Missouri · Nonprofit
CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES
CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES (Missouri) receives grants from 19 organizations whose IRS filings report $4,470,202 to it, the largest being Marion and Henry Bloch Family Foundation ($1,042,000). 9 of them have funded it in more than one year.
- Revenue FY2025
- $3.5M
- Funders on record
- 19
- Grants received
- $4.5M
- Net assets
- $4.8M
What Credit & Homeownership Empowerment Services does
Mission
Dedicated to empowering low to moderate income individuals and families with the knowledge skills and confidence necessary for long-term financial & homeownership success.
As stated on its FY2025 Form 990.
Programs
On its FY2025 return the organization reported starting a significant new program.
Part III Line 4b - Porter House KC: Beginning in 2025 the organization is separately reporting Porter House KC as a distinct program service on Form 990 Part III Line 4b. The program has operated as part of the organizations activities for over five years but was not previously broken out separately due to immateriality. The program expanded in scope and activity during 2025 warranting separate reporting.
Its own explanation, from Schedule O of that return (Part III, line 2).
Our organization provides HUD-approved housing financial and credit education counseling and coaching to individuals and families. Through our services we aim to empower our clients with the knowledge skills and confidence needed to make informed decisions about their housing and financial situations. Additionally we offer down payment assistance to help individuals achieve their goal of homeownership
$2,106,548 spentof which $841,137 as grants87% of program spendingPorter House KC is an established program of the organization in operation for over five years providing business education mentorship training and incubator services to minority entrepreneurs and small business owners in underserved urban core neighborhoods of Kansas City. During 2025 the program expanded significantly in scope and activity with total program expenses of 318,477. Beginning in 2025 the organization is separately reporting Porter House KC as a distinct program service on Form 990 Part III Line 4b to reflect its growth and the increased materiality of program activities. The program directly supports the organizations mission by building economic capacity within the same communities served by CHESs HUD-approved housing counseling activities.
$318,477 spent13% of program spendingNot described on the e-filed return.
$0 spent0% of program spendingOther program services, not described on the e-filed return.
$0 spent0% of program spending
The 4 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $2,425,025.
The organization over time
Each line starts at 100 in 2021, so what you read is the shape rather than the size: 150 means half as much again as 2021, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2021 to 2022, from $7.9M to $5.1M (−36%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2021 23% · 2022 15% · 2023 23% · 2024 20% · 2025 4%. Grants only. Government contracts and fees sit inside program revenue.
100% of CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES’s revenue is contributions — more reliant on donations than three-quarters of its peers (81% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 5 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Who funds it, year by year
2017 → 2023: the base broadened from 1 funder to 7 funders, grant income rose $33k → $712k.
5 of 19 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 2% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES has a broad base — no single funder exceeds 23% of grant income, and it takes 3 funders to reach half.
the vertical line marks half of all grant income — 3 funders to its left
43% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES.
Largest funder’s share by year: 2017 100% · 2018 57% · 2019 39% · 2020 54% · 2021 34% · 2022 67% · 2023 30% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
44% of CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES's funders are still giving 3 years after their first grant; 47% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
60% of CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES's grant income comes from Missouri funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $74k arriving through sponsors registered in 5 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES runs a healthier operating margin than three-quarters of the 6,891 human services nonprofits its size.
this organization peer median middle 50% of peers· 6,891 human services nonprofits $1M–$10M, FY2025
Organizations like CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Missouri
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
96% of spending goes to programs.
Governance
Public support
100%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Screen this organization
A dated, signed PDF of the compliance screen for CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES?
- CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES (Missouri) receives grants from 19 organizations whose IRS filings report $4,470,202 to it, the largest being Marion and Henry Bloch Family Foundation ($1,042,000). 9 of them have funded it in more than one year.
- How many funders does CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES have?
- IRS filings report 19 organizations giving $4,470,202 in grants to CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES, 9 of which have funded it in more than one year.
- Who is the largest funder of CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES?
- Marion and Henry Bloch Family Foundation is the largest funder on record, with $1,042,000 in grants. The full list of funders is on this page.
- How can an organization like CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Missouri. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Credit & Homeownership Empowerment Services →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2021–2025), and the filings of 19 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing