Oregon · Nonprofit
INNOVATIVE CHANGES
INNOVATIVE CHANGES (Oregon) receives grants from 7 organizations whose IRS filings report $180,612 to it, the largest being THE OREGON COMMUNITY FOUNDATION ($55,000). 3 of them have funded it in more than one year.
- Revenue FY2020
- $136k
- Funders on record
- 7
- Grants received
- $181k
- Net assets
- $-178016
What Innovative Changes does
Mission
Our mission is to help people build their long-term financial health. Our vision is a society where all people have access to safe, affordable financial products and services and the ability to use them well. Our guiding principles work to advance economic justice for those disenfranchised and excluded by the mainstream financial services sector, celebrate the diverse cultures of our communities by implementing culturally responsive programming and we commit to building a strong, financially sustainable organization.
As stated on its FY2020 Form 990-EZ.
Program
Lending - Innovative Changes provides responsible small-dollar consumer loans to help borrowers who are experiencing financial emergencies, housing choice voucher holders needing security deposits, and those preparing for asset building opportunities. Since our inception in early 2010 through fiscal year 2020 we originated 1303 small dollar loans, including 508 opportunity and public loans, 635 credit builder loans, 40 emergency and covid relief loans, 20 loans for survivors of domestic violence, 7 loans for adaptive technology, and 93 loans for moving costs for section 8 housing choice voucher holders.
The first program described on its most recent Form 990-EZ.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2019 to 2020, from $518k to $368k (−29%).
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: 2019 22%. Grants only. Government contracts and fees sit inside program revenue.
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 4 of the last 4 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 → 2020: the base narrowed from 3 funders to 2 funders, grant income fell $25k → $21k.
1 of 7 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 30% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
Left out of every figure on this page: $55k from one payer (the payer shares this organization's board, largest Community and Shelter Assistance Corp). These are real filings, and they are not money INNOVATIVE CHANGES raised.
From the IRS filings of INNOVATIVE CHANGES’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
INNOVATIVE CHANGES leans on a few funders — its largest provides 30% of grant income and the top three 75%; half comes from just 2 funders.
the vertical line marks half of all grant income — 2 funders to its left
47% 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 INNOVATIVE CHANGES.
Largest funder’s share by year: 2017 40% · 2018 44% · 2019 44% · 2020 51% — growing more concentrated.
“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.
Where its funders are
92% of INNOVATIVE CHANGES's grant income comes from Oregon funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $55k arriving through sponsors registered in 1 state 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.
Government funding INNOVATIVE CHANGES receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $125k on record.
- Department of the Treasury$125k
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like INNOVATIVE CHANGES
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 Oregon
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Public support
78%
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 INNOVATIVE CHANGES: 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 INNOVATIVE CHANGES?
- INNOVATIVE CHANGES (Oregon) receives grants from 7 organizations whose IRS filings report $180,612 to it, the largest being THE OREGON COMMUNITY FOUNDATION ($55,000). 3 of them have funded it in more than one year.
- How many funders does INNOVATIVE CHANGES have?
- IRS filings report 7 organizations giving $180,612 in grants to INNOVATIVE CHANGES, 3 of which have funded it in more than one year.
- Who is the largest funder of INNOVATIVE CHANGES?
- THE OREGON COMMUNITY FOUNDATION is the largest funder on record, with $55,000 in grants. The full list of funders is on this page.
- How can an organization like INNOVATIVE CHANGES find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Oregon. 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 Innovative Changes →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2020 (financials across 2017–2020), and the filings of 7 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