CRUSADERS CENTRAL CLINIC ASSOCIATION (EIN 237076080) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1972

Legal Domicile

Phone

8154901600

Tax Period

2024-07-01 to 2025-06-30

CRUSADERS CENTRAL CLINIC ASSOCIATION, founded in 1972, is a mid-sized nonprofit in the Health Care sector that reported $69.1M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $63.1M left a modest 9% surplus.

Mission

CRUSADER COMMUNITY HEALTH IS A COMMUNITY-BASED, NOT-FOR-PROFIT COMMUNITY HEALTH CENTER. SEE SCHEDULE O FOR MORE INFORMATION.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $9,436,033

Program Service Revenue $56,957,806

Investment Income $2,660,739

Other Revenue $3,600

TOTAL REVENUE $69,058,178

Expense Breakdown

Grants Paid $10,000

Salaries & Benefits $37,969,816

Fundraising Expenses $0

Program Expenses $50,736,422

Other Expenses $25,142,792

TOTAL EXPENSES $63,122,608

Year-over-Year Comparison

	2024	2023	Change
Revenue	$69,058,178	$59,130,853	+0.2%
Expenses	$63,122,608	$56,171,704	+0.1%
Net Income	$5,935,570	$2,959,149	+1.0%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✓ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

482

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✓ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$747,629

Total Directors

Key Employees

$1,977,139

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID RUFFIN	CHAIR	1.0	Officer Director	$0	$0	$0
DENNIS ROOP	VICE CHAIR	1.0	Officer Director	$0	$0	$0
JAMES MILLIKIN	TREASURER	1.0	Officer Director	$0	$0	$0
RICHARD WALSH	PAST CHAIR	1.0	Officer Director	$0	$0	$0
BARBARA WILLIAMS	DIRECTOR	1.0	Director	$0	$0	$0
CAROL JACKSON	DIRECTOR	1.0	Director	$0	$0	$0
CATHERINE BROWN	DIRECTOR	1.0	Director	$0	$0	$0
DAVID POWELL	DIRECTOR	1.0	Director	$0	$0	$0
DIEGO VALDIVIA	DIRECTOR	1.0	Director	$0	$0	$0
JANICE FORREST	DIRECTOR	1.0	Director	$0	$0	$0
KRIS HARDEN	DIRECTOR	1.0	Director	$0	$0	$0
LEON HANSEN	DIRECTOR	1.0	Director	$0	$0	$0
PETER MAZANEC	DIRECTOR	1.0	Director	$0	$0	$0
LUIS DELGADO	VP FINANCE	40.0	Officer	$158,642	$50,685	$209,327
SAMUEL MILLER	CEO/President	40.0	Officer	$479,749	$58,553	$538,302
ANTOUN AL KHABBAZ	WHS - DEPT CHAIR	40.0	Key Emp	$506,020	$56,140	$562,160
DINA GIRGIS	DENTAL - DEPT CHAIR	40.0	Key Emp	$184,305	$22,269	$206,574
ELIZABETH HENNING	VP OF RISK MANAGEMENT	40.0	Key Emp	$198,202	$37,784	$235,986
GARY FERNANDO	CMO	32.0	Key Emp	$270,308	$34,478	$304,786
KATHRYN RICH	VP HUMAN RESOURCES	40.0	Key Emp	$173,807	$9,190	$182,997
KERIN CUMMINS	CRUSADERNOW LEAD	40.0	Key Emp	$185,114	$20,967	$206,081
TERRY WHITE	COO	40.0	Key Emp	$253,679	$24,876	$278,555
EUNICE JACOB-CHARLY	PHYSICIAN	40.0	Highest	$298,723	$53,888	$352,611
Karen Moses	PHYSICIAN	40.0	Highest	$364,615	$51,852	$416,467
MANINDER KAUR	PHYSICIAN	40.0	Highest	$263,726	$12,782	$276,508
MAY SAMAAN	PHYSICIAN	40.0	Highest	$363,627	$44,874	$408,501
NIVEDITA KARMAKAR	PHYSICIAN	40.0	Highest	$252,753	$51,379	$304,132

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$69,058,178	$63,122,608	$113,688,349	$5,935,570
2024	$59,130,853	$56,171,704	$102,830,501	$2,959,149
2023	$58,118,479	$52,298,696	$96,027,695	$5,819,783
2022	$59,787,752	$48,666,735	$89,354,596	$11,121,017
2021	$53,785,770	$47,110,837	$89,366,480	$6,674,933
2020	$50,470,478	$46,964,112	$78,506,357	$3,506,366
2019	$49,746,347	$45,416,991	$70,253,033	$4,329,356
2018	$49,055,727	$43,780,715	$62,883,579	$5,275,012

CRUSADERS CENTRAL CLINIC ASSOCIATION