CHARITY CARE GROUP THE FOUNDATION

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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

2024

Legal Domicile

Principal Officer

Tracy Lorraine

Phone

8778295500

Tax Period

2025-01-01 to 2025-12-31

CHARITY CARE GROUP THE FOUNDATION, founded in 2024, is a small nonprofit in the Community Improvement sector that reported $270K in total revenue in fiscal year 2025. Expenses of $343K exceeded revenue, resulting in a 27% operating deficit.

Mission

The HomeSafe Initiative supports older adults and vulnerable households by improving home safety, accessibility, and housing stability through home modifications and supportive services. The program provides critical repairs and accessibility upgrades, including ramps, grab bars, bathroom safety improvements, and hazard reduction, to help seniors age safely in place. It also offers wraparound services such as case management, housing navigation, financial counseling, and long-term stability planning. Its mission is to promote independence, reduce displacement, and enhance quality of life by ensuring safe and stable living environments for individuals and families facing housing challenges.

Program Service Accomplishments

Program 1

Expenses: $248,202 Revenue: $269,797

The HomeSafe Initiative provides home safety and accessibility improvements for older adults and vulnerable households through HUD-funded home modifications of up to $5,000 per household. Services...

The HomeSafe Initiative provides home safety and accessibility improvements for older adults and vulnerable households through HUD-funded home modifications of up to $5,000 per household. Services include installation of ramps, grab bars, bathroom safety upgrades, minor repairs, and hazard reduction to support aging in place. The program also delivers supportive services such as case management, housing navigation, financial counseling, and long-term stability planning to help reduce housing instability and improve overall quality of life.

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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 (2025)

Revenue Breakdown

Contributions & Grants $269,797

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $269,797

Expense Breakdown

Grants Paid $0

Salaries & Benefits $214,703

Fundraising Expenses $0

Program Expenses $248,202

Other Expenses $128,652

TOTAL EXPENSES $343,355

Year-over-Year Comparison

	2025	2024	Change
Revenue	$269,797	N/A	N/A
Expenses	$343,355	N/A	N/A
Net Income	$-73,558	$0	N/A

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

N/A

Volunteers

N/A

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

Total Directors

$93,978

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tracy Lorraine	Chief Executive Officer	53	Director	$85,166	$0	$85,166
Raven Young	CAO	13	Director	$6,466	$0	$6,466
Richie Lander	CFO	1.5	Director	$2,346	$0	$2,346

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	$269,797	$343,355	$867	$-73,558