Cha Charitable Benefit Corporation

Nonprofit profile at a glance

EIN
990496928
IRS 990 coverage
2024–2025
Forms available
Form 990 2025
Location
Chattanooga, TN, USA
Phone
4237524837
Rating
68
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Community Foundations

Reported finances

Revenue
$5,827,410
Expenses
$979,907
Assets
$6,297,505
Liabilities
$38,909

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

Leadership & pay

7 people listed

Executive titles in this filing

  • ELIZABETH F MCCRIGHT (PRESIDENT)
  • NAVEED MINHAS (VICE PRESIDENT)

People named in this filing

  • ELIZABETH F MCCRIGHT (PRESIDENT)
  • NAVEED MINHAS (VICE PRESIDENT)
  • JOE KELLY (SECRETARY)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

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

Overview

Mission

To receive and distribute charitable funds supporting affordable housing and community development initiatives of the chattanooga housing authority.

What it reported doing in 2025

The cha-cbc administers charitable contributions and grants that support affordable housing development, housing stability programs, and community revitalization initiatives. Funds are provided to organizations and programs that assist low-income individuals and families through housing development activities, supportive services, and financial assistance designed to reduce housing instability and promote long-term housing sustainability. These activities further the charitable mission of expanding access to affordable housing opportunities in the chattanooga community.

Operating model

Revenue model
Grant-funded. 73% of the money available for current operations came from government grants.
Distribution model
Grant intermediary. The nonprofit sent 100% of its reported program spending out as grants.

The verdict

SUPPORTED - The filed numbers largely add up and most voting board members are independent. A relatively small share of available resources goes toward mission work and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 43
  • Transparency & Controls: 94
  • Accountability: 64
  • Sustainability: 91
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 17.6%; rating input score 18
  • Program expense ratio: 100%; rating input score 100
  • Fundraising efficiency: Limited

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: 100%; rating input score 100; 75th percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
  • Governance controls: 1 of 7 controls in place; rating input score 14
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 83.2%; rating input score 98; 98th percentile among comparable filings
  • Total-asset coverage ratio: 6.43; rating input score 84; 84th percentile among comparable filings
  • Liabilities to assets ratio: 0.01; rating input score 82; 82nd percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 90; 90th percentile among comparable filings

Growth

  • Program expense growth: 171.6% per year; rating input score 100; 100th percentile among comparable filings
  • Revenue growth: 118.7% per year; rating input score 100; 100th percentile among comparable filings
  • Asset growth: 126.8% per year; rating input score 100; 100th percentile among comparable filings

Details

  • Where the money goes: 17.6% of revenue deployed · 100% of spending went to programs
  • Governance: 7 of 7 board members independent · 1 of 7 filing controls reported
  • Programs: 1 filed program accomplishment · $980K in reported program spending
  • Leadership: top reported pay $0 · 7 people listed
  • Consistency: 14 of 14 current checks pass
  • Schedules: 5 filed schedules · includes major donors and grants
  • Filing history: 2 filing years from 2024 to 2025
  • Contacts: How to reach this organization
  • Money network: 2 filed money-flow records
  • Related organizations: 3 filed related-organization links
  • 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: Mission deployment rate scored 18/100.
  • High — Accountability: Governance controls: 5 of 6 not reported.