Civic Intelligence

Crusaders Central Clinic Association

990 • Fiscal year 2023 • EIN 23-7076080

Jul 01, 2022 to Jun 30, 2023 • Filed on Sep 26, 2023

Refreshing map…

1200 West State StreetRockford, IL 61102

(815) 490-1600

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

26th percentile

0.07x

Higher debt load relative to assets than 26% of similar nonprofits.

2023 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2023

Liabilities / Revenue

19th percentile

0.11x

Higher debt load relative to revenue than 19% of similar nonprofits.

2023 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2023

Net Margin

67th percentile

10%

Higher net margin than 67% of similar nonprofits.

2023 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2023

Top Officer Pay

74th percentile

$557,553

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

2023 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2023

Asset Growth

55th percentile

7.5%

Faster asset growth than 55% of similar nonprofits.

2023 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2022 to 2023

Revenue Growth

34th percentile

-2.8%

Faster revenue growth than 34% of similar nonprofits.

2023 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2022 to 2023

Assets

Up

$96,027,695

Up $6,673,099 (+7.5%) from 2022

Net Assets

Up

$89,399,770

Up $6,425,108 (+7.7%) from 2022

Liabilities

Up

$6,627,925

Up $247,991 (+3.9%) from 2022

Revenue

Down

$58,118,479

Down $1,669,273 (-2.8%) from 2022

Expenses

Up

$52,298,696

Up $3,631,961 (+7.5%) from 2022

Net Income

Down

$5,819,783

Down $5,301,234 (-48%) from 2022

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$100M$50M$0Assets 2010: $22,174,406Liabilities 2010: $3,441,648Net Assets 2010: $18,732,7582010Assets 2012: $32,278,186Liabilities 2012: $2,715,988Net Assets 2012: $29,562,1982012Assets 2013: $36,050,458Liabilities 2013: $3,325,256Net Assets 2013: $32,725,2022013Assets 2014: $39,826,556Liabilities 2014: $3,370,361Net Assets 2014: $36,456,1952014Assets 2015: $46,596,081Liabilities 2015: $4,392,073Net Assets 2015: $42,204,0082015Assets 2016: $52,628,689Liabilities 2016: $4,862,030Net Assets 2016: $47,766,6592016Assets 2017: $57,715,650Liabilities 2017: $5,161,692Net Assets 2017: $52,553,9582017Assets 2018: $62,883,579Liabilities 2018: $4,428,679Net Assets 2018: $58,454,9002018Assets 2019: $70,253,033Liabilities 2019: $6,071,891Net Assets 2019: $64,181,1422019Assets 2021: $89,366,480Liabilities 2021: $11,879,033Net Assets 2021: $77,487,4472021Assets 2022: $89,354,596Liabilities 2022: $6,379,934Net Assets 2022: $82,974,6622022Assets 2023: $96,027,695Liabilities 2023: $6,627,925Net Assets 2023: $89,399,7702023

Highlighted filing

2023

Assets$96,027,695
Liabilities$6,627,925
Net Assets$89,399,770

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$60M$40M$20M$0Expenses 2010: $25,574,1222010Expenses 2012: $28,008,5672012Expenses 2013: $30,687,3742013Revenue 2014: $35,607,316Expenses 2014: $32,472,391Net Income 2014: $3,134,9252014Revenue 2015: $40,216,863Expenses 2015: $34,421,541Net Income 2015: $5,795,3222015Revenue 2016: $42,273,882Expenses 2016: $36,720,434Net Income 2016: $5,553,4482016Revenue 2017: $45,602,397Expenses 2017: $40,682,553Net Income 2017: $4,919,8442017Revenue 2018: $49,055,727Expenses 2018: $43,780,715Net Income 2018: $5,275,0122018Revenue 2019: $49,746,347Expenses 2019: $45,416,991Net Income 2019: $4,329,3562019Revenue 2021: $53,785,770Expenses 2021: $47,110,837Net Income 2021: $6,674,9332021Revenue 2022: $59,787,752Expenses 2022: $48,666,735Net Income 2022: $11,121,0172022Revenue 2023: $58,118,479Expenses 2023: $52,298,696Net Income 2023: $5,819,7832023

Highlighted filing

2023

Revenue$58,118,479
Expenses$52,298,696
Net Income$5,819,783
Jump To
Filing Snapshot
Filing Period
Jul 1, 2022 to Jun 30, 2023
Signed
Sep 26, 2023
Return Version
2022v5.0
Gross Receipts
$59,586,976
Mission and Program Overview

Mission

Crusader community health serves the rock river valley area with quality primary care for all people in need.

Crusader community health is a community-based, not-for-profit community health center. See schedule o for more information.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$39,771,351$43,228,833▲ $3,457,482
Land, Buildings, and Equipment, Net$28,425,221$30,211,242▲ $1,786,021
Savings and Temporary Cash Investments$9,735,638$10,412,148▲ $676,510
Accounts Receivable$2,545,220$2,257,503▼ $287,717
Prepaid Expenses and Deferred Charges$241,615$329,107▲ $87,492
Inventories for Sale or Use$65,715$82,193▲ $16,478
Pledges and Grants Receivable$934$1,010▲ $76
Cash and Non-Interest-Bearing Accounts$0$0→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Intangible Assets$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$89,354,596$96,027,695▲ $6,673,099
Other Assets Total$8,568,902$9,505,659▲ $936,757
Liabilities
Accounts Payable and Accrued Expenses$6,317,466$6,529,466▲ $212,000
Deferred Revenue$62,468$98,459▲ $35,991
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$6,379,934$6,627,925▲ $247,991
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$76,279,499$82,491,516▲ $6,212,017
Net Assets With Donor Restrictions$6,695,163$6,908,254▲ $213,091
Total Net Assets Fund Balance$82,974,662$89,399,770▲ $6,425,108
Total Liabilities and Net Assets / Fund Balance$89,354,596$96,027,695▲ $6,673,099

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$23,101,915$14,320,811$37,422,726
Equipment$2,268,821$5,444,396$7,713,217
Land$3,050,534-$3,050,534
Other Land Buildings$1,789,972$784,630$2,574,602
Other Assets Org$2,597,405--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Antoun Al KhabbazWhs - Dept ChairFT$460,155$97,398$557,553
Samuel MillerCEOFT$368,720$123,257$491,977
Karen MosesPhysicianFT$290,996$64,691$355,687
Vanessa NienhousePhysicianFT$292,113$52,221$344,334
Carly KrusePhysicianFT$279,206$25,872$305,078
Maria Castillo ClavijoPhysicianFT$228,733$58,990$287,723
Nivedita KarmakarPhysicianFT$230,169$53,004$283,173
Terry WhiteCOOFT$227,964$43,842$271,806
Kimberly MillerFamily Medicine - Dept ChairPT$233,283$18,737$252,020
Gary FernandoCMOPT$205,521$35,926$241,447
Elizabeth HenningVP of Risk ManagementFT$176,144$40,649$216,793
Kerin CumminsCrusadernow LeadFT$132,854$58,881$191,735
Dina GirgisDental - Dept ChairFT$164,933$25,808$190,741
Luis DelgadoVP FinanceFT$131,401$53,707$185,108

Board Members and Trustees

NameTitle
Catherine BrownCHAIR; PAST CHAIR BEG 01/23
David RuffinDIRECTOR; VICE CHAIR BEG 01/23
Richard WalshVICE CHAIR; CHAIR BEG 01/23
Carol JacksonDirector
David PowellDirector
Eddie ValdesDirector
Janice ForrestDirector
Kris HardenDirector
Leon HansenDirector
Luz RamirezDirector
Peter MazanecDirector
Barbara WilliamsDirector End 03/23
Dennis RoopDIRECTOR; TREASURER BEG 01/23
James MillikinTREASURER END 12/23; DIRECTOR

Highest Paid Contractors

ContractorServicesLocationCompensation
Schmelling ConstructionConstruction315 HARRISON AVE, Rockford, IL 61104$2,799,539
Klh ConsultingIt Consulting2324 BETHARDS DR, Santa Rosa, CA 95405$842,357
Furst Staffing ServicesTemporary Staff2580 CHARLES ST, Rockford, IL 61108$497,286
Eclinicalworks LLCEmr Maintenance2 TECHNOLOGY DR, Westborough, MA 01581$426,939
Vans Building Service INCJanitorial633 PROGRESSIVE LN UNIT 1, Rockford, IL 61108$351,542
Revenue and Support

Revenue Composition

Contributions and Grants
$14,888,750
Program Service Revenue
$41,632,471
Investment Income
$1,586,291
Other Revenue
$10,967
All Other Contributions
$131,895
Change in Net Assets
$5,819,783

Audited Revenue Reconciliation

Revenue per Audited Statements
$58,118,479
Revenue Not Reported on Form 990
$392,234
Total Revenue per Audited Statements
$58,510,713
Total Revenue per Form 990
$58,118,479
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$33,851,423
Other Expenses$18,436,273
Grants and Similar Amounts Paid$11,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$21,764,195$3,664,943-$25,429,138
Fees for Services Other$3,097,242$1,250,474-$4,347,716
Other Employee Benefits$2,743,575$605,743-$3,349,318
Current Officers, Directors, Trustees, and Key Employees$1,846,002$753,178-$2,599,180
Depreciation Depletion$1,893,002$349,192-$2,242,194
Payroll Taxes$1,757,416$196,124-$1,953,540
Occupancy$798,719$147,335-$946,054
Office Expenses$479,326$180,083-$659,409
Pension Plan Contributions$441,324$78,923-$520,247
Information Technology$154,525$195,878-$350,403
Fees for Services Legal-$191,860-$191,860
Travel$92,746$79,070-$171,816
Conferences and Meetings$116,487$37,985-$154,472
Fees for Services Accounting-$138,658-$138,658
Advertising-$74,374-$74,374
Other Expenses$115,412$55,659-$55,659
Grants to Domestic Orgs$11,000--$11,000
Total Functional Expenses$43,801,649$8,497,047$0$52,298,696

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$52,298,696
Total Expenses per Audited Statements$52,298,696
Total Expenses per Form 990$52,298,696
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Rock Valley CollegeRockfod, IL501(c)(3)To Fund Scholarships for Ma Students$11,000
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
Yes
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

The form 990 is prepared by an independent accounting firm based on the audited financial statements and information provided by the finance department of the organization. The ceo reviews the form 990. A final draft of the return is emailed to all board members before filing.

Form 990, Part VI, Section B, Line 12C

Conflict of interest monitoring: the corporation prohibits staff members or members of the board of directors from using their position for purposes that are, or give the appearance of being, motivated by a desire for private financial gain for themselves or others with whom they have family business of other ties. Board members and executive management disclose in writing (and updated yearly) all business and family relationships which might potentially create a conflict. In addition, the individual staff member with an actual or potential conflict is prohibited from involvement in the selection, award and administration of any such contract; a conflicted board member disqualifies himself/herself from voting and commenting on the contractor's selection and any monitoring or oversight function.

Form 990, Part VI, Section B, Line 15A & B

Process for determining compensation: annually the ceo's compensation review is conducted by the executive committee of the board, with approval by the full board. The iphca, mgma and nachc compensation surveys are used as comparability data. The process is documented in a report referenced by the executive committee minutes and the board minutes of the organization.

Form 990, Part VI, Section C, Line 19

The organization makes its governing documents, conflict-of-interest policy, and financial statements available to the public upon request. The documents would be available for viewing at the organization's office.

Filing and Contact Details

Filer

Filer Name
Crusaders Central Clinic Association
EIN
23-7076080
In Care Of
% LUIS DELGADO
Phone
8154901600
Address
1200 WEST STATE STREET, ROCKFORD, IL 61102
Doing Business As
Crusader Community Health

Signing Officer

Name
Samuel Miller
Title
CEO
Phone
8154901600
Signed
2023-09-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Samuel Miller
Formed
1972
Legal Domicile
Il
Voting Board Members
13
Independent Board Members
13
Employees
462
Volunteers
13

Preparer

Firm
Forvis Llp
Address
910 E ST LOUIS 200/PO BOX 1190, SPRINGFIELD, MO 65806-2523
Preparer
Krystal K Creach
Phone
4178658701
Supplemental Narrative

Additional Explanations

Form 990, Part 1, Line 1

Organization general information: since 1972, crusader community health has strived to ensure that all persons in our community have access to quality, primary health care. Crusader community health is a community-based, not-for-profit corporation, whose mission is to serve the rock river valley with quality, primary health care for all people in need. Crusader community health plays a vital health care role in this community, serving patients unable to afford the rising cost of health care. While there are no restrictions on who can utilize its services, crusader specializes in serving medically underserved individual - the homeless, families in poverty, high-risk pregnant women, persons with hiv/aids, the elderly and those with chronic diseases. Without crusader, a broad and growing segment of the community would fail to receive the primary health care that reduces the cost of catastrophic illness. Medical services are provided on an affordable sliding discount basis and integrate health promotion and disease prevention into a program of comprehensive health care.

Form 990, Part III, Line 4A

Medical services: pediatrics the pediatric department offers a wide range of services for children, including care for newborns through adolescence. Crusader community health utilizes board-certified pediatricians, family practitioners, nurse practitioners and physician assistants to deliver care for children. Some of the services available include: immunizations, well-child checks, lead screening, attention deficit disorder (add), asthma education and treatment and medical treatment for acute conditions. Adults for adult patients, crusader provides preventative care and diagnosis and treatment for a wide range of acute and chronic diseases. Care is delivered through a team of board-certified medical providers. Some of the specific services available include: chronic disease management, medical treatment for acute conditions, physicals, diabetes education and treatment, health education services, asthma education and treatment, immunizations, laboratory services, and minor injury care. Behavioral health services are provided by licensed clinical social workers and licensed clinical professional counselors on-site at each of our locations. The behavioral health specialists schedule appointments and also play an important role by being embedded on the medical units to be available when a behavioral health issue arisesduring routine medical appointments. Specialty services a range of specialty services are available to crusader community health patients, some of which include: podiatry and infectious disease. To better serve our pediatric and adult patients, crusaders offers walk-in clinics at three convenient locations, broadway, alpine, and west state.

Form 990, Part III, Line 4D

Other program services: crusader community health provides other programs through its ancillary and community services as outlined below. Hiv services since 1991, the living with hiv program of crusader community health has provided services to individuals with hiv/aids. Embracing the goal of assuring client access to medical care, the program also provides assistance with transportation, linkage to social service programs, counseling, psychiatric services, and obtaining medications. Services are primarily provided at crusader community health west state street. Services are offered confidentially in a caring and supportive environment. In addition to providing services through its physician staff, crusader community health contracts with swedish american-infectious disease to provide additional support. Other services offered through a nurse practitioner, physician assistant, nurses, case managers and a licensed clinical social worker. Homeless services crusader community health's health care for the homeless program was established in 1988. Its mission is to provide comprehensive medical care for homeless individuals within the rockford area. The program consists of physicians, dentists, nurse practitioners, physician assistants, nurses and care managers committed to helping clients access medical services. Services are provided within crusader community health and at a variety of sites throughout the community. Health education the health education department offers intensive case management services for patients living with chronic diseases including diabetes, asthma, congestive heart failure (chf), and obesity (weight management). The department offers education services in both a classroom setting and one-to-one sessions in both english and spanish. The clinical staff of the program is made up of health educators. The department offers community programs throughout the area (primarily winnebago, boone and stephenson counties). Community services include blood glucose screenings for diabetes through the cosmopolitan diabetes program and public speaking engagements on a variety of health-related topics.

Form 990, Part XI, Line 9

Other changes in net assets or fund balances: $359,252 increase in net assets foundation

Financial Statement Notes

Schedule D, Part X, Line 2

Uncertain tax positions: management has evaluated their income tax positions under the guidance included in asc 740. Based on their review, management has not identified any material uncertain tax positions to be recorded or disclosed in the financial statements.

Schedule D, Part XI, Line 2D

Amounts included on line 1 but not on form 990, part viii, line 12: $ 146,141 net assets released from restrictions

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