Community Women Against Hardship
Nonprofit profile at a glance
- EIN
- 431510413
- IRS 990 coverage
- 2010–2024
- Forms available
- Form 990 2024, Form 990-N 2018
- Location
- Saint Louis, MO, USA
- Phone
- 3142897523
- Rating
- 68
- Verdict
- SUPPORTED
- Rating confidence
- Standard
Reported finances
- Revenue
- $240,562
- Expenses
- $305,976
- Assets
- $539,055
- Liabilities
- $73,850
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
13 people listed
Executive titles in this filing
- Tambra Cross (Executive Director)
People named in this filing
- Stephanie Taylor Muldrow I (Chairman)
- Cynthia Clay (Secretary)
- Arthurine Mason Hunter (Board Member)
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 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To provide programs and services to enable low to moderate income families struggling with poverty to become more self sufficient.
What it reported doing in 2024
The organization provided furniture, appliances, household items, food, clothing and educational/development class work for both youth and parents.
Operating model
- Revenue model
- Grant-funded. 76% 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 - The filed numbers largely add up and most voting board members are independent. A relatively small share of total spending goes to programs and fundraising costs are high for each dollar raised.
Rating breakdown
- Financial Efficiency: 59
- Transparency & Controls: 93
- Accountability: 74
- Sustainability: 32
- Growth: 0
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 66.7%; rating input score 67
- Program expense ratio: 52.4%; rating input score 52
- Fundraising efficiency: $10.18 raised per $1 spent on fundraising; rating input score 40; 40th percentile among comparable filings
Transparency & Controls
- Consistency checks: 92.9%; rating input score 93; 25th 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: 76.9%; rating input score 77; 20th percentile among comparable filings
- Governance controls: 5 of 7 controls in place; rating input score 71
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: NotApplicable
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: -27.2%; rating input score 11; 11th percentile among comparable filings
- Total-asset coverage ratio: 1.76; rating input score 56; 56th percentile among comparable filings
- Liabilities to assets ratio: 0.14; rating input score 23; 23rd percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 69; 69th percentile among comparable filings
Growth
- Program expense growth: -6.3% per year; rating input score 0; 15th percentile among comparable filings
- Revenue growth: -2.5% per year; rating input score 0; 15th percentile among comparable filings
- Asset growth: -3.1% per year; rating input score 0; 14th percentile among comparable filings
Details
- Where the money goes: 66.7% of revenue deployed · 52.4% of spending went to programs
- Governance: 10 of 13 board members independent · 5 of 7 filing controls reported
- Programs: 1 filed program accomplishment · $160K in reported program spending
- Leadership: top reported pay $0 · 13 people listed
- Consistency: 25 of 26 current checks pass · 1 finding to review
- Schedules: 4 filed schedules
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: Resolved incoming and outgoing counterparties from filed money flows.
- 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.
- Review — Financial Efficiency: Program expense ratio scored 52/100.
- Moderate — Financial Efficiency: Fundraising efficiency scored 40/100.
- High — Sustainability: Operating margin scored 11/100.
- High — Growth: Program expense growth scored 0/100.
- High — Growth: Revenue growth scored 0/100.
- Review — Accountability: Governance controls: Independent financial-statement audit not reported.
- Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.
- High — Growth: Asset growth scored 0/100.
- Review — Sustainability: Total-asset coverage ratio scored 56/100.
- High — Sustainability: Liabilities to assets ratio scored 23/100.