program accomplishments · $91K in reported program spending
- Leadership: top reported pay $0 · 5 people listed
- Consistency: 7 of 7 current checks pass
- Schedules: 3 filed schedules
- Filing history: 3 filing years from 2022 to 2025
- Contacts: How to reach this organization
- Money network: 2 filed money-flow records
- 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 — Sustainability: Officer compensation ratio scored 22/100.
- Moderate — Sustainability: Liabilities to assets ratio scored 46/100.