Crossroads at Delta Memory

Nonprofit profile at a glance

EIN
471262846
IRS 990 coverage
2014–2025
Forms available
Form 990 2025
Location
Roseville, CA, USA
Phone
9167747700
Rating
80
Verdict
STRONG
Rating confidence
Moderate

Reported finances

Revenue
$2,087,313
Expenses
$1,835,002
Assets
$2,740,652
Liabilities
$2,574,317

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

Leadership & pay

10 people listed

Executive titles in this filing

  • Don Noble (President)
  • Sarah Dubs (Executive Director)

Highest reported compensation

  • Matthew Bushnell (Program and Sales Manager): $139,432 total reported compensation
  • Don Noble (President): $130,377 total reported compensation
  • Sarah Dubs (Executive Director): $118,211 total reported compensation

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

Overview

Mission

Operation of a Memory Care Assisted Living Facility

Operating model

Revenue model
Earned-program. 100% of the money available for current operations came from fees and other program revenue.
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. A relatively small share of voting board members are independent and some related-organization disclosures are missing.

Rating breakdown

  • Financial Efficiency: 82
  • Transparency & Controls: 90
  • Accountability: 67
  • Sustainability: 52
  • Growth: 80

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 87.9%; rating input score 88
  • 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: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Scored; rating input score 0

Accountability

  • Independent voting board: 42.9%; rating input score 43; 10th percentile among comparable filings
  • Governance controls: 9 of 9 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: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 12.1%; rating input score 60; 60th percentile among comparable filings
  • Total-asset coverage ratio: 1.49; rating input score 48; 48th percentile among comparable filings
  • Liabilities to assets ratio: 0.94; rating input score 3; 3rd percentile among comparable filings
  • Officer compensation ratio: 1.4%; rating input score 77; 77th percentile among comparable filings

Growth

  • Program expense growth: 14.2% per year; rating input score 100; 73rd percentile among comparable filings
  • Revenue growth: 16.4% per year; rating input score 100; 82nd percentile among comparable filings
  • Asset growth: -1.3% per year; rating input score 0; 7th percentile among comparable filings

Details

  • Where the money goes: 87.9% of revenue deployed · 100% of spending went to programs
  • Governance: 3 of 7 board members independent · 9 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $1.8M in reported program spending
  • Leadership: top reported pay $139K · 10 people listed
  • Consistency: 27 of 27 current checks pass
  • Schedules: 5 filed schedules · includes related organizations
  • Filing history: 11 filing years from 2014 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • Related organizations: 4 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.

  • Moderate — Accountability: Independent voting board scored 43/100.
  • High — Transparency & Controls: Related-party transparency scored 0/100.
  • High — Growth: Asset growth scored 0/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 48/100.
  • High — Sustainability: Liabilities to assets ratio scored 3/100.