Cross Roads OBX Association

Nonprofit profile at a glance

EIN
372004420
IRS 990-EZ coverage
2025–2025
Forms available
Form 990-EZ 2025, Form 990-PF 2024
Location
Kitty Hawk, NC, USA
Rating
77
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Human Service Organizations

Reported finances

Revenue
$136,812
Expenses
$117,982
Assets
$63,030

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

Leadership & pay

9 people listed

Executive titles in this filing

  • Randall Fenninger (President)
  • Nigel Buttery (Vice President)
  • Randall Hamilton (Executive Director)

People named in this filing

  • Randall Fenninger (President)
  • Nigel Buttery (Vice President)
  • Charlotte Ashe (Treasurer)

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

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

Overview

Mission

To provide mentorship faith-based guidance and supportive community programs for individuals in life transition including those facing personal or life challenges to promote renewed purpose stability and self-sufficiency.

What it reported doing in 2025

Cross Roads OBX Association provides mentorship and faith-based support to individuals in life transition promoting stability personal growth and renewed purpose. Services include one-on-one mentoring life skills guidance pastoral care and individualized service coordination. During the year the organization conducted 480 outreach and service coordination encounters and 32 pastoral care local church encounters helping participants navigate challenges set goals and connect with needed resources. These efforts supported individuals in building accountability improving decision-making and establishing a foundation for long-term stability and self-sufficiency.

Operating model

Revenue model
Donor-supported. 100% 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

SUPPORTED - The filed numbers largely add up and a large share of available resources goes toward mission work. Total assets are small relative to annual expenses; liquid coverage is unknown and reported officer compensation is a large share of total spending, which may reflect staffing concentration.

Rating breakdown

  • Financial Efficiency: 69
  • Transparency & Controls: 100
  • Sustainability: 42
  • Growth: NotEnoughData

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 65.1%; rating input score 65
  • Program expense ratio: 75.5%; rating input score 76

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100

Sustainability

  • Operating margin: 13.8%; rating input score 62; 62nd percentile among comparable filings
  • Total-asset coverage ratio: 0.53; rating input score 40; 40th percentile among comparable filings
  • Liabilities to assets ratio: Limited
  • Officer compensation ratio: 33.8%; rating input score 11; 11th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: Limited
  • Asset growth: Limited

Details

  • Where the money goes: 65.1% of revenue deployed · 75.5% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 3 filed program accomplishments · $89K in reported program spending
  • Leadership: top reported pay $0 · 9 people listed
  • Consistency: 8 of 8 current checks pass
  • Schedules: 4 filed schedules
  • Contacts: How to reach this organization
  • Money network: 4 filed money-flow records
  • Related organizations: Filed and resolved organization relationships.
  • 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.

  • Moderate — Sustainability: Total-asset coverage ratio scored 40/100.
  • High — Sustainability: Officer compensation ratio scored 11/100.