CARITAS (EIN 541441917) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1987

Legal Domicile

Principal Officer

KAREN O'BRIEN

Phone

8043580964

Tax Period

2024-07-01 to 2025-06-30

CARITAS, founded in 1987, is a mid-sized nonprofit in the Housing & Shelter sector that reported $12.1M in total revenue in fiscal year 2017. Revenue surged 80% from the prior year, signaling strong growth momentum. The organization ran a surplus of $8.8M, a strong 73% operating margin.

Mission

CARITAS PROVIDES EMERGENCY SHELTER, RECOVERY SERVICES, AND HOUSING RESOURCES TO THOUSANDS OF PEOPLE EACH YEAR.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $4,874,002

Program Service Revenue $1,642,861

Investment Income $254,438

Other Revenue $-353,296

TOTAL REVENUE $6,418,005

Expense Breakdown

Grants Paid $521,312

Salaries & Benefits $3,796,401

Fundraising Expenses $454,924

Program Expenses $5,368,131

Other Expenses $2,445,572

TOTAL EXPENSES $6,763,285

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,418,005	$6,863,830	-0.1%
Expenses	$6,763,285	$6,603,476	+0.0%
Net Income	$-345,280	$260,354	-2.3%

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

135

Volunteers

1000

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

$373,046

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ARRION DENNIS	DIRECTOR	1.00	Director	$0	$0	$0
ATMA IYER	DIRECTOR	1.00	Director	$0	$0	$0
CEDRIC OVERTON	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES FITZGERALD	DIRECTOR	1.00	Director	$0	$0	$0
CHERYL R MOORE	DIRECTOR	1.00	Director	$0	$0	$0
DAVID CRAYMER	DIRECTOR	1.00	Director	$0	$0	$0
GRANT NEELY	DIRECTOR	1.00	Director	$0	$0	$0
GREGORY SUSKIND	PAST CHAIR	1.00	Officer Director	$0	$0	$0
JOHN FINN JR	OUTGOING DIRECTOR	1.00	Director	$0	$0	$0
JOHN S WEST	OUTGOING DIRECTOR	1.00	Director	$0	$0	$0
JOHN ZEHEB	TREASURER	1.00	Officer Director	$0	$0	$0
LINDA HANCOCK	DIRECTOR	1.00	Director	$0	$0	$0
MARTIN P KLEIN	DIRECTOR	1.00	Director	$0	$0	$0
MICAH WHITE	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL CARTER	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK GEMMELL	VICE CHAIR	1.00	Officer Director	$0	$0	$0
PAUL CARDER	SECRETARY	1.00	Officer Director	$0	$0	$0
T PRESTON LLOYD	CHAIR	1.00	Officer Director	$0	$0	$0
TOM BANNARD	DIRECTOR	1.00	Director	$0	$0	$0
KAREN O'BRIEN	CEO	40.00	Officer	$200,619	$17,632	$218,251
MARK CASSIDY	CFO	40.00	Officer	$138,326	$16,469	$154,795
CLARA STOKES	CAO	40.00	Highest	$139,908	$13,417	$153,325
EMILY LEHMANN	CPO	40.00	Highest	$123,283	$9,583	$132,866

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	$6,418,005	$6,763,285	$22,464,807	$-345,280
2024	$6,863,830	$6,603,476	$21,989,100	$260,354
2023	$6,827,997	$6,782,960	$21,737,110	$45,037
2022	$5,144,634	$5,352,623	$20,735,460	$-207,989
2021	$4,984,452	$5,143,386	$21,130,751	$-158,934
2020	$8,374,458	$4,035,005	$22,645,029	$4,339,453
2019	$4,469,837	$3,227,708	$20,164,631	$1,242,129
2018	$12,104,870	$3,270,720	$16,037,167	$8,834,150

CARITAS