Colorado · Nonprofit
The Savings Collaborative
The Savings Collaborative (Colorado) receives grants from 15 organizations whose IRS filings report $2,700,103 to it, the largest being NPX CHARITABLE INC ($1,096,550). 6 of them have funded it in more than one year.
- Revenue FY2025
- $1.0M
- Funders on record
- 15
- Grants received
- $2.7M
- Net assets
- $1.6M
What The Savings Collaborative does
Mission
The Savings Collaborative helps low income people save through a secure mobile app. It pays rewards & favorable interest rates as incentives to save, issues loans at favorable interest rates, and coaches & educates about financial management.
As stated on its FY2025 Form 990.
Program
The Savings Collaborative has empowered thousands of lower-income families across Colorado to start saving and become financially literate. It provides loans for unexpected expenses and emergencies. It provides educational programs to develop the habit of saving and financial management skills.
$796,405 spent$790,890 earned by the program100% of program spending
The program described on its FY2025 Form 990. Program spending in total: $796,405.
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 2023 to 2024, from $2.4M to $3.6M (+51%).
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: 2022 2% · 2023 7% · 2024 5% · 2025 22%. Grants only. Government contracts and fees sit inside program revenue.
77% of The Savings Collaborative’s revenue is contributions — about as donation-reliant as the typical peer (81% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 2 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.
Chief executive
Barbara Freeman
Executive Director
As listed on its FY2025 Form 990.
Who funds it, year by year
2021 → 2023: the base broadened from 2 funders to 8 funders, grant income rose $131k → $1.4M.
6 of 15 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 20% 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 The Savings Collaborative’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
The Savings Collaborative leans on a few funders — its largest provides 41% of grant income and the top three 68%; half comes from just 2 funders.
the vertical line marks half of all grant income — 2 funders to its left
68% 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 The Savings Collaborative.
Largest funder’s share by year: 2021 59% · 2022 39% · 2023 78% — 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
The Savings Collaborative draws 51% of its grant income from funders outside Colorado, across 2 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $535k arriving through sponsors registered in 2 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
The Savings Collaborative holds deeper cash reserves than three-quarters of the 7,349 human services nonprofits its size.
this organization peer median middle 50% of peers· 7,349 human services nonprofits $1M–$10M, FY2025
Organizations like The Savings Collaborative
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 Colorado
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
80% of spending goes to programs.
Governance
Public support
0%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Screen this organization
A dated, signed PDF of the compliance screen for The Savings Collaborative: 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 The Savings Collaborative?
- The Savings Collaborative (Colorado) receives grants from 15 organizations whose IRS filings report $2,700,103 to it, the largest being NPX CHARITABLE INC ($1,096,550). 6 of them have funded it in more than one year.
- How many funders does The Savings Collaborative have?
- IRS filings report 15 organizations giving $2,700,103 in grants to The Savings Collaborative, 6 of which have funded it in more than one year.
- Who is the largest funder of The Savings Collaborative?
- NPX CHARITABLE INC is the largest funder on record, with $1,096,550 in grants. The full list of funders is on this page.
- How can an organization like The Savings Collaborative find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Colorado. 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 Savings Collaborative →
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 15 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 22, 2026. What this page cannot tell you · view filing