CARE FOR REAL

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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

2010

Legal Domicile

Principal Officer

GREGORY GROSS

Phone

7737696182

Tax Period

2024-04-01 to 2025-03-31

CARE FOR REAL, founded in 2010, is a community nonprofit in the Human Services sector that reported $8.4M in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. The organization ran a surplus of $1.3M, a strong 15% operating margin.

Mission

TO FOSTER A HEALTHY AND EQUITABLE COMMUNITY BY HELPING VULNERABLE NEIGHBORS OVERCOME FOOD INSECURITY WITH DIGNITY. WITH LOCATIONS IN EDGEWATER AND ROGERS PARK, CFR PROVIDES FOOD, CLOTHING, PET FOOD, REFERRAL, AND ADDITIONAL SERVICES WITH COMPASSION TO IMPROVE THE HEALTH AND WELL-BEING OF LOW-INCOME RESIDENTS.

Program Service Accomplishments

Program 1

Expenses: $5,896,176

FOOD PANTRY PROGRAM - THE PROGRAM'S GOALS ARE TO PROVIDE HUNGER RELIEF TO ALL WHO NEED; IMPROVE THE HEALTH AND WELL-BEING OF THE OUR CLIENTS; CLIENTS SAVE MONEY ON FOOD SO THEY CAN AFFORD HEALTH CARE AND HOUSING (AND AVOID HOMELESSNESS). CLIENTS MAY COME ONCE A WEEK FOR FOODS SUCH AS MEAT, EGGS, DAIRY, BEANS, RICE, FRESH PRODUCE, AND BAKED GOODS. FOOD IS DONATED BY OUR RETAIL PARTNERS AND PICKED UP BY OUR 3 HUNGER RELIEF VANS AND BY THE GREATER CHICAGO FOOD DEPOSITORY.

Program 2

Expenses: $632,419

CLOTHING DISTRIBUTION PROGRAM - LIKE THE HUNGER RELIEF PROGRAM, THE CLOTHING DISTRIBUTION PROGRAM HELPS OUR LOW-INCOME, VULNERABLE NEIGHBORS SAVE MONEY ON CLOTHES SO THEY CAN AFFORD HEALTH CARE AND HOUSING. SEASONALLY APPROPRIATE, NEW AND GENTLY USED DONATED CLOTHING IS COLLECTED FROM RETAILERS, ORGANIZATIONS AND INDIVIDUALS AND PROVIDED FREE TO OUR CLIENTS. DONATED PERSONAL CARE ITEMS ESSENTIAL FOR HEALTHY LIVING ARE ALSO COLLECTED AND DISTRIBUTED TO THOSE IN NEED.

Program 3

Expenses: $39,868

PET PANTRY - THE PET PANTRY PROVIDES FREE PET FOOD AND SUPPLIES TO CLIENTS SO THEY DON'T HAVE TO CHOOSE BETWEEN FEEDING THEIR FAMILIES AND FEEDING THIER PETS (OR GIVING UP THEIR PETS TO A SHELTER)...

PET PANTRY - THE PET PANTRY PROVIDES FREE PET FOOD AND SUPPLIES TO CLIENTS SO THEY DON'T HAVE TO CHOOSE BETWEEN FEEDING THEIR FAMILIES AND FEEDING THIER PETS (OR GIVING UP THEIR PETS TO A SHELTER). DONATED PET FOOD AND SUPPLIES ARE COLLECTED FROM LOCAL RETAILERS, DISTRIBUTORS, VETERINARIANS, AND INDIVIDUALS IN OUR COMMUNITY.

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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 $8,323,831

Program Service Revenue $0

Investment Income $50,207

Other Revenue $0

TOTAL REVENUE $8,374,038

Expense Breakdown

Grants Paid $5,471,393

Salaries & Benefits $931,914

Fundraising Expenses $281,480

Program Expenses $6,568,463

Other Expenses $707,800

TOTAL EXPENSES $7,111,107

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,374,038	$9,140,133	-0.1%
Expenses	$7,111,107	$6,698,779	+0.1%
Net Income	$1,262,931	$2,441,354	-0.5%

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

Volunteers

1200

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

$131,956

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BLAIR HARVEY	BOARD CHAIR	5.00	Officer Director	$0	$0	$0
GEE HOON LIM	TREASURER	5.00	Officer Director	$0	$0	$0
LARRY SVABEK	SECRETARY	5.00	Officer Director	$0	$0	$0
SARA DINGES	VICE CHAIR	5.00	Director	$0	$0	$0
NASSIR FAULKNER	DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM MASSEY	DIRECTOR	5.00	Director	$0	$0	$0
NEDA NOZARI	DIRECTOR	2.00	Director	$0	$0	$0
NELSON ROSARIO	DIRECTOR	2.00	Director	$0	$0	$0
THE REV JIM NIXON	DIRECTOR	5.00	Director	$0	$0	$0
KARIN MOEN ABERCROMBLE	DIRECTOR	2.00	Director	$0	$0	$0
NOUREEN HASHIM-JIWANI	DIRECTOR	2.00	Director	$0	$0	$0
DEBBIE MELLINGER	DIRECTOR	2.00	Director	$0	$0	$0
STEFANIE ROTI	DIRECTOR	2.00	Director	$0	$0	$0
LISA SALVATORE	DIRECTOR	2.00	Director	$0	$0	$0
GREGORY GROSS	EXECUTIVE DIRECTOR	40.00	Officer	$131,956	$0	$131,956

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	$8,374,038	$7,111,107	$8,618,049	$1,262,931
2024	$9,140,133	$6,698,779	$6,618,298	$2,441,354
2023	$6,041,767	$5,911,337	$2,391,061	$130,430
2022	$6,556,524	$6,258,777	$2,268,626	$297,747
2021	$7,245,950	$6,408,359	$1,930,320	$837,591
2020	$6,712,291	$6,489,946	$1,019,245	$222,345
2019	$6,779,443	$6,810,924	$803,578	$-31,481