Center for Changing Lives EIN 36-3731388 Form 990 (PDF) Claim this org

Center for Changing Lives

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Empowering people to find opportunities, conquer challenges, and achieve their dreams. For fiscal year 2024 it reported $1.9M in revenue, $2.2M in expenses, and $660K in net assets.Pt I

Type
Public charity (501(c)(3)) · Housing
Location
Chicago, IL
Website
cclconnect.org
Filings
6 on file (2019–2024)
Revenue
$1.9MFY2024
Expenses
$2.2M
Net assets
$660K
People
12
Filings
6
Updates
0
More identity details & actions ⌄
EIN  36-3731388 Public charity (501(c)(3)) Chicago, IL
Form 990 (PDF)
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Figures match the IRS filing checked 9/11/26 · see original: IRS
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Size
$1–10M
What they do
Empowering people to find opportunities, conquer challenges, and achieve their dreams.
Leadership
Juliana Gonzalez-Crussi · President & CEO · $136K
Money in and out
$1.9M revenue, $2.2M expenses
Bottom line
61% program efficiency
Where the money goes · FY2024
Total revenue
$1.9M
Pt VIII · Ln 12
Total expenses
$2.2M
Pt IX · Ln 25
Net assets
$660K
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): −$346K
Where spending went · Part IX cols B–D
Program services $0.61 Management & general $0.29 Fundraising $0.10
Program efficiency
61%
of spending reaches programs▲ +1% vs prior filing year
Operating runway
1.8mo
months of highly liquid reserves at operating expense rate▼ -51% vs prior filing year
Surplus margin
-19%
revenue over expenses, this year▼ -3% vs prior filing year

Summary of the Filing

Part I · fiscal year 2024 · Form 990
Revenue
$1.9M
FY2024▲ +19%
Expenses
$2.2M
FY2024▲ +20%
Total assets
$1.1M
FY2024▼ -6%
Total liabilities
$402K
FY2024▲ +168%
Total revenue
$1.9M
Pt VIII · Ln 12
Total expenses
$2.2M
Pt IX · Ln 25
Net assets
$660K
Pt X · Ln 32
Revenue less expensesPt I · Ln 19−$346K
Total assetsPt X · Ln 16$1.1M
Program-expense ratioPt IX · col B61%
Voting members of governing bodyPt I · Ln 38
Independent voting membersPt I · Ln 48
Mission & Programs · Part III

Where the work happens

3 program services account for $1.0M of program spending, described in the organization's own filed words · FY2024.
01

Employment Coaching Program

CCLS employment preparation and placement program works to support participants as they work to achieve employment in the short-term and career advancement in the long-term. One on one employment coaching includes: job readiness training, digital literacy training, assessment and goal setting, resume and job application assistance, mock…

$350Kprogram expense
02

Outreach

Coaches work with members of the public to connect them to a spectrum of resources. Resources that may include,but are not limited to mainstream public benefits, networking opportunities, products or services or any other needed community support, assistance or resource that moves community members towards goal ATTAINMENT.THE goal of…

$350Kprogram expense
03

Housing Financial Coaching Program

Works to support participants as they work to achieve financial goals. CCL provides one on one and group financial coaching that focus on developing participants financial visions, outcomes, action plans and accountability structures, financial assessment and mobilization and application of resources to the financial action plans…

$341Kprogram expense

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Identity & Classification

Form 990 Header · IRS Business Master File
Legal nameHdr · item CCenter for Changing Lives
EINHdr · item D36-3731388
Principal addressHdr · item CChicago, IL
WebsiteHdr · item Jcclconnect.org
Year of formationHdr · item Lpending
State of legal domicileHdr · item MIL
Exempt statusHdr · item I501(c)(3) · active
NTEE classificationIRS BMFHousing (L410)
Ruling yearIRS BMFSep 1994

Governance & Policies

Part VI
Voting members of the governing bodyPt VI · Ln 1a8
Independent voting membersPt VI · Ln 1b8
Conflict-of-interest policyPt VI · Ln 12aYes
Whistleblower policyPt VI · Ln 13Yes
Document retention policyPt VI · Ln 14Yes
CEO/top-official compensation independently reviewedPt VI · Ln 15aYes
Family or business relationships among officers/directorsPt VI · Ln 2No

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation
$135,505Pt VII · Sec A
Director of Finance and Business Strategy
$109,130Pt VII · Sec A
Senior Director of Program and Operations Strategy
$98,058Pt VII · Sec A
Director of Development & Communications
$93,653Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Board President
$0Pt VII · Sec A
$0Pt VII · Sec A

Juliana Gonzalez-Crussi’s $136K as President & CEO is at the 63rd percentile of top reported officer pay among 2025 $1–10M housing 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 · 4 named individuals · Part VII

NameFY2024FY2023FY2022FY2021FY2020FY2019
Juliana Gonzalez-Crussi$135,505$137,926$113,376$89,323$85,856$82,456
Nicole Comer$109,130
Natalie Zayas$98,058
Paula Cripps-Vallejo$93,653

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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Statement of Revenue

Part VIII
Contributions & grants$1.8M · 99%
Program service revenue$14K · 1%
Contributions & grants99%$1.8M
Program service revenue1%$14K
Investment income$726
Other revenue$200
— government grantsLn 1e$833K
Total revenueLn 12$1.9M

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Program services $0.61 Management & general $0.29 Fundraising $0.10
Program services61%$1.3M
Management & general29%$649K
Fundraising10%$220K
Total functional expensesLn 25$2.2M

Balance Sheet

Part X · end of year
CashLn 1$334K
Total assetsLn 16$1.1M
Total liabilitiesLn 26$402K
Total net assetsLn 32$660K
Months of cash on handcomputed1.8

Financial Metrics

Form 990 · FY2024 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $334K · Operating expenses/yr $2.2M
1.8 months
Where the money goes
Program services
Program services $1.3M · Total expenses $2.2M
61%
Management & General
Management & general $649K · Total expenses $2.2M
29%
Fundraising
Fundraising $220K · Total expenses $2.2M
10%
Cost to raise $1
Fundraising expense (3-yr avg) $166K · Solicited contributions (3-yr avg) $909K
$0.18 to raise $1 (3-yr avg)
Where the money comes from
Contribution dependence
Contributions & grants $1.8M · Total revenue $1.9M
99%
Government reliance
Government grants $833K · Total revenue $1.9M
45%
Earned-income share
Program service revenue $14K · Total revenue $1.9M
0.8%
Investment reliance
Investment income $726 · Total revenue $1.9M
+0.04%
Program self-sufficiency
Program service revenue $14K · Total expenses $2.2M
0.7%
Growth & trend
Revenue growth (YoY)
This year $1.9M · Prior year $1.6M
+19%
Revenue CAGR
FY2019 $637K · FY2024 $1.9M
+24%
Net-asset trend (YoY)
End of year $660K · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $1.9M · Expenses $2.2M
-19%
Liabilities-to-Assets
Total liabilities — · Total assets $1.1M
Net-asset ratio
Net assets $660K · Total assets $1.1M
62%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) — · Other securities (Pt X, ln 12) — · Total assets (Pt X, ln 16) $1.1M
Excludes program-related investments (Pt X, ln 13)
People & payroll
Highest Reported Total Compensation
Individual Juliana Gonzalez-Crussi · Reported title PRESIDENT & CEO · Highest reported compensation $136K · Total expenses $2.2M
6%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $1.8M · Total expenses $2.2M
80%
Peer comparison

Same NTEE category, revenue band, and state where available. Descriptive — not a grade.

MetricThis orgPeer medianPercentile
Program ratio 61%
Overhead ratio 29%
Fundraising cost ratio 12%
Revenue growth 19%
Legal fee ratio 0.2%
Accounting fee ratio 0.7%

Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.

Grants

Schedule I · funders on record
Grants received · FY2025
Total grants receivedfrom 1 funder$20K

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Filings & Schedule Manifest

Part IV
III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
FY2024 (Latest)$1.9M revenue · viewing · ⤓ 990 PDF
FY2023$1.6M revenue · ⤓ 990 PDF
FY2022$1.3M revenue · ⤓ 990 PDF
FY2021$1.2M revenue · ⤓ 990 PDF
FY2020$1.4M revenue · ⤓ 990 PDF
FY2019$637K revenue · ⤓ 990 PDF

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2024IRS
Classification, formation year, addressIRS Business Master File
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