St Charles Care Center Inc
Nonprofit profile at a glance
- EIN
- 610587819
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025
- Location
- Covington, KY, USA
- Phone
- 8593313224
- Rating
- 74
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Sector
- Nursing, Convalescent Facilities
Reported finances
- Revenue
- $11,434,107
- Expenses
- $7,209,607
- Assets
- $65,422,153
- Liabilities
- $2,629,176
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
9 people listed
Executive titles in this filing
- KAREN NICHOLE SMITH (PRESIDENT/CEO)
Highest reported compensation
- KAREN NICHOLE SMITH (PRESIDENT/CEO): $238,374 total reported compensation
- MARY MICHELLE BONAR (SECRETARY): $134,904 total reported compensation
- CHRISTINE CAMPOAMOR (CFO/ TREASURER): $127,076 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
It is the mission of st. Charles care center, inc. To serve the senior population and their families and to enrich one another in an atmosphere of mutual trust, willing cooperation, and sincere understanding. The senior population is served by providing housing, health care and other related services.
What it reported doing in 2025
St. Charles at home program provides personal care services to residents of the st. Charles community. The program includes cooking meals, doing household chores and monitoring if needed. St. Charles also operates a senior resource center (the center) that provides no-cost services to elders with financial need by assisting them to access healthcare and other needed services, providing assistive devices, other material goods, and other services. The cost of the center and the services it provides are funded primarily by the corporation. The recipients of these services pay nothing.
Operating model
- Revenue model
- Earned-program. 83% 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
SUPPORTED - A large share of total spending goes to programs and the filed numbers largely add up. A relatively small share of available resources goes toward mission work and fundraising costs are high for each dollar raised.
Rating breakdown
- Financial Efficiency: 61
- Transparency & Controls: 79
- Accountability: 92
- Sustainability: 80
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 58.9%; rating input score 59
- Program expense ratio: 84.1%; rating input score 84
- Fundraising efficiency: $2.44 raised per $1 spent on fundraising; rating input score 6; 6th percentile among comparable filings
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Missing
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 100%; rating input score 100; 76th percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 85.7%; rating input score 86; 16th 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: 36.9%; rating input score 87; 87th percentile among comparable filings
- Total-asset coverage ratio: 9.07; rating input score 84; 84th percentile among comparable filings
- Liabilities to assets ratio: 0.04; rating input score 80; 80th percentile among comparable filings
- Officer compensation ratio: 6.9%; rating input score 43; 43rd percentile among comparable filings
Growth
- Program expense growth: 4.5% per year; rating input score 100; 36th percentile among comparable filings
- Revenue growth: -0.5% per year; rating input score 0; 5th percentile among comparable filings
- Asset growth: 5.8% per year; rating input score 100; 40th percentile among comparable filings
Details
- Where the money goes: 58.9% of revenue deployed · 84.1% of spending went to programs
- Governance: 6 of 7 board members independent · 9 of 9 filing controls reported
- Programs: 4 filed program accomplishments · $6.1M in reported program spending
- Leadership: top reported pay $238K · 9 people listed · 2 of 6 pay-setting controls reported
- Highest-paid contractors: 2 contractors listed · $738K reported
- Consistency: 30 of 30 current checks pass
- Schedules: 9 filed schedules · includes major donors, grants, and executive pay
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 3 filed money-flow records
- Related organizations: 1 filed related-organization link
- 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: Mission deployment rate scored 59/100.
- High — Financial Efficiency: Fundraising efficiency scored 6/100.
- High — Growth: Revenue growth scored 0/100.
- Moderate — Sustainability: Officer compensation ratio scored 43/100.