Creative Living is a nonprofit organization encouraging independent Living for adults with severe physical disabilities by providing wheelchair accessible housing and assistance and by creating a supportive environment for people to learn, work, live and contribute to the community.

501(c)(3) charity; gifts are tax-deductible.
80¢ of each $1 spent went to programs.
$68K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

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FY2023 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
5 of 6
filings with a surplus
Average surplus $214K a year · 23% of revenue · last 6 filings
Fine: a surplus in 5 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
80%
of spending
Looks good: 80% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$68K
to officers and key staff · 10% of spending
Looks good: pay to officers and key staff is 10% of spending; 15% or less.
Pt VII · Sec A
5 mo
of spending, in cash
Plus $2.7M in investments, Pt X · Ln 11–13
Looks good: 5.2 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
2
named funders · $50K
Fine: 2 funders name it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$311K
8% of total assets
Looks good: liabilities are 8% of assets; 50% or less.
Pt X · Ln 26
Independent board members
10
of 10 voting members
Looks good: 10 of 10 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$1.2M
+59% vs prior year
Spent
$705K
To programs
80%
Net assets
$3.5M
By yearFY2020–FY2025
Revenue
$1.2M
FY2023▲ +59%
Tap a bar for its year
Revenue by fiscal year
FY2020$1.2M
FY2021$760K
FY2022$722K
FY2023$1.2M
FY2024$1.0M
FY2025$615K
Expenses
$705K
FY2023▲ +6%
Tap a bar for its year
Expenses by fiscal year
FY2020$532K
FY2021$650K
FY2022$667K
FY2023$705K
FY2024$834K
FY2025$815K
Net assets
$3.5M
FY2023▲ +8%
Tap a bar for its year
Net assets by fiscal year
FY2020$3.5M
FY2021$3.8M
FY2022$3.2M
FY2023$3.5M
FY2024$3.9M
FY2025$4.0M

From the FY2023 Form 990 (year ending September 2023) · see the original

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You’re viewing the FY2023 filing — not the latest on file. See the latest (FY2025) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Dec 1971.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

80 cents of each dollar spent went to programs.

Program services 80% · $562K Management & general 11% · $80K Fundraising 9% · $62K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

14 people listed on the 990; $68K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2022); the FY2023 filing did not itemize Part VII
Executive Director
$68,239Pt VII · Sec A
President
$0Pt VII · Sec A
Past President
$0Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
Secretary (retired 2023)
$0Pt VII · Sec A
VP Facilities (retired 2023)
$0Pt VII · Sec A
VP Human Resources (retired 2023)
$0Pt VII · Sec A
VP Resident Relations
$0Pt VII · Sec A

Michael Lightbody’s $74K as Executive Director is at the 64th percentile of top reported officer pay among 2167 $100K–1M human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 2 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Michael Lightbody$73,523$9,423————
Robert Overs—$70,270$68,239$60,929$63,434$55,003

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Provides accessible rental housing for people with physical disabilities.

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Provided by the organization

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2 programs · $562K · in their own filed words · FY2022
01

Apartment rental for persons with physical disabilities.

$360Kprogram expense
02

Resident assistant program 20 to 25 resident assistants provide "assisted" independent living services to physically disabled persons residing in our specially built facilities.

$202Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · received and paid
Grants received · FY2025
Total grants receivedfrom 2 funders$50K
Grants paid · 6 grants · $770K · 2019–2024

By the numbers

The FY2023 990, line by line.

1The main four
Money inPt VIII
$1.2M
Ln 12
Gifts and grantsLn 1h$510K
Investment incomeLn 3$462K
Fees for servicesLn 2g$126K
Money outPt IX
$705K
Ln 25
Programscol B$562K
Managementcol C$80K
Fundraisingcol D$62K
Owns and owesPt X
$3.5M
net assets · Ln 32
Cash and savingsLn 1–2$303K
Total assetsLn 16$3.8M
LiabilitiesLn 26$311K
PeoplePt VI, VII
14
listed · VII A
PaidVII A1
Voting boardVI 1a10
IndependentVI 1b10
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$510K
Government grantsLn 1e$373K
Fundraising eventsLn 1c$58K
Fees for servicesLn 2g$126K
Investment incomeLn 3$462K
Other incomeLn 4–11$53K
Gains on assetsLn 7$358K
Total revenueLn 12$1.2M
Assets in detailPt X, end of year
CashLn 1$2K
SavingsLn 2$300K
Cash and savings togetherLn 1–2$303K
InvestmentsLn 11–13$2.7M
Land, buildings, equipmentLn 10c$562K
Other assetsLn 15$113K
Total assetsLn 16$3.8M
LiabilitiesLn 26$311K
Net assetsLn 32$3.5M
OperationsPt I, VI
EmployeesI 549
VolunteersI 640
Fiscal year endsHeaderSeptember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY23End FY23
Cash and savingsLn 1–2$470K$303K
InvestmentsLn 11–13$2.3M$2.7M
Land, buildings, equipmentLn 10c$596K$562K
Total assetsLn 16$3.5M$3.8M
LiabilitiesLn 26$307K$311K
Net assetsLn 32$3.2M$3.5M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$136K$136K
Pay of current officers, directors and key staffLn 5$74K$74K
Other salaries and wagesLn 7$53K$35$22K$31K
Other employee benefitsLn 9$32K$25K$3K$4K
Payroll taxesLn 10$21K$17K$2K$2K
Management feesLn 11a$19K$19K
Other fees for servicesLn 11g$13K$13K
Office expensesLn 13$14K$7K$4K$3K
OccupancyLn 16$43K$42K$2K
Conferences, conventions and meetingsLn 19$2K$1K$599$597
InterestLn 20$12K$10K$1K
Depreciation, depletion and amortizationLn 22$34K$33K$350
InsuranceLn 23$8K$5K$3K
Other expenses (24a–d)Ln 24$232K$209K$2K$21K
All other expensesLn 24e$12K$2K$10K
Total functional expensesLn 25$705K$562K$80K$62K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $615K$815K−$200K$4.0M 990 PDF
FY2024 $1.0M$834K$172K$3.9M 990 PDF
FY2023 Viewing $1.2M$705K$445K$3.5M 990 PDF
FY2022 $722K$667K$56K$3.2M 990 PDF
FY2021 $760K$650K$111K$3.8M 990 PDF
FY2020 $1.2M$532K$703K$3.5M 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2023 990 (6 parts)
Part I · Summary $1,150,019 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $446,764$510,038
I-9 Program service revenuePrior year $119,910$125,783
I-10 Investment incomePrior year $151,407$461,692
I-11 Other revenuePrior year $4,354$52,506
I-12 Total revenuePrior year $722,435$1,150,019
I-13 Grants and similar amounts paidPrior year $79,500$135,600
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $170,703$180,260
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $416,346$388,885
I-18 Total expensesPrior year $666,549$704,745
I-19 Revenue less expensesPrior year $55,886$445,274
Part VI · Governance 10 of 10 board members independent, 1 to look at
VI-1a Voting members of the governing body10
VI-1b Independent voting members10
VI-14 Document retention and destruction policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $1,150,019 across 10 lines filed
VIII-1c Fundraising events$57,770
VIII-1e Government grants$373,074
VIII-1f All other contributions, gifts and grants$79,194
VIII-1h Total contributions, gifts and grants$510,038
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $125,783$125,783
VIII-3 Investment incomeExcluded from tax $103,623$103,623
VIII-7 Net gain or loss on sales of assetsExcluded from tax $358,069$358,069
VIII-8 Net income from fundraising eventsExcluded from tax $50,972$50,972
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $1,534$1,534
VIII-12 Total revenueRelated to mission $127,317 · Unrelated business $0 · Excluded from tax $512,664$1,150,019
Part IX · Statement of functional expenses $704,745 across 15 lines filed
IX-1 Grants to domestic organizationsPrograms $135,600$135,600
IX-5 Pay of current officers, directors and key staffPrograms $73,501$73,501
IX-7 Other salaries and wagesPrograms $35 · Management $22,024 · Fundraising $31,403$53,462
IX-9 Other employee benefitsPrograms $24,752 · Management $2,696 · Fundraising $4,420$31,868
IX-10 Payroll taxesPrograms $17,342 · Management $1,686 · Fundraising $2,401$21,429
IX-11a Management feesManagement $18,897$18,897
IX-11g Other fees for servicesManagement $12,517$12,517
IX-13 Office expensesPrograms $7,223 · Management $3,553 · Fundraising $2,747$13,523
IX-16 OccupancyPrograms $41,623 · Management $1,840$43,463
IX-19 Conferences, conventions and meetingsPrograms $1,198 · Management $599 · Fundraising $597$2,394
IX-20 InterestPrograms $10,288 · Management $1,351$11,639
IX-22 Depreciation, depletion and amortizationPrograms $33,255 · Management $350$33,605
IX-23 InsurancePrograms $5,475 · Management $2,794$8,269
IX-24 Other expenses (24a–d)Programs $209,372 · Management $2,393 · Fundraising $20,699$232,464
IX-24e All other expensesPrograms $2,331 · Management $9,783$12,114
IX-25 Total functional expensesPrograms $561,995 · Management $80,483 · Fundraising $62,267$704,745
Part X · Balance sheet $3,772,289 assets, 15 lines filed
X-1 Cash, non-interest-bearingStart of year $20,448$2,321
X-2 Savings and temporary cash investmentsStart of year $449,448$300,285
X-4 Accounts receivableStart of year $1,844$57,264
X-9 Prepaid expenses and deferred chargesStart of year $2,530$2,598
X-10c Land, buildings and equipment, netStart of year $595,893$562,288
X-13 Program-related investmentsStart of year $2,341,945$2,734,453
X-15 Other assetsStart of year $105,780$113,080
X-16 Total assetsStart of year $3,517,888$3,772,289
X-17 Accounts payable and accrued expensesStart of year $22,357$21,785
X-25 Other liabilitiesStart of year $5,103$5,493
X-26 Total liabilitiesStart of year $306,755$311,466
X-27 Net assets without donor restrictionsStart of year $3,211,133$3,370,823
X-28 Net assets with donor restrictions$90,000
X-32 Total net assets or fund balancesStart of year $3,211,133$3,460,823
X-33 Total liabilities and net assetsStart of year $3,517,888$3,772,289
Part XI · Reconciliation of net assets $3,460,823 net assets at year end
XI-1 Total revenue$1,150,019
XI-2 Total expenses$704,745
XI-3 Revenue less expenses$445,274
XI-4 Net assets at start of year$3,211,133
XI-5 Net unrealized gains (losses) on investments−$195,584
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$3,460,823

Form 990 e-file (XML) FY2023 from the IRS · Classification, formation year and address from the IRS Business Master File

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