CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES Charity Report

Tax-exempt status may be revoked

CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES

EIN 27-3693233 · Financial Counseling (P51)

What they do

Dedicated to Empowering Low to Moderate Income Individuals and Families With The Knowledge Skills and Confidence Necessary for Long-term Financial & Homeownership Success.

Before you give

Should I give to this charity?

Easy charity check

Stop and check first

This record may have an IRS status problem. Do not give until you verify it.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkThere may be a problem with its nonprofit status. Check before giving.

Money report from 2025The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders5 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

69.61%of revenue went to mission work96.4% of expenses · Program services

0.14%of revenue went to fundraising0.2% of expenses

$72.17spent for every $100 of revenueRevenue covered expenses this year.

2.42%of revenue went to management and office costs3.4% of expenses

$2.32in assets for every $1 spent this yearSome assets cannot be spent right away.

99.6%of its money came from giftsOther money may come from services or investments.

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What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $177,000 for COLEY WILLIAMS (PRESIDENT). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2025

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$3,483,870

Mission workProgram services$2,425,02569.61% of revenue96.4% of expenses

ManagementOffice and general costs$84,3942.42% of revenue3.4% of expenses

FundraisingAsking for donations$5,0000.14% of revenue0.2% of expenses

Revenue left after expensesReported annual surplus$969,45127.83% of revenueShown in gray on the chart

Total expenses$2,514,41972.17% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2025CurrentExpense mix: 96.4% mission · 3.4% management · 0.2% fundraisingTotal expenses: 72.17% of revenue

2024Expense mix: 99.1% mission · 0.9% management · 0.0% fundraisingTotal expenses: 78.42% of revenue

2023Expense mix: 99.4% mission · 0.6% management · 0.0% fundraisingTotal expenses: 78.08% of revenue

2022Expense mix: 98.2% mission · 1.8% management · 0.0% fundraisingTotal expenses: 88.93% of revenue

2021Expense mix: 0.0% mission · 2.8% management · 0.1% fundraisingTotal expenses: 63.92% of revenue

Money in and money out

Revenue$3,483,870

Expenses$2,514,419

Annual surplus $969,451 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$2,425,025 · 96.4% of expenses

Management and office costs$84,394 · 3.4% of expenses

Fundraising$5,000 · 0.2% of expenses

See all reported dollar amounts

Revenue$3,483,870

Expenses$2,514,419

Assets$5,841,417

Income$3,483,870

Contributions$3,471,535

Mission work (program services)$2,425,025

Fundraising$5,000

Management and general$84,394

Executive compensation (total)$125,752

Accounting fees$12,780

People

Leadership and board

Tax year 2025

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

COLEY WILLIAMSPRESIDENT · 50 hrs/week $177,000

RON FARMERVICE PRESIDENT · 50 hrs/week $177,000

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (5)

COLEY WILLIAMSPRESIDENT

RON FARMERVICE PRESIDENT

CYNTHIA ANDERSONSECRETARY

NICOLE HARPERBOARD MEMBER

RUBY ADAMSTREASURER

About this charity

Recognized since: January 2011
Location: 3125 GILLHAM PLZ, KANSAS CITY, MO 64109-1711
County: Jackson
In care of: % COLEY WILLIAMS
Primary officer: Ron Farmer, Vice President

How to reach them

Phone(816) 533-7417 Officer phone(816) 533-7138

Filing and classification

Latest tax year: 2025
Tax period began: January 1, 2025
Return type: 990
NTEE classification: Financial Counseling (P51)
IRS tax category: Financial Counseling
Revocation date: May 15, 2020