CENTER FOR CHANGING LIVES

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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

1990

Legal Domicile

Principal Officer

JULIANA GONZALEZ-CRUSSI

Phone

7733426210

Tax Period

2023-01-01 to 2023-12-31

CENTER FOR CHANGING LIVES, founded in 1990, is a community nonprofit in the Housing & Shelter sector that reported $1.6M in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $1.8M exceeded revenue, resulting in a 18% operating deficit.

Mission

CENTER FOR CHANGING LIVES (CCL) PARTNERS WITH THOSE HELD BACK BY A LACK OF RESOURCES AND ECONOMIC OPPORTUNITY IN ORDER TO UNCOVER POSSIBILITIES, OVERCOME BARRIERS, AND REALIZE THEIR POTENTIAL.

Program Service Accomplishments

Program 1

Expenses: $311,658

HOUSING FINANCIAL COACHING PROGRAM - WORKS TO SUPPORT PARTICIPANTS AS THEY WORK TO ACHIEVE FINANCIAL GOALS. CCL PROVIDES ONE ON ONE AND GROUP FINANCIAL COACHING THAT FOCUS ON DEVELOPING PARTICIPANTS' FINANCIAL VISIONS, OUTCOMES, ACTION PLANS AND ACCOUNTABILITY STRUCTURES, FINANCIAL ASSESSMENT AND MOBILIZATION AND APPLICATION OF RESOURCES TO THE FINANCIAL ACTION PLANS, INCLUSIVE OF INNOVATIVE FINANCIAL PRODUCTS. THE PROGRAM ALSO WORKS TO SUPPORT PARTICIPANTS AS THEY WORK TO OBTAIN SAFE AND AFFORDABLE HOUSING. TO THAT END, CCL PROVIDES HUD CERTIFIED HOUSING COUNSELING.

Program 2

Expenses: $336,786 Revenue: $17,000

EMPLOYMENT COACHING PROGRAM - CCL'S EMPLOYMENT PREPARATION AND PLACEMENT PROGRAM WORKS TO SUPPORT PARTICIPANTS AS THEY WORK TO ACHIEVE EMPLOYMENT IN THE SHORT-TERM AND CAREER ADVANCEMENT IN THE...

EMPLOYMENT COACHING PROGRAM - CCL'S EMPLOYMENT PREPARATION AND PLACEMENT PROGRAM WORKS TO SUPPORT PARTICIPANTS AS THEY WORK TO ACHIEVE EMPLOYMENT IN THE SHORT-TERM AND CAREER ADVANCEMENT IN THE LONG-TERM. ONE ON ONE EMPLOYMENT COACHING INCLUDES: JOB READINESS TRAINING, DIGITAL LITERACY TRAINING, ASSESSMENT AND GOAL SETTING, RESUME AND JOB APPLICATION ASSISTANCE, MOCK INTERVIEWING AND SKILL-BUILDING ACTIVITIES, REFERRALS TO JOB LEADS, PRE-SCREENING FOR DIRECT PLACEMENTS, CLOTHING AND TRANSPORTATION ASSISTANCE, FOLLOW-UP AND JOB RETENTION.

Program 3

Expenses: $256,719

OUTREACH - COACHES WORK WITH MEMBERS OF THE PUBLIC TO CONNECT THEM TO A SPECTRUM OF RESOURCES. RESOURCES THAT MAY INCLUDE,BUT ARE NOT LIMITED TO MAINSTREAM PUBLIC BENEFITS, NETWORKING OPPORTUNITIES, PRODUCTS OR SERVICES OR ANY OTHER NEEDED COMMUNITY SUPPORT, ASSISTANCE OR RESOURCE THAT MOVES COMMUNITY MEMBERS TOWARDS GOAL ATTAINMENT.THE GOAL OF CCL'S PARTNERSHIPS AND COMMUNITY ENGAGEMENT IS TO DEVELOP EMPOWERED AND ACCOUNTABLE RELATIONSHIPS WITH COMMUNITY MEMBERS, THAT WILL PREPARE AND RESOURCE THEM TO ACHIEVE THEIR GOALS

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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 (2023)

Revenue Breakdown

Contributions & Grants $1,528,262

Program Service Revenue $17,000

Investment Income $1,188

Other Revenue $17,743

TOTAL REVENUE $1,564,193

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,477,166

Fundraising Expenses $164,318

Program Expenses $1,108,857

Other Expenses $368,889

TOTAL EXPENSES $1,846,055

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,564,193	$1,339,356	+0.2%
Expenses	$1,846,055	$1,223,544	+0.5%
Net Income	$-281,862	$115,812	-3.4%

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

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

$157,505

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOANNIE FOLEY	PRESIDENT	2.00	Officer Director	$0	$0	$0
JACK LEE	SECRETARY	2.00	Officer Director	$0	$0	$0
MEGHAN JACKA	TREASURER	2.00	Officer Director	$0	$0	$0
MAGGIE CLEMONS	DIRECTOR	1.00	Director	$0	$0	$0
YARITZA SANDOVAL	DIRECTOR	1.00	Director	$0	$0	$0
LIZ AQUILAR	DIRECTOR	1.00	Director	$0	$0	$0
BIBI HERNANDEZ	DIRECTOR	1.00	Director	$0	$0	$0
JULIANA GONZALEZ-CRUSSI	EXECUTIVE DIRECTOR	40.00	Officer	$137,926	$19,579	$157,505

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
2024	No data	No data	No data	No data
2023	$1,564,193	$1,846,055	$1,128,751	$-281,862
2022	$1,339,356	$1,223,544	$1,352,140	$115,812
2021	$1,222,774	$931,618	$1,180,115	$291,156
2020	$1,376,428	$999,097	$1,011,199	$377,331
2019	$636,700	$807,249	$497,253	$-170,549
2018	$1,061,499	$863,375	$667,045	$198,124