Love Inc of Staunton Waynesboro and Augusta

Nonprofit profile at a glance

EIN
453201020
IRS 990 coverage
2016–2025
Forms available
Form 990 2025, Form 990-EZ 2015
Location
Fishersville, VA, USA
Phone
5402212955
Rating
82
Verdict
STRONG
Rating confidence
Moderate
Sector
Emergency Assistance
Affiliation
Christianity

Official website

Reported finances

Revenue
$1,291,004
Expenses
$1,326,560
Assets
$210,175
Liabilities
$4,543

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

Leadership & pay

15 people listed

Executive titles in this filing

  • DEBRAH RAMSEY (EXECUTIVE DIRECTOR)

Highest reported compensation

  • WILLIAM ROBERTS (MINISTRY DIRECTOR): $58,856 total reported compensation
  • DEBRAH RAMSEY (EXECUTIVE DIRECTOR): $58,391 total reported compensation
  • ETHAN COLVIN (OPERATIONS DIRECTOR): $58,077 total reported compensation

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

Overview

Mission

Faith-based services for the needy mobilizing churches to transform lives and communities.

What it reported doing in 2025

In 2025, the organization implemented a neighbor development initiative through a neighbor development coordinator to assist participants in establishing individual transformation plans (itps) with measurable goals and follow-up support. The cyl program provides life skills instruction and individualized support, with a concurrent childrens program. Participants meeting program requirements receive vouchers for essential goods and services.

Operating model

Revenue model
Earned-program. 70% of the money available for current operations came from fees and other program revenue.
Distribution model
Direct operator. The filing allocates 96% 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.
  • Includes noncash contributions: Reported contributions include donated property or goods.

The verdict

STRONG - 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: 87
  • Transparency & Controls: 94
  • Accountability: 63
  • Sustainability: 23
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 91.3%; rating input score 91
  • Program expense ratio: 89.4%; rating input score 89
  • Fundraising efficiency: $26.83 raised per $1 spent on fundraising; rating input score 63; 63rd percentile among comparable filings

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; 78th 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; 64th percentile among comparable filings
  • Governance controls: 1 of 8 controls in place; rating input score 12
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: Fail
    • 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: -2.8%; rating input score 23; 23rd percentile among comparable filings
  • Total-asset coverage ratio: 0.16; rating input score 9; 9th percentile among comparable filings
  • Liabilities to assets ratio: 0.02; rating input score 53; 53rd percentile among comparable filings
  • Officer compensation ratio: 13.2%; rating input score 29; 29th percentile among comparable filings

Growth

  • Program expense growth: 18.4% per year; rating input score 100; 77th percentile among comparable filings
  • Revenue growth: 18% per year; rating input score 100; 80th percentile among comparable filings
  • Asset growth: 14.4% per year; rating input score 100; 68th percentile among comparable filings

Details

  • Where the money goes: 91.3% of revenue deployed · 89.4% of spending went to programs
  • Governance: 15 of 15 board members independent · 1 of 8 filing controls reported
  • Programs: 4 filed program accomplishments · $1.2M in reported program spending
  • Leadership: top reported pay $59K · 15 people listed
  • Consistency: 29 of 29 current checks pass
  • Schedules: 6 filed schedules · includes major donors and grants
  • Filing history: 9 filing years from 2016 to 2025
  • Contacts: How to reach this organization
  • Money network: 6 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: 6 of 7 not reported.
  • High — Sustainability: Operating margin scored 23/100.
  • High — Sustainability: Total-asset coverage ratio scored 9/100.
  • High — Sustainability: Officer compensation ratio scored 29/100.
  • Review — Sustainability: Liabilities to assets ratio scored 53/100.