Guiding Star Cedar Valley EIN 81-3954460 Form 990 (PDF) Claim this org

Guiding Star Cedar Valley

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Provides comprehensive, affordable healthcare empowering women, embracing children, and enriching families. For fiscal year 2025 it reported $236K in revenue, $269K in expenses, and $46K in net assets.Pt I

Type
Public charity (501(c)(3)) · Nonprofit
Location
Waterloo, IA
Website
www.guidingstarcedarvalley.org
Filings
5 on file (2021–2025)
Revenue
$236KFY2025
Expenses
$269K
Net assets
$46K
People
7
Filings
5
Updates
0
More identity details & actions ⌄
EIN  81-3954460 Public charity (501(c)(3)) Waterloo, IA
Form 990 (PDF)
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Size
$100K–1M
What they do
Provides comprehensive, affordable healthcare empowering women, embracing children, and enriching families.
Leadership
Amy Dall · Executive Director · $71K
Money in and out
$236K revenue, $269K expenses
Bottom line
100% program efficiency
Where the money goes · FY2025
Total revenue
$236K
Pt VIII · Ln 12
Total expenses
$269K
Pt IX · Ln 25
Net assets
$46K
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): −$33K
Where spending went · Part IX cols B–D
Program services $1.00
Program efficiency
100%
of spending reaches programs0% vs prior filing year
Operating runway
2.1mo
months of highly liquid reserves at operating expense rate▼ -48% vs prior filing year
Surplus margin
-14%
revenue over expenses, this year▲ +17% vs prior filing year

Summary of the Filing

Part I · fiscal year 2025 · Form 990
Revenue
$236K
FY2025▲ +12%
Expenses
$269K
FY2025▲ +9%
Total assets
$46K
FY2025▼ -44%
Total liabilities
$421
FY2025▼ -91%
Total revenue
$236K
Pt VIII · Ln 12
Total expenses
$269K
Pt IX · Ln 25
Net assets
$46K
Pt X · Ln 32
Revenue less expensesPt I · Ln 19−$33K
Total assetsPt X · Ln 16$46K
Program-expense ratioPt IX · col B100%
Voting members of governing bodyPt I · Ln 36
Independent voting membersPt I · Ln 46

Identity & Classification

Form 990 Header · IRS Business Master File
Legal nameHdr · item CGuiding Star Cedar Valley
EINHdr · item D81-3954460
Principal addressHdr · item CWaterloo, IA
WebsiteHdr · item Jwww.guidingstarcedarvalley.org
Year of formationHdr · item Lpending
State of legal domicileHdr · item MIA
Exempt statusHdr · item I501(c)(3) · active
NTEE classificationIRS BMFNonprofit
Ruling yearIRS BMFApr 2015

Governance & Policies

Part VI
Voting members of the governing bodyPt VI · Ln 1a6
Independent voting membersPt VI · Ln 1b6
Conflict-of-interest policyPt VI · Ln 12aNo
Whistleblower policyPt VI · Ln 13No
Document retention policyPt VI · Ln 14No
CEO/top-official compensation independently reviewedPt VI · Ln 15aNo
Family or business relationships among officers/directorsPt VI · Ln 2No

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
Executive Director
$71,000Pt VII · Sec A
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
Vice-President
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
President
$0Pt VII · Sec A

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

NameFY2025FY2024FY2021
Amy Dall$71,000$53,000
Sarah Kopriva$35,371

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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Mission & Programs · Part III

Where the work happens

3 program services account for $269K of program spending, described in the organization's own filed words · FY2024.
01

The organization provides comprehensive and affordable healthcare for women and children.

$269Kprogram expense
02

The organization provides classes to the community, in the areas of our core pillars: pregnancy and childbirth, breastfeeding and post-partum, fertility awareness.

Pt IX · col B
03

The organization provides individualized fertility care classes led by fertility awareness based method educators.

Pt IX · col B

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Statement of Revenue

Part VIII
Contributions & grants$234K · 99%
Program service revenue$11K · 5%
Contributions & grants99%$234K
Program service revenue5%$11K
— government grantsLn 1e$37K
Total revenueLn 12$236K

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Program services $1.00
Program services100%$269K
Total functional expensesLn 25$269K

Balance Sheet

Part X · end of year
CashLn 1$46K
Total assetsLn 16$46K
Total liabilitiesLn 26$421
Total net assetsLn 32$46K
Months of cash on handcomputed2.1

Financial Metrics

Form 990 · FY2025 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $46K · Operating expenses/yr $269K
2.1 months
Where the money goes
Program services
Program services $269K · Total expenses $269K
100%
Management & General
Management & general $0 · Total expenses $269K
0%
Fundraising
Fundraising $0 · Total expenses $269K
0%
Cost to raise $1
Fundraising expense (3-yr avg) $0 · Solicited contributions (3-yr avg) $208K
Solicited contributions below reporting floor
Where the money comes from
Contribution dependence
Contributions & grants $234K · Total revenue $236K
99%
Government reliance
Government grants $37K · Total revenue $236K
16%
Earned-income share
Program service revenue $11K · Total revenue $236K
5%
Investment reliance
Investment income $0 · Total revenue $236K
0%
Program self-sufficiency
Program service revenue $11K · Total expenses $269K
4%
Growth & trend
Revenue growth (YoY)
This year $236K · Prior year $211K
+12%
Revenue CAGR
FY2020 $197K · FY2024 $236K
+5%
Net-asset trend (YoY)
End of year $46K · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $236K · Expenses $269K
-14%
Liabilities-to-Assets
Total liabilities — · Total assets $46K
Net-asset ratio
Net assets $46K · Total assets $46K
99%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) — · Other securities (Pt X, ln 12) — · Total assets (Pt X, ln 16) $46K
Excludes program-related investments (Pt X, ln 13)
People & payroll
Highest Reported Total Compensation
Individual Amy Dall · Reported title EXECUTIVE DIRECTOR · Highest reported compensation $71K · Total expenses $269K
26%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $214K · Total expenses $269K
80%
Peer comparison

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

MetricThis orgPeer medianPercentile
Program ratio 100%
Overhead ratio 0%
Fundraising cost ratio 0%
Revenue growth 12%
Accounting fee ratio 2%

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
Plus CharitiesFY2025$200
Total grants receivedfrom 1 funder$200

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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
FY2025 (Latest)$236K revenue · viewing · ⤓ 990 PDF
FY2024$211K revenue · ⤓ 990 PDF
FY2023$268K revenue · ⤓ 990 PDF
FY2022$215K revenue · ⤓ 990 PDF
FY2021$197K revenue · ⤓ 990 PDF

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2025IRS
Classification, formation year, addressIRS Business Master File
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