Third Ladder provides grants to humanitarian organizations internationally through vetted grant distribution, facilitating a process that enables donors to be involved and intentional in their giving to create maximum impact for a wide reach of human need.

501(c)(3) charity; gifts are tax-deductible.
82¢ of each $1 spent went to programs.
Run by 1 volunteers and 3 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · 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
3 of 5
filings with a surplus
Average surplus $24K a year · 5% of revenue · last 5 filings
Worth a look: a surplus in 3 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
82%
of spending
Looks good: 82% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$123K
to officers and key staff · 24% of spending
Worth a look: pay to officers and key staff is 24% of spending; over 20%.
Pt VII · Sec A
1 mo
of spending, in cash
Fine: 1.1 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
4
named funders · $158K
Looks good: 4 funders name it on their filings; 3 or more.
Funders’ Sch. I, 990-PF
Liabilities
$5K
4% of total assets
Looks good: liabilities are 4% of assets; 50% or less.
Pt X · Ln 26
Independent board members
2
of 3 voting members
Looks good: 2 of 3 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$506K
-14% vs prior year
Spent
$517K
To programs
82%
Net assets
$123K
By yearFY2021–FY2025
Revenue
$506K
FY2025▼ -14%
Tap a bar for its year
Revenue by fiscal year
FY2021$215K
FY2022$384K
FY2023$488K
FY2024$587K
FY2025$506K
Expenses
$517K
FY2025▼ -11%
Tap a bar for its year
Expenses by fiscal year
FY2021$57K
FY2022$431K
FY2023$476K
FY2024$579K
FY2025$517K
Net assets
$123K
FY2025▼ -8%
Tap a bar for its year
Net assets by fiscal year
FY2021$158K
FY2022$114K
FY2023$126K
FY2024$134K
FY2025$123K

From the FY2025 Form 990 · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Nov 2021.

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

Where the money goes

82 cents of each dollar spent went to programs.

Program services 82% · $423K Management & general 10% · $49K Fundraising 9% · $44K

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

4 people listed on the 990; $123K paid to officers and key staff.

Part VII, Section A · reportable compensation
Executive Dir.
$63,667Pt VII · Sec A
$59,000Pt VII · Sec A
President
$0Pt VII · Sec A
Treasurer/Sec
$0Pt VII · Sec A

Naomi Zacharias’s $64K as Executive Dir. is at the 60th percentile of top reported officer pay among 1265 $100K–1M philanthropy & grantmaking 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

NameFY2025FY2024FY2023
Naomi Zacharias$63,667$62,000$50,227
Mallory Even$59,000$59,000$13,854

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.

See Third Ladder 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

Funds humanitarian groups worldwide, letting donors guide their impact.

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Provided by the organization

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1 program · $423K · in their own filed words · FY2025
01

Third Ladder raises the standard of charitable giving by connecting donors with humanitarian programs alleviating human suffering. We facilitate responsible donor investment and grant distribution services to support global need.

$423Kprogram expense

Funders

Who pays for it.

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

Grants

Schedule I · funders on record
Grants received · FY2024
See all 4 funders →

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$506K
Ln 12
Gifts and grantsLn 1h$433K
Fees for servicesLn 2g$73K
Money outPt IX
$517K
Ln 25
Programscol B$423K
Managementcol C$49K
Fundraisingcol D$44K
Owns and owesPt X
$123K
net assets · Ln 32
Cash and savingsLn 1–2$48K
Total assetsLn 16$129K
LiabilitiesLn 26$5K
PeoplePt VI, VII
4
listed · VII A
PaidVII A2
Voting boardVI 1a3
IndependentVI 1b2
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$433K
Fees for servicesLn 2g$73K
Gains on assetsLn 7$0
Total revenueLn 12$506K
Assets in detailPt X, end of year
CashLn 1$48K
SavingsLn 2$0
Cash and savings togetherLn 1–2$48K
InvestmentsLn 11–13$0
Land, buildings, equipmentLn 10c$0
Other assetsLn 15$0
Total assetsLn 16$129K
LiabilitiesLn 26$5K
Net assetsLn 32$123K
OperationsPt I, VI
EmployeesI 53
VolunteersI 61
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 FY25End FY25
Cash and savingsLn 1–2$76K$48K
InvestmentsLn 11–13$0
Land, buildings, equipmentLn 10c$0
Total assetsLn 16$140K$129K
LiabilitiesLn 26$7K$5K
Net assetsLn 32$134K$123K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$0
Grants to domestic individualsLn 2$0
Grants and assistance to foreign recipientsLn 3$193K$193K
Benefits paid to or for membersLn 4$0
Pay of current officers, directors and key staffLn 5$123K$92K$15K$15K
Pay of disqualified personsLn 6$0
Other salaries and wagesLn 7$128K$102K$13K$13K
Pension plan contributionsLn 8$0
Other employee benefitsLn 9$16K$13K$2K$2K
Payroll taxesLn 10$23K$18K$2K$2K
Management feesLn 11a$0
Legal feesLn 11b$0
Accounting feesLn 11c$7K$7K
Lobbying feesLn 11d$0
Professional fundraising feesLn 11e$0
Investment management feesLn 11f$0
Other fees for servicesLn 11g$4K$3K$390$388
Advertising and promotionLn 12$2K$2K
Office expensesLn 13$5K$5K
Information technologyLn 14$0
RoyaltiesLn 15$0
OccupancyLn 16$0
TravelLn 17$1K$1K
Travel and entertainment for public officialsLn 18$0
Conferences, conventions and meetingsLn 19$0
InterestLn 20$0
Payments to affiliatesLn 21$0
Depreciation, depletion and amortizationLn 22$0
InsuranceLn 23$2K$2K
Other expenses (24a–d)Ln 24$13K$573$3K$10K
All other expensesLn 24e$91$28$63
Total functional expensesLn 25$517K$423K$49K$44K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $506K$517K−$11K$123K 990 PDF
FY2024 $587K$579K$8K$134K 990 PDF
FY2023 $488K$476K$12K$126K 990 PDF
FY2022 $384K$431K−$47K$114K 990 PDF
FY2021 $215K$57K$158K$158K 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 F · Foreign O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $506,453 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $503,647$433,284
I-9 Program service revenuePrior year $82,967$73,169
I-10 Investment income$0
I-11 Other revenue$0
I-12 Total revenuePrior year $586,614$506,453
I-13 Grants and similar amounts paidPrior year $234,651$193,332
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $312,406$289,459
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $31,907$34,279
I-18 Total expensesPrior year $578,964$517,070
I-19 Revenue less expensesPrior year $7,650−$10,617
Part VI · Governance 2 of 3 board members independent, no flags
VI-1a Voting members of the governing body3
VI-1b Independent voting members2
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 $506,453 across 9 lines filed
VIII-1f All other contributions, gifts and grants$433,284
VIII-1h Total contributions, gifts and grants$433,284
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $73,169$73,169
VIII-3 Investment income$0
VIII-5 Royalties$0
VIII-6 Net rental income or loss$0
VIII-7 Net gain or loss on sales of assets$0
VIII-8 Net income from fundraising events$0
VIII-12 Total revenueRelated to mission $73,169$506,453
Part IX · Statement of functional expenses $517,070 across 31 lines filed
IX-1 Grants to domestic organizations$0
IX-2 Grants to domestic individuals$0
IX-3 Grants and assistance to foreign recipientsPrograms $193,332$193,332
IX-4 Benefits paid to or for members$0
IX-5 Pay of current officers, directors and key staffPrograms $91,767 · Management $15,450 · Fundraising $15,450$122,667
IX-6 Pay of disqualified persons$0
IX-7 Other salaries and wagesPrograms $102,072 · Management $12,759 · Fundraising $12,759$127,590
IX-8 Pension plan contributions$0
IX-9 Other employee benefitsPrograms $13,140 · Management $1,643 · Fundraising $1,642$16,425
IX-10 Payroll taxesPrograms $18,222 · Management $2,278 · Fundraising $2,277$22,777
IX-11a Management fees$0
IX-11b Legal fees$0
IX-11c Accounting feesManagement $7,010$7,010
IX-11d Lobbying fees$0
IX-11f Investment management fees$0
IX-11g Other fees for servicesPrograms $3,111 · Management $390 · Fundraising $388$3,889
IX-12 Advertising and promotionFundraising $2,258$2,258
IX-13 Office expensesManagement $5,485$5,485
IX-14 Information technology$0
IX-15 Royalties$0
IX-16 Occupancy$0
IX-17 TravelPrograms $1,025$1,025
IX-18 Travel and entertainment for public officials$0
IX-19 Conferences, conventions and meetings$0
IX-20 Interest$0
IX-21 Payments to affiliates$0
IX-22 Depreciation, depletion and amortization$0
IX-23 InsuranceManagement $1,690$1,690
IX-24 Other expenses (24a–d)Programs $573 · Management $2,593 · Fundraising $9,665$12,831
IX-24e All other expensesPrograms $28 · Management $63$91
IX-25 Total functional expensesPrograms $423,270 · Management $49,361 · Fundraising $44,439$517,070
Part X · Balance sheet $128,592 assets, 18 lines filed
X-1 Cash, non-interest-bearingStart of year $75,548$47,529
X-2 Savings and temporary cash investments$0
X-3 Pledges and grants receivable$5,000
X-4 Accounts receivableStart of year $64,949$9,090
X-8 Inventories for sale or use$0
X-9 Prepaid expenses and deferred charges$66,973
X-10c Land, buildings and equipment, net$0
X-11 Publicly traded securities$0
X-12 Other securities$0
X-13 Program-related investments$0
X-14 Intangible assets$0
X-15 Other assets$0
X-16 Total assetsStart of year $140,497$128,592
X-17 Accounts payable and accrued expensesStart of year $6,779$5,491
X-26 Total liabilitiesStart of year $6,779$5,491
X-27 Net assets without donor restrictionsStart of year $133,718$123,101
X-32 Total net assets or fund balancesStart of year $133,718$123,101
X-33 Total liabilities and net assetsStart of year $140,497$128,592
Part XI · Reconciliation of net assets $123,101 net assets at year end
XI-1 Total revenue$506,453
XI-2 Total expenses$517,070
XI-3 Revenue less expenses−$10,617
XI-4 Net assets at start of year$133,718
XI-10 Net assets at end of year$123,101

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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