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Cross Community INC FY2022 filing

Tax-deductible

South Bend, IN501(c)(3)Since 2016Community DevelopmentEIN 81-4477516Revenue $209K in FY2022

On file with the IRS707 Sherman Ave, 46616-1260 · South Bend, INTax-exempt since Oct 2019Publicly supported charity — 170(b)(1)(A)(vi)

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Building affordable housing for the community

501(c)(3) charity; gifts are tax-deductible.
98¢ of each $1 spent went to programs.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX

Before you give

FY2022 · 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
2 of 4
filings with a surplus
Average surplus $2K a year · under 1% of revenue · last 4 filings
Worth a look: a surplus in 2 of the last 4 filings.
Pt I · Ln 19 · 4 filings
Spent on programs
98%
of spending
Looks good: 98% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Cash reserves
1 mo
of spending, in cash
Fine: 1.3 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$59K
121% of total assets
Concern: liabilities are 121% of assets; over 80%.
Pt X · Ln 26
Independent board members
0
of 6 voting members
Concern: none of 6 voting members are independent.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$209K
Spent
$213K
To programs
98%
Net assets
−$10K
By yearFY2022–FY2025
Revenue
$209K
FY2022
Tap a bar for its year
Revenue by fiscal year
FY2022$209K
FY2023$274K
FY2024$521K
FY2025$451K
Expenses
$213K
FY2022
Tap a bar for its year
Expenses by fiscal year
FY2022$213K
FY2023$190K
FY2024$693K
FY2025$352K
Net assets
−$10K
FY2022
Tap a bar for its year
Net assets by fiscal year
FY2022−$10K
FY2023$91K
FY2024−$81K
FY2025$17K

From the FY2022 Form 990 · see the original

Form 990 (PDF) Claim
You’re viewing the FY2022 filing — not the latest on file. See the latest (FY2025) →

Is it real?

Yes. Exemption reinstated (2019-05-15). Per the IRS revocation list. Latest filing on record: FY2025. IRS ruling in Oct 2019.

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

Where the money goes

98 cents of each dollar spent went to programs.

Program services 98% · $208K Management & general 2% · $5K

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

6 people listed on the 990.

Part VII, Section A · reportable compensation
$0Pt VII · Sec A
John Tugman
Board Secretary
$0Pt VII · Sec A
Chad Addie
Board Member
$0Pt VII · Sec A
James Lutaaya
Board Member
$0Pt VII · Sec A
Lauren Feece
Board Member
$0Pt VII · Sec A
Brian Cherry
Board Member
$0Pt VII · Sec A
See Cross Community INC executive salaries →

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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

Builds affordable homes for local residents.

Questions for Cross Community INC

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Provided by the organization

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2 programs · $208K · in their own filed words · FY2022
01

Building affordable housing for community

$208Kprogram expense
02

Community Education Services

Pt IX · col B

By the numbers

The FY2022 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$209K
Ln 12
Fees for servicesLn 2g$209K
Money outPt IX
$213K
Ln 25
Programscol B$208K
Managementcol C$5K
Owns and owesPt X
−$10K
net assets · Ln 32
Cash and savingsLn 1–2$22K
Total assetsLn 16$49K
LiabilitiesLn 26$59K
PeoplePt VI, VII
6
listed · VII A
PaidVII A0
Voting boardVI 1a6
IndependentVI 1b0
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$209K
Total revenueLn 12$209K
Assets in detailPt X, end of year
CashLn 1$22K
Cash and savings togetherLn 1–2$22K
Land, buildings, equipmentLn 10c$26K
Total assetsLn 16$49K
LiabilitiesLn 26$59K
Net assetsLn 32−$10K
OperationsPt I, VI
EmployeesI 50
VolunteersI 66
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY22End FY22
Cash and savingsLn 1–2$41K$22K
Land, buildings, equipmentLn 10c$3K$26K
Total assetsLn 16$44K$49K
LiabilitiesLn 26$28K$59K
Net assetsLn 32$16K−$10K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
InterestLn 20$4K$4K
Other expenses (24a–d)Ln 24$1K$1K
All other expensesLn 24e$208K$208K
Total functional expensesLn 25$213K$208K$5K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $451K$352K$99K$17K 990 PDF
FY2024 $521K$693K−$172K−$81K 990 PDF
FY2023 $274K$190K$84K$91K 990 PDF
FY2022 Viewing $209K$213K−$4K−$10K 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2022 990 (6 parts)
Part I · Summary $209,022 revenue, 12 lines filed
I-8 Contributions and grants$0
I-9 Program service revenue$209,022
I-10 Investment income$0
I-11 Other revenue$0
I-12 Total revenue$209,022
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefits$0
I-16a Professional fundraising fees$0
I-17 Other expenses$213,230
I-18 Total expenses$213,230
I-19 Revenue less expenses−$4,208
Part VI · Governance 0 of 6 board members independent, no flags
VI-1a Voting members of the governing body6
VI-1b Independent voting members0
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $209,022 across 2 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $209,022$209,022
VIII-12 Total revenueRelated to mission $209,022$209,022
Part IX · Statement of functional expenses $213,230 across 3 lines filed
IX-20 InterestManagement $3,848$3,848
IX-24 Other expenses (24a–d)Management $1,077$1,077
IX-24e All other expensesPrograms $208,305$208,305
IX-25 Total functional expensesPrograms $208,305 · Management $4,925 · Fundraising $0$213,230
Part X · Balance sheet $48,517 assets, 7 lines filed
X-1 Cash, non-interest-bearingStart of year $40,904$22,217
X-10c Land, buildings and equipment, netStart of year $3,100$26,300
X-16 Total assetsStart of year $44,004$48,517
X-24 Unsecured notes and loans payableStart of year $25,000$23,579
X-26 Total liabilitiesStart of year $27,898$58,579
X-32 Total net assets or fund balancesStart of year $16,106−$10,062
X-33 Total liabilities and net assetsStart of year $44,004$48,517
Part XI · Reconciliation of net assets −$10,062 net assets at year end
XI-1 Total revenue$209,022
XI-2 Total expenses$213,230
XI-3 Revenue less expenses−$4,208
XI-4 Net assets at start of year$16,106
XI-9 Other changes in net assets−$21,960
XI-10 Net assets at end of year−$10,062

Form 990 e-file (XML) FY2022 from the IRS · Classification, formation year and address from the IRS Business Master File

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