Nonprofit · EIN 85-4176243
THE SAVINGS COLLABORATIVE
Tax-exempt · CARBONDALE, CO 81623
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $1,033,390 | $990,326 | $43,064 | $4,018,006 | $2,404,098 | $1,613,908 |
| December 31, 2024 | 990 | $1,800,395 | $807,004 | $993,391 | $3,585,549 | $1,866,297 | $1,719,252 |
| December 31, 2023 | 990 | $567,976 | $586,410 | -$18,434 | $2,370,764 | $1,668,483 | $702,281 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $790,890
- of which government grants
- $229,832
- Program service revenue
- $242,500
- Investment income
- $0
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $148,460
- Other salaries and wages
- $311,324
- Salaries, compensation and benefits (total)
- $589,518
- Professional fundraising fees
- $7,657
- Legal fees
- $22,892
- Accounting fees
- $8,133
- Depreciation
- $33,001
- Program services (functional)
- $796,405
- Management and general (functional)
- $130,689
- Fundraising (functional)
- $63,232
Balance sheet and other
- Total assets, start of year
- $3,585,549
- Total assets, end of year
- $4,018,006
- Total liabilities, end of year
- $2,404,098
- Net assets, end of year
- $1,613,908
- Publicly traded securities
- $2,407,578
- Net assets without donor restrictions
- $1,587,834
- Net assets with donor restrictions
- $26,074
- Gross receipts
- $1,033,390
- Employees
- 6
- Volunteers
- 12
- Year formed
- 2021
- State of legal domicile
- CO
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Barbara Freeman | Executive Director Trustee or director, Officer, Highest-paid employee | 60 | $148,460 |
| Maria Judith Alvarez | Director Trustee or director | 1 | $0 |
| Reginald Berry | President Trustee or director, Officer | 2 | $0 |
| Yana Ricart | Director Trustee or director | 1 | $0 |
| Jon Fox-Rubin | Treasurer Trustee or director, Officer | 1.5 | $0 |
| Vincent Calluzzo | Director Trustee or director | 1 | $0 |
| Carol Thurman | Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 8 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Barbara Freeman | Executive Director Trustee or director, Officer, Highest-paid employee | 60 | $131,186 |
| Iliana Renteria | Director Trustee or director | 20 | $20,001 |
| Maria Judith Alvarez | Director Trustee or director | 1 | $0 |
| Reginald Berry | President Trustee or director, Officer | 2 | $0 |
| Cindy Kahn | Secretary Trustee or director, Officer | 1 | $0 |
| Yana Ricart | Director Trustee or director | 1 | $0 |
| Jon Fox-Rubin | Treasurer Trustee or director, Officer | 1.5 | $0 |
| Vincent Calluzzo | Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 8 people
| Name | Title | Hours / week | Compensation | From related orgs |
|---|---|---|---|---|
| Barbara Freeman | Executive Director Trustee or director, Highest-paid employee | 60 | $132,351 | $0 |
| Iliana Renteria | Director Trustee or director | 1 | $0 | $8,995 |
| Maria Judith Alvarez | Director Trustee or director | 1 | $0 | $0 |
| Reginald Berry | Director Trustee or director | 2 | $0 | $0 |
| Cindy Kahn | Director Trustee or director | 1.5 | $0 | $0 |
| Yana Ricart | Director Trustee or director | 1 | $0 | $0 |
| Jon Fox-Rubin | Director Trustee or director | 1.5 | $0 | $0 |
| Vincent Calluzzo | Director Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 959 CEDAR CRK, CARBONDALE, CO 81623-3111
- In care of
- % BARBARA FREEMAN
- Principal officer (990 for 2025)
- Barbara Freeman, 959 Cedar Creek, Carbondale, CO 81623
- Signed the 990
- Barbara Freeman, Executive Director
- Phone
- (970) 379-4234
- Return prepared by
- KEN RANSFORD PC
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.
Program accomplishments
- 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.Expenses $796,405 · revenue $790,890
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 85-4176243
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2021
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $4,018,006
- Income (IRS master file)
- $1,033,390
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $1,033,390 | $990,326 | $4,018,006 | IRS |
| 990 | December 2024 | $1,800,395 | $807,004 | $3,585,549 | IRS |
| 990 | December 2023 | $567,976 | $586,410 | $2,370,764 | XML |
| 990 | December 2022 | $425,628 | $512,498 | $2,049,315 | IRS |
| 990 | December 2021 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 85-4176243).
Questions about THE SAVINGS COLLABORATIVE
- What is the EIN of THE SAVINGS COLLABORATIVE?
- The employer identification number (EIN) of THE SAVINGS COLLABORATIVE is 85-4176243.
- Is THE SAVINGS COLLABORATIVE tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2021.
- Are donations to THE SAVINGS COLLABORATIVE tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does THE SAVINGS COLLABORATIVE file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of THE SAVINGS COLLABORATIVE due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did THE SAVINGS COLLABORATIVE last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of THE SAVINGS COLLABORATIVE?
- The 990 for the year ended December 31, 2025 names Barbara Freeman.
- Who are the officers and directors of THE SAVINGS COLLABORATIVE?
- The 990 for the year ended December 31, 2025 lists 7 people; 1 received compensation from the organization, the highest $148,460 (Barbara Freeman, Executive Director).
- How much revenue does THE SAVINGS COLLABORATIVE have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $1,033,390, expenses of $990,326 and total assets of $4,018,006 at year end.
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