2026-06-23T06:40:24-07:00 2025-12-31 201403280 FULTON & KOZAK LLC 7187 JONESBORO RD STE 100A MORROW GA 30260 990 2025-01-01 954378084 OPERATION HOPE INC OPER 4049412919 191 PEACHTREE STREET NE 3840 ATLANTA GA 30303 BRIAN BETTS PRESIDENT/CFO 2026-06-22 true SHEILA M KOZAK CPA P00687026 7709614200 2025 2025-03-06 01:10:19Z BRIAN BETTS 191 PEACHTREE STREET NE 3840 ATLANTA GA 30303 34530212 false X WWW.OPERATIONHOPE.ORG X 1992 CA Operation HOPEs mission is to expand economic opportunity in underserved communities through financial education and empowerment by offering programs that create stabilized communities and financial stakeholders. 11 10 465 2261 0 57075058 31836515 0 291309 308743 0 57366367 32145258 1189228 1058413 0 32210282 33292799 0 2487507 8890177 9314155 42289687 43665367 15076680 -11520109 56346064 44434179 6809484 6415953 49536580 38018226 X Operation HOPEs mission is to expand economic opportunity in underserved communities through financial education and empowerment by offering programs that create stabilized communities and financial stakeholders. false false 27428430 HOPE INSIDE - HOPE Inside gives clients the resources to improve their financial situations. Through our 700-credit score initiative, we approve clients as soon as they seek assistance, commit to the resolution of primary credit denial factors, and raised FICO scores an average of 39 points. Programs offered: Financial Literacy Workshops, Entrepreneurial Training and counseling for Foreclosure Prevention, Money Management, Homeownership, Small Business, and Credit & Money Management. In 2025, HOPE provided 333,723 adult services and expanded our HOPE Inside network to 345 locations. Our clients achieved the following: Increased savings by $1,000 and reduced debt by $1,933. 3993720 25935 1MBB HOPEs 1 Million Black Businesses initiative (1MBB) provides the black community a successful path to wealth creation through sustainable and profitable business ownership. 1MBB participants can take advantage of coaching and educational services, access to expert volunteers and more. The 1MBB Initiative is an extension of the HOPE Small Business program with access to additional resources as made possible by support from key 1MBB partners. HOPEs team of dedicated Small Business Coaches can help entrepreneurs and new or existing small business owners identify their key needs and then provide the education, coaching and connections needed to improve their businesses. From program inception to date, HOPE has supported more than 469,896 unique black-owned businesses, which accounts for approximately 5% of all black-owned businesses in the U.S. 3396494 848452 Youth HOPEs Banking on our Future (BOOF) program has operated in 304 U.S. cities and 3 provinces in South Africa and has educated over 1 million youth. The program is the recipient of the 11th John Sherman Award for Financial Education given by the US Treasury Department. HOPEs Business in A Box Academies (HBIABA) is a national initiative to harness the economic energy of Youth and bring positive role models into underserved communities. HOPEs Child Savings Account (CSA) program provides qualifying Atlanta Public Schools (APS) kindergartners with a free savings account and a one-time deposit of $50. The savings accounts are a starting point reserved for expenses related to post-secondary education and career preparation. In 2025, HOPE impacted and serviced 11,272 youth and young adults. 813400 FL4A- HOPE Financial Literacy for All is a national initiative to embed financial literacy into American culture, led by a prominent group of leaders from business, sports, entertainment and nonprofit sectors. This 10-year initiative will reach millions of youths and working adults by making financial literacy fun, while engaging them where they live, work, and celebrate. 784088 28434 Disaster HOPE is a national partner of FEMA, addressing financial disaster preparedness, response, and recovery. Other disaster partners include the American Red Cross, the Economic Development Administration (EDA), corporations, and other volunteer organizations. Since 2001, HOPE has helped over 1.5 million individuals with pre-disaster financial preparedness and counseling, post disaster financial recovery, and FEMA application assistance to families affected in 148 major disasters across 30 states and Puerto Rico. In 2025, HOPE empowered 11,087 clients across the United States with the tools and resources needed to survive and thrive before and after a disaster. 223502 155592 CCAP - HOPEs Closing Cost Assistance Program (CCAP) provides closing cost assistance for clients in partnership with Fulton Bank. In 2025, the CCAP program helped clients get approved for $236,500 in closing cost assistance grants and securing more than $68.5 million in mortgage lending. Since inception, this partnership has assisted in allocating more than $10.7 million in down-payment assistance grants to help clients obtain more than 7,000 funded mortgage loans totaling more than $1.24 billion dollars. 1820990 184026 36639634 true true false false false false false false false false true false false false true true true false false false false false false false false false false false true true false false false false false false false false true false false false true false false false false true 886 0 false 465 true false true SF false false false true true false 0 false false false false false false false X 11 10 false false false false false false false true true false false true true true true true true true true false AL AR CA FL GA HI IL KS KY MA MD MI MN MS NH NJ NM NY OR PA RI SC TN UT VA WI WV X X X BRIAN BETTS PRESIDENT CFO 4049412920 191 PEACHTREE ST STE 3840 ATLANTA GA 30303 JOHN BRYANT Chairman/CEO 40.00 0.00 X X 774442 0 27116 BRIAN BETTS President & CFO 40.00 0.00 X 466956 0 20054 RACHEL DOFF CAO 40.00 0.00 X 319290 0 21485 KEVIN BOUCHER EVP, CHIEF COMM. & STRAT OFFICER 40.00 0.00 270058 0 20490 LANCE TRIGGS EVP, PRESIDENT HOPE PROGRAMS 40.00 0.00 270914 0 17687 MARY HAGERTY EHRSAM EVP, PRESIDENT, HOPE PARTNERSHIPS 40.00 0.00 236479 0 21132 JENNIFER WOLFORD CHIEF INNOVATION OFFICER 40.00 0.00 242948 0 7581 JENA ROSCOE SVP, GOVT RELATIONS & PUBLIC POLICY 40.00 0.00 192611 0 13714 RODRICK MCGREW CHIEF CULTURAL OFFICER 40.00 0.00 187682 0 2641 JAMES EBERHART CHIEF EXPERIENCE OFFICER 40.00 0.00 182428 0 6027 MARGO LUCERO CHIEF GROWTH & REVENUE OFFICER 40.00 0.00 172972 0 2423 KEITH HARRIS CHIEF PEOPLE OFFICER 0.00 0.00 171431 0 1665 MICHAEL SMITH SVP FINANCE & ACCT 40.00 0.00 149618 0 19502 WILLIAM FAIR DIRECTOR, BUS CUL 40.00 0.00 143849 0 19712 EVELYN DUCOULOMBIER SVP, C&C AFFAIRS 40.00 0.00 144723 0 15563 CREON SUTTON SVP, INFO TECH 40.00 0.00 138677 0 14121 JEANETTA WILLIAMS SVP, HR 40.00 0.00 123593 0 12720 KELLY COFFEY BOARD MEMBER 1.00 0.00 X 0 0 0 MICHAEL AROUGHETI BOARD MEMBER 1.00 0.00 X 0 0 0 BRYAN JORDAN BOARD MEMBER 1.00 0.00 X 0 0 0 TIM WELSH BOARD MEMBER 1.00 0.00 X 0 0 0 SARAH FRIAR BOARD MEMBER 1.00 0.00 X 0 0 0 JED YORK BOARD MEMBER 1.00 0.00 X 0 0 0 TIMOTHY WENNES BOARD MEMBER 1.00 0.00 X 0 0 0 BRAD HANSON BOARD MEMBER 1.00 0.00 X 0 0 0 FRANK MARTELL BOARD MEMBER 1.00 0.00 X 0 0 0 STEPHEN RYAN ESQ BOARD MEMBER 1.00 0.00 X 0 0 0 4188671 243633 28 false true false TOPTAL LLC 2810 N CHURCH ST 36879 WILMINGTON DE 19802 CONSULTATION 330128 IACC LLC 19032 SNOWBERRY COURT LEESBURG VA 20176 CONSULTATION 936326 PER SE MEDIA GROUP LLC 2221 PEACHTREE RD NE STE D510 ATLANTA GA 30309 PUBLIC RELATIONS 195173 MENDEL COMMUNICATIONS LLC 3 COLUMBUS CIRCLE NEW YORK NY 10019 PUBLIC RELATIONS 178500 FLYING FROG CONSULTANTS LLC 2985 GORDY PKWY MARIETTA GA 30066 CONSULTATION 168000 5 1289489 30547026 81595 31836515 0 156177 156177 0 0 0 750685 1786835 641235 1743719 109450 43116 152566 152566 0 0 0 0 32145258 308743 0 1058413 1058413 0 0 4432304 2203728 1331077 897499 0 24021174 21853732 1425963 741479 0 2747369 2410929 210773 125667 2091952 1774650 198986 118316 0 88851 3405 85446 74057 74057 0 0 0 3076404 2455401 503718 117285 277570 198136 67834 11600 1513489 1244537 155521 113431 0 0 434353 222677 210176 1500 1042200 692540 29238 320422 0 1593762 1593762 87420 87420 0 384217 312916 71301 346967 269929 54929 22109 TELECOMMUNICATION 364242 317656 28387 18199 IN-KIND GOODS 30623 27223 3400 0 43665367 36639634 4538226 2487507 1688828 1032975 5322962 3906236 43817493 36605827 0 0 0 0 0 203024 223672 4743950 4091175 2773811 652775 1128976 815243 0 0 0 1410970 1197451 56346064 44434179 4461131 5185312 853110 1495243 1230641 6809484 6415953 X -9578202 -9228956 59114782 47247182 49536580 38018226 56346064 44434179 -11520109 1755 X false true X true false X 45308407 38145680 37054555 57075058 31836515 209420215 0 0 45308407 38145680 37054555 57075058 31836515 209420215 54080820 155339395 5234 63709 593473 250598 156177 1069191 0 642 642 210490048 0.73800 0.77510 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 994290 860614 133676 3592785 3144576 448209 156875 85985 70890 652775 OPERATING LEASES LIABILITY 1230641 1230641 X 38354660 1755 6207647 6209402 32145258 32145258 49873014 6207647 6207647 43665367 43665367 Part X : FIN48 Footnote HOPEs application of ASC 740 regarding uncertain tax positions had no effect on its financial position as management believes HOPE has no material unrecognized income tax benefits, including any potential risk of loss of its not-for-profit status. HOPE would account for any potential interest or penalties related to possible future liabilities for unrecognized income tax benefits as income tax expense. HOPE is no longer subject to examination by federal, state or local tax authorities for periods before 2022. true 0 0 CLIENT ASSISTANCE-CCAP 134 149657 FMV CLIENT ASSISTANCE-HELPING HAND FUND 16 46238 FMV CLIENT INCENTIVE 3148 862518 FMV Grantmaker's Description of How Grants are Used FINANCIAL LITERACY PROGRAM GRADUATE INCENTIVE OPERATION HOPE PROVIDED SIX MONTHS OF FINANCIAL LITERACY AND EMPOWERMENT CURRICULUM THROUGH PERSONAL FINANCIAL COACHING FOR BUDGETING, SAVING, IMPROVING CREDIT SCORES, AND ESTABLISHING AND MANAGING CREDIT. IN ADDITION TO COMPLETING THE PROGRAM, GRADUATES ALSO RECEIVED $1,000 TO BEGIN SAVING, INVESTING, OR PAYING DOWN DEBT IN HONOR OF THEIR NEWLY LEARNED FINANCIAL LITERACY SKILLS. THE LIST OF GRADUATES AND SUPPORTING DOCUMENTION WAS PROVIDED BY OPERATION HOPE COACHES TO THE ACCOUNTING DEPARTMENT TO PROCESS PAYMENTS. THE CFO PROVIDED PAYMENT APPROVALS PRIOR TO DISTRIBUTION OF FUNDS.CHILD SAVINGS ACCOUNT - THE HOPE CHILD SAVINGS ACCOUNT (CSA) PROGRAM PROVIDES QUALIFYING ATLANTA PUBLIC SCHOOL (APS) KINDERGARTNERS WITH A FREE SAVINGS ACCOUNT AND A ONE-TIME DEPOSIT OF $50. THE SAVINGS ACCOUNT, MANAGED BY OPERATION HOPE, WILL BE A STARTING POINT FOR SAVINGS RESERVED FOR EXPENSES RELATED TO POST-SECONDARY EDUCATION AND CAREER PREPARATION. HOPE AND APS WILL WORK TOGETHER TO CREATE OTHER OPPORTUNITIES FOR ADDITIONAL INCENTIVE DEPOSITS. STUDENTS AND THEIR FAMILIES WILL BE ENCOURAGED TO ADD TO THE SAVINGS ACCOUNTS AS WELL. THE ELIGIBLE LIST OF STUDENTS IS PROVIDED BY APS TO THE DIRECTOR OF THE PROGRAM AND A SAVINGS ACCOUNT IS SETUP FOR EACH STUDENT. ACCOUNT STATUS, AS WELL AS CONTINUED ELIGIBILITY, IS MANAGED BY A THIRD-PARTY PORTAL PROVIDED BY THE BANKING INSTITUTION IN WHICH THE ACCOUNTS ARE DEPOSITED AND HELD. UPON GRADUATION FROM AN APS HIGHSCHOOL, THE ACCOUNTING DEPARTMENT WILL BE PROVIDED WITH ACCOUNT BALANCES AND SUPPORTING DOCUMENTATION TO REVIEW AND PROCESS PAYMENTS. CFO WILL APPROVE ALL PAYMENTS PRIOR TO DISTRIBUTION OF FUNDS.CCAP - OPERATION HOPE CREATED A PARTNERSHIP WITH FULTON FINANCIAL SERVICES TO PROVIDE DOWN PAYMENT AND CLOSING ASSISTANCE TO LOW AND MODERATE-INCOME INDIVIDUALS PURCHASING RESIDENTIAL REAL ESTATE. HOPE WILL ACCEPT REFERRALS FROM FULTON FINANCIAL OR OTHER SOURCES. THE PRIMARY GEOGRAPHICAL AREA INCLUDES BUT NOT LIMITED TO MARYLAND, NEW JERSEY, PENNSYLVANIA AND VIRGINIA. THE REFERRAL APPLICATIONS ARE REVIEWED BY A HOPE PROGRAM MANAGER TO DETERMINE ELIGIBILITY AND AMOUNT OF ASSISTANCE TO BE PROVIDED, WHICH RANGES FROM $1,000 TO $2,500. AN ACCEPTANCE LETTER IS GENERATED AND RETURNED TO THE REFERRAL SOURCE. THE REFERRAL PARTNER THEN PROVIDES WIRING INSTRUCTIONS FROM THE CLOSING ATTORNEY THROUGH SECURED EMAIL. HOPES ACCOUNTING DEPARTMENT WILL THEN CREATE A WIRE IN A BANK ACCOUNT MAINTAINED AT FULTON BANK. ONCE THE WIRE IS ENTERED, AN APPROVAL CODE IS SENT TO THE CFO. THE CFO WILL THEN APPROVE THE WIRE AND RELEASE OF FUNDS TO THE CLOSING ATTORNEY. X X true true X X X X false false false false false false false false false BRIAN BETTS President & CFO 384456 82500 10461 9593 487010 CREON SUTTON SVP, INFO TECH 128277 10400 4365 9756 152798 EVELYN DUCOULOMBIER SVP, C&C AFFAIRS 130773 13950 2886 12677 160286 JAMES EBERHART CHIEF EXPERIENCE OFFICER 165378 17050 5475 552 188455 JENA ROSCOE SVP, GOVT RELATIONS & PUBLIC POLICY 175111 17500 5939 7775 206325 JENNIFER WOLFORD CHIEF INNOVATION OFFICER 209948 33000 6889 692 250529 JOHN BRYANT Chairman/CEO 642442 132000 10500 16616 801558 KEITH HARRIS CHIEF PEOPLE OFFICER 155481 15950 1142 523 173096 KEVIN BOUCHER EVP, CHIEF COMM. & STRAT OFFICER 218758 51300 2570 17920 290548 LANCE TRIGGS EVP, PRESIDENT HOPE PROGRAMS 219914 51000 1424 16263 288601 MARGO LUCERO CHIEF GROWTH & REVENUE OFFICER 172972 1835 588 175395 MARY HAGERTY EHRSAM EVP, PRESIDENT, HOPE PARTNERSHIPS 197979 38500 4869 16263 257611 MICHAEL SMITH SVP FINANCE & ACCT 134918 14700 4781 14721 169120 RACHEL DOFF CAO 258790 60500 7777 13708 340775 RODRICK MCGREW CHIEF CULTURAL OFFICER 168782 18900 957 1684 190323 WILLIAM FAIR DIRECTOR, BUS CUL 131749 12100 3552 16160 163561 Part I, Line 1a: Relevant information in regards to selections on 1a. X 1 50972 FMV X HGF 5 30623 FMV false true false Form 990, Part VI, Section B, Line 11b THE 990 IS REVIEWED AND APPROVED BY THE CFO AND AUDIT COMMITTEE PRIOR TO SUBMISSION TO THE GOVERNING BOARD FOR FINAL APPROVAL BEFORE FILING. Form 990, Part VI, Section B, Line 12c Directors are required to submit conflict of interest questionnaires to the board's governance committee. Directors are also requested to notify the full board if any conflicts of interest arises between surveys. Form 990, Part VI, Section B, Line 15a the exec compensation committee of the board of directors reviews the compensation annually for the officers and executive leadership. Form 990, Part VI, Section B, Line 15b the exec compensation committee of the board of directors reviews the compensation annually for the officers and executive leadership. Form 990, Part VI, Section C, Line 19 THE ORGANIZATION'S ACCOUNTANT PROVIDES A COPY OF FORM 990 SPECIFICALLY FOR PUBLIC INSPECTION. THE ORGANIZATION POSTS A COPY OF FORM 990 TO the agency website,GUIDESTAR, and charity navigator along with making the return available upon request. HOPE ADVISORS LLC 191 PEACHTREE ST NE STE 3840 ATLANTA GA 30303 208380765 CONSULTING GA OPERATION HOPE INC OPERATION HOPE PROPERTIES LLC 191 PEACHTREE ST NE STE 3840 ATLANTA GA 30303 REAL ESTATE GA 46237 OPERATION HOPE INC false false false false false false false false false false false false false false false false false false false