Charlotte Center for Legal Advocac… - Form 990 Financial Data

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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

1967

Legal Domicile

Principal Officer

Kara Moskowitz

Phone

7043761600

Tax Period

2024-07-01 to 2025-06-30

Charlotte Center for Legal Advocacy Inc, founded in 1967, is a community nonprofit in the Crime & Legal sector that reported $4.8M in total revenue in fiscal year 2024. Revenue fell 22% from the prior year — a significant decline worth monitoring. Expenses of $6.1M exceeded revenue, resulting in a 28% operating deficit.

Mission

Charlotte Center for Legal Advocacy provides civil legal representation to meet basic human needs of safety, security and stability. Our mission is to provide justice for those in need.During FY2025, we worked on 13,537 cases and shared information about our services to 28,579 people.(4,179 cases + 49 fingerprinting clients + 7,723 Ombudsman cases + 1,586 Navigator apts)

Program Service Accomplishments

Program 1

Expenses: $1,974,634

Family Support and Health Care ProgramThis program advocates for children, seniors, people living with disabilities, immigrants and veterans to get the health care, public benefits and services they need. During the year, we worked on 721 1,108 cases and helped families access critical benefits like food stamps, Medicaid, and Social Security. Within this program, the Health Insurance Navigators provide clarity, guidance and peace of mind for those seeking unbiased help choosing the right coverage through the Health Insurance Marketplace at HealthCare.gov or by applying for Medicaid. The Navigators completed 1,704 1,586 appointments, enrolling 487 510 individuals in Medicaid or Marketplace plans; provided post-enrollment assistance to 213 219 consumers, and served diverse communities with support in English, Spanish, ASL, and other languages. We are a part of the NC Medicaid Ombudsman Program, and we advocate for people with NC Medicaid to get the care they need and to help them navigate the new environment by providing free, confidential services. The Advocacy Centers Ombudsmen worked on 7,723 cases, with 6,588 being served through issue resolution and referrals.

Program 2

Expenses: $1,548,180

Immigrant Justice ProgramThis program offers legal services to protect immigrants and their families, regardless of immigration status. During the year, we provided services to 230 1,129 immigrant...

Immigrant Justice ProgramThis program offers legal services to protect immigrants and their families, regardless of immigration status. During the year, we provided services to 230 1,129 immigrant children/families, and we assisted 280 474 people in the Pro Bono Room of Charotte's Immigration Court (two days a week, four hours each day).

Program 3

Expenses: $781,551

Consumer Protection ProgramThis program protects consumers from fraudulent practices that can take away a family home, income and transportation. During the year, we provided legal representation and advice to 185 428 cases involving foreclosure, debt, homeownership issues, criminal record expunctions, drivers license restoration, property tax relief and financial empowerment. The Veterans Legal Services Project helped 202 veterans build security for themselves and their families.

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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 $4,480,236

Program Service Revenue $43,934

Investment Income $32,350

Other Revenue $201,095

TOTAL REVENUE $4,757,615

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,861,560

Fundraising Expenses $374,468

Program Expenses $5,010,135

Other Expenses $1,225,203

TOTAL EXPENSES $6,086,763

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,757,615	$6,132,524	-0.2%
Expenses	$6,086,763	$6,516,938	-0.1%
Net Income	$-1,329,148	$-384,414	+2.5%

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

186

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

$137,710

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kara Moskowitz	Interim CEO	37.50	Officer	$130,601	$7,109	$137,710
Douglas Sea	Director/Attorney	32.00		$122,534	$0	$122,534
Kelly Lynn	Philanthropy Dir	37.50		$115,697	$0	$115,697
Alex Castle	Treasurer	0.50	Director	$0	$0	$0
Rhonda Bethea	Treasurer	0.50	Officer Director	$0	$0	$0
John McDonald	Director	0.50	Director	$0	$0	$0
Anna O'Neal	Director	0.50	Director	$0	$0	$0
Carolyn Allison	Secretary	0.50	Officer Director	$0	$0	$0
Rachel Bernard	Director	0.50	Director	$0	$0	$0
Edward P O'Keefe	Chairperson	0.50	Officer Director	$0	$0	$0
Natasha McKenzie	Director	0.50	Director	$0	$0	$0
Stephanie Steiger	Director	0.50	Director	$0	$0	$0
Elizabeth Ireland	Director	0.50	Director	$0	$0	$0
Amy Puckett	Director	0.50	Director	$0	$0	$0
Ted Smoyer	Director	0.50	Director	$0	$0	$0
Elizabeth Murphy	Director	0.50	Director	$0	$0	$0
Gwendolyn Lewis	Director	0.50	Director	$0	$0	$0
Andres Lopez	Director	0.50	Director	$0	$0	$0
Rahwa Gebre-Egziabher	Director	0.50	Director	$0	$0	$0
Allie Lin	Vice Chair	0.50	Officer Director	$0	$0	$0
Erica Nesmith	Director	0.50	Director	$0	$0	$0
Matthew Robertson	Director	0.50	Director	$0	$0	$0

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	$4,757,615	$6,086,763	$9,875,347	$-1,329,148
2024	$6,132,524	$6,516,938	$11,692,411	$-384,414
2023	$6,038,786	$6,012,407	$12,279,934	$26,379
2022	$7,975,999	$4,948,357	$12,323,013	$3,027,642
2021	$6,469,542	$4,483,177	$8,770,350	$1,986,365
2020	$3,383,154	$3,446,929	$4,675,041	$-63,775
2019	$5,326,566	$3,254,209	$4,605,497	$2,072,357

Charlotte Center for Legal Advocacy Inc