Cass Housing Inc

Nonprofit profile at a glance

EIN
475460116
IRS 990 coverage
2019–2025
Forms available
Form 990 2025, Form 990-N 2016
Location
Fort Wayne, IN, USA
Phone
2602473610
Rating
80
Verdict
STRONG
Rating confidence
Moderate
Sector
Support N.E.C.

Official website

Reported finances

Revenue
$641,253
Expenses
$770,513
Assets
$5,094,226
Liabilities
$679,382

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

9 people listed

Executive titles in this filing

  • REBECCA GRAF (CEO)

Highest reported compensation

  • REBECCA GRAF (CEO): $82,466 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The mission of cass housing, inc. Is to create innovative and safe housing with support that empowers individuals with intellectual and developmental disabilities to maximize their potential and grow in their independence. The vision of cass housing, inc. Is to see a world where individuals of varying abilities feel fulfilled and thrive independently.

What it reported doing in 2025

For many people with developmental disabilities, moving out of the family home is the greatest hurdle they will ever face as they are moving away from the support system that has been in place for their entire lives. Cass believes that housing options must be matched with the correct support to make the transition out of the family home possible. Housing and support services for people with developmental disabilities are two vastly different industries. However, they must work in tandem to help make the transition successful. The home itself must be created and/or adapted to the needs of the people living in the home. While this physical space is an important piece of the puzzle, it is only the beginning. The new support system must also be customized to meet not only the specific needs of the person, but the expectations of the family as well. Cass is designed to offer different housing models with varying levels of support for the residents. A steward lives on-site to provide guidance and support, depending on the needs of the residents. Cass is unique in that the core members and their families choose their home, their housemates, and their support staff. Existing programs randomly assign residents to live in a group home where they may not know the other residents. Our program provides core members the ability to live with friends with whom they share interests and compatibility. Home groups consist of three compatible core members who have been vetted for a cass home. Cass builds opportunities for families to launch their loved ones into independence while providing solutions that address the families' concerns of safety, affordability, relationships, and life skills. We focus on creating a pathway for families and core members to transition into our housing program through: "activities and match making events to help to continue to create a community of support for individuals interested in the program. All families on our wait list are invited to these events. "working one on one with individuals through the transition into their new home. "providing ongoing educational opportunities for individuals to develop more independent living skills (money management, healthy eating, healthy lifestyles and vocational skills). This addresses some of the missing skill sets in core members as they live on their own for the first time. As of december 31, 2025, we have 18 individuals living in cass independent houses. Our most recent independent living home was opened in 2024 to house three additional core members. We are working with approximately 100 families to support skill building and match making opportunities while working towards long-term living solutions for their loved ones. Cass is the only program of its kind operating in allen county serving adults with an intellectual and/or developmental disability with long term housing and living solutions. Our core members are learning to live in a whole new way that brings them joy, brings their family a sense of long- term security, and gives them the opportunity to make their future their own.

Operating model

Revenue model
Donor-supported. 67% of the money available for current operations came from contributions and gifts.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 70
  • Transparency & Controls: 92
  • Accountability: 100
  • Sustainability: 36
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 83.8%; rating input score 84
  • Program expense ratio: 68.1%; rating input score 68
  • Fundraising efficiency: $3.01 raised per $1 spent on fundraising; rating input score 8; 8th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 8 of 8 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -20.2%; rating input score 6; 6th percentile among comparable filings
  • Total-asset coverage ratio: 6.61; rating input score 88; 88th percentile among comparable filings
  • Liabilities to assets ratio: 0.13; rating input score 31; 31st percentile among comparable filings
  • Officer compensation ratio: 10.7%; rating input score 35; 35th percentile among comparable filings

Growth

  • Program expense growth: 17.2% per year; rating input score 100; 75th percentile among comparable filings
  • Revenue growth: -8.8% per year; rating input score 0; 2nd percentile among comparable filings
  • Asset growth: 12.8% per year; rating input score 100; 64th percentile among comparable filings

Details

  • Where the money goes: 83.8% of revenue deployed · 68.1% of spending went to programs
  • Governance: 7 of 7 board members independent · 8 of 8 filing controls reported
  • Programs: 2 filed program accomplishments · $525K in reported program spending
  • Leadership: top reported pay $82K · 9 people listed
  • Consistency: 34 of 34 current checks pass
  • Schedules: 5 filed schedules · includes major donors
  • Filing history: 6 filing years from 2019 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Financial Efficiency: Fundraising efficiency scored 8/100.
  • High — Sustainability: Operating margin scored 6/100.
  • High — Growth: Revenue growth scored 0/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 31/100.
  • Moderate — Sustainability: Officer compensation ratio scored 35/100.