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Cross Community INC FY2024 filing

Tax-deductible

South Bend, IN501(c)(3)Since 2016Community DevelopmentEIN 81-4477516Revenue $521K in FY2024

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.
99¢ of each $1 spent went to programs.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX

Before you give

FY2024 · 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
99%
of spending
Looks good: 99% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Cash reserves
<1 mo
of spending, in cash
Concern: 0.0 months of spending in cash; under 2 weeks.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$305K
136% of total assets
Concern: liabilities are 136% of assets; over 80%.
Pt X · Ln 26
Independent board members
6
of 6 voting members
Looks good: 6 of 6 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$521K
+90% vs prior year
Spent
$693K
To programs
99%
Net assets
−$81K
By yearFY2022–FY2025
Revenue
$521K
FY2024▲ +90%
Tap a bar for its year
Revenue by fiscal year
FY2022$209K
FY2023$274K
FY2024$521K
FY2025$451K
Expenses
$693K
FY2024▲ +265%
Tap a bar for its year
Expenses by fiscal year
FY2022$213K
FY2023$190K
FY2024$693K
FY2025$352K
Net assets
−$81K
FY2024▼ -189%
Tap a bar for its year
Net assets by fiscal year
FY2022−$10K
FY2023$91K
FY2024−$81K
FY2025$17K

From the FY2024 Form 990 · see the original

Form 990 (PDF) Claim
You’re viewing the FY2024 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

99 cents of each dollar spent went to programs.

Program services 99% · $689K Management & general 1% · $4K

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

7 people listed on the 990.

Part VII, Section A · reportable compensation
Brian Cherry
Director
$0Pt VII · Sec A
Lauren Feece
Director
$0Pt VII · Sec A
Chad Addie
Director
$0Pt VII · Sec A
Matt Curry
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
Tina Patton
President
$0Pt VII · Sec A
James Lutaaya
Secretary
$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 2Yes
  • Top official's pay set by an independent reviewPt VI · Ln 15aNo
  • Loans to or from officersSch L · Pt II1 listed

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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1 program · $689K · in their own filed words · FY2024
01

Started construction on 5 homes and sold two

$689Kprogram expense

By the numbers

The FY2024 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$521K
Ln 12
Fees for servicesLn 2g$521K
Money outPt IX
$693K
Ln 25
Programscol B$689K
Managementcol C$4K
Owns and owesPt X
−$81K
net assets · Ln 32
Cash and savingsLn 1–2$670
Total assetsLn 16$224K
LiabilitiesLn 26$305K
PeoplePt VI, VII
7
listed · VII A
PaidVII A0
Voting boardVI 1a6
IndependentVI 1b6
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$521K
Total revenueLn 12$521K
Assets in detailPt X, end of year
CashLn 1$670
Cash and savings togetherLn 1–2$670
Total assetsLn 16$224K
LiabilitiesLn 26$305K
Net assetsLn 32−$81K
OperationsPt I, VI
EmployeesI 50
VolunteersI 66
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aNo
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$16K$670
Total assetsLn 16$513K$224K
LiabilitiesLn 26$422K$305K
Net assetsLn 32$91K−$81K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Accounting feesLn 11c$3K$3K
Other fees for servicesLn 11g$957$957
Other expenses (24a–d)Ln 24$689K$689K
Total functional expensesLn 25$693K$689K$4K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $451K$352K$99K$17K 990 PDF
FY2024 Viewing $521K$693K−$172K−$81K 990 PDF
FY2023 $274K$190K$84K$91K 990 PDF
FY2022 $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 FY2024 990 (6 parts)
Part I · Summary $520,685 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $3,000$0
I-9 Program service revenuePrior year $271,025$520,685
I-10 Investment income$0
I-11 Other revenue$0
I-12 Total revenuePrior year $274,025$520,685
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 expensesPrior year $189,630$693,059
I-18 Total expensesPrior year $189,630$693,059
I-19 Revenue less expensesPrior year $84,395−$172,374
Part VI · Governance 6 of 6 board members independent, 5 to look at
VI-1a Voting members of the governing body6
VI-1b Independent voting members6
VI-2 Family or business relationship among officers or directorsYes
VI-12a Written conflict of interest policyNo
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-15a Process for setting top official's payNo
Part VIII · Statement of revenue $520,685 across 2 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $520,685$520,685
VIII-12 Total revenueRelated to mission $520,685 · Unrelated business $0 · Excluded from tax $0$520,685
Part IX · Statement of functional expenses $693,059 across 3 lines filed
IX-11c Accounting feesManagement $3,275$3,275
IX-11g Other fees for servicesManagement $957$957
IX-24 Other expenses (24a–d)Programs $688,827$688,827
IX-25 Total functional expensesPrograms $688,827 · Management $4,232 · Fundraising $0$693,059
Part X · Balance sheet $223,660 assets, 8 lines filed
X-1 Cash, non-interest-bearingStart of year $15,678$670
X-8 Inventories for sale or useStart of year $497,446$222,990
X-16 Total assetsStart of year $513,124$223,660
X-24 Unsecured notes and loans payableStart of year $15,000$15,000
X-26 Total liabilitiesStart of year $422,123$305,033
X-27 Net assets without donor restrictionsStart of year $91,001−$81,373
X-32 Total net assets or fund balancesStart of year $91,001−$81,373
X-33 Total liabilities and net assetsStart of year $513,124$223,660
Part XI · Reconciliation of net assets −$81,373 net assets at year end
XI-1 Total revenue$520,685
XI-2 Total expenses$693,059
XI-3 Revenue less expenses−$172,374
XI-4 Net assets at start of year$91,001
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year−$81,373

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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