Charity Care Group the Foundation
Nonprofit profile at a glance
- EIN
- 990761186
- IRS 990 coverage
- 2025–2025
- Forms available
- Form 990 2025, Form 990-N 2024
- Location
- Norfolk, VA, USA
- Phone
- 8778295500
- Rating
- 70
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Sector
- Community, Neighborhood Development
Reported finances
- Revenue
- $269,797
- Expenses
- $343,355
- Assets
- $867
- Liabilities
- $74,425
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
3 people listed
Executive titles in this filing
- Tracy Lorraine (Chief Executive Officer)
Highest reported compensation
- Tracy Lorraine (Chief Executive Officer): $85,166 total reported compensation
- Raven Young (CAO): $6,466 total reported compensation
- Richie Lander (CFO): $2,346 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 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.
What it reported doing in 2025
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.
Operating model
- Revenue model
- Grant-funded. 100% of the money available for current operations came from government grants.
- 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
SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and expenses are high relative to revenue.
Rating breakdown
- Financial Efficiency: 75
- Transparency & Controls: 90
- Accountability: 63
- Sustainability: 6
- Growth: NotEnoughData
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 92%; rating input score 92
- Program expense ratio: 72.3%; rating input score 72
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 1 of 9 controls in place; rating input score 11
- Conflict-of-interest policy: Fail
- Whistleblower policy: Fail
- Document-retention policy: Fail
- CEO compensation review process: Fail
- Other executive compensation review process: Fail
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: -27.3%; rating input score 8; 8th percentile among comparable filings
- Total-asset coverage ratio: 0; rating input score 2; 2nd percentile among comparable filings
- Liabilities to assets ratio: 85.84; rating input score 0; 0th percentile among comparable filings
- Officer compensation ratio: 27.4%; rating input score 13; 13th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: Limited
- Asset growth: Limited
Details
- Where the money goes: 92% of revenue deployed · 72.3% of spending went to programs
- Governance: 3 of 3 board members independent · 1 of 9 filing controls reported
- Programs: 1 filed program accomplishment · $248K in reported program spending
- Leadership: top reported pay $85K · 3 people listed
- Consistency: 19 of 19 current checks pass
- Schedules: 2 filed schedules
- Contacts: How to reach this organization
- Money network: 3 filed money-flow records
- 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 — Accountability: Governance controls: 7 of 8 not reported.
- High — Sustainability: Operating margin scored 8/100.
- High — Sustainability: Total-asset coverage ratio scored 2/100.
- High — Sustainability: Liabilities to assets ratio scored 0/100.
- High — Sustainability: Officer compensation ratio scored 13/100.