Civic Intelligence

Common Wealth Associates Inc

EIN 30-0842673 • 501(c)3 • Charlotte, NC

Profile

To equip low-income wage earners with increased financial capability so they can attain financial stability and decrease reliance on charitable assistance. This is achieved through a trauma-informed approach including education, personalized counseling, access to banking, and no-interest loans.

5301 Wilkinson BlvdCharlotte, NC 28208

www.commonwealthcharlotte.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

33rd percentile

0.01x

Higher debt load relative to assets than 33% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

32nd percentile

0.02x

Higher debt load relative to revenue than 32% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Net Margin

14th percentile

-22%

Higher net margin than 14% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

57th percentile

6.4%

Faster asset growth than 57% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2025

Revenue Growth

34th percentile

-0.7%

Faster revenue growth than 34% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2025

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Down

$1,634,934

Down $259,211 (-14%) from 2024

Liabilities

Up

$18,444

Up $2,922 (+19%) from 2024

Net Assets

Down

$1,616,490

Down $262,133 (-14%) from 2024

Operations
Liabilities / Revenue32nd percentileNet Margin14th percentile

Revenue

Down

$1,191,040

Down $747,446 (-39%) from 2024

Expenses

Up

$1,453,173

Up $141,660 (+11%) from 2024

Net Income

Down

-$262,133

Down $889,106 (-142%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth57th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0M$1.5M$1.0M$500K$0Assets 2018: $275,606Liabilities 2018: $0Net Assets 2018: $275,6062018Assets 2019: $334,634Liabilities 2019: $6,410Net Assets 2019: $328,2242019Assets 2020: $958,487Liabilities 2020: $82,455Net Assets 2020: $876,0322020Assets 2021: $1,144,814Liabilities 2021: $21,198Net Assets 2021: $1,123,6162021Assets 2022: $1,358,848Liabilities 2022: $2,403Net Assets 2022: $1,356,4452022Assets 2023: $1,254,720Liabilities 2023: $3,070Net Assets 2023: $1,251,6502023Assets 2024: $1,894,145Liabilities 2024: $15,522Net Assets 2024: $1,878,6232024Assets 2025: $1,634,934Liabilities 2025: $18,444Net Assets 2025: $1,616,4902025

Highlighted filing

2025

Assets$1,634,934
Liabilities$18,444
Net Assets$1,616,490
Open 2025 Filing

Operations Trend

Revenue Growth34th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.0M$0-$1.0MRevenue 2018: $335,726Expenses 2018: $274,112Net Income 2018: $61,6142018Revenue 2019: $386,859Expenses 2019: $348,276Net Income 2019: $38,5832019Revenue 2020: $1,220,201Expenses 2020: $672,393Net Income 2020: $547,8082020Revenue 2021: $995,368Expenses 2021: $747,784Net Income 2021: $247,5842021Revenue 2022: $1,217,471Expenses 2022: $984,642Net Income 2022: $232,8292022Revenue 2023: $1,153,438Expenses 2023: $1,258,233Net Income 2023: -$104,7952023Revenue 2024: $1,938,486Expenses 2024: $1,311,513Net Income 2024: $626,9732024Revenue 2025: $1,191,040Expenses 2025: $1,453,173Net Income 2025: -$262,1332025

Highlighted filing

2025

Revenue$1,191,040
Expenses$1,453,173
Net Income-$262,133
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,634,934
Liabilities
$18,444
Net assets
$1,616,490
Revenue
$1,191,040
Expenses
$1,453,173
Net income
-$262,133
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.63$0.02$1.62$1.19$1.45$0.26
2024Detailed filing. Detailed filing data is available for this year.$1.89$0.02$1.88$1.94$1.31$0.63
2023Detailed filing. Detailed filing data is available for this year.$1.25$0.00$1.25$1.15$1.26$0.10
2022Detailed filing. Detailed filing data is available for this year.$1.36$0.00$1.36$1.22$0.98$0.23
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.14$0.02$1.12$1.00$0.75$0.25
2020Detailed filing. Detailed filing data is available for this year.$0.96$0.08$0.88$1.22$0.67$0.55
2019Detailed filing. Detailed filing data is available for this year.$0.33$0.01$0.33$0.39$0.35$0.04
2018Detailed filing. Detailed filing data is available for this year.$0.28$0.00$0.28$0.34$0.27$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Nov 11, 2025
Return Version
2024v5.2
Gross Receipts
$1,196,553
Mission and Program Overview

Mission

To empower Charlotte's low wage workers to achieve financial independence through innovative education and financial products.

To equip low-income wage earners with increased financial capability so they can attain financial stability and decrease reliance on charitable assistance. This is achieved through a trauma-informed approach including education, personalized counseling, access to banking, and no-interest loans.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,104,042$969,526▼ $134,516
Pledges and Grants Receivable$412,900$278,447▼ $134,453
Investments Other Securities$203,260$212,724▲ $9,464
Other Notes and Loans Receivable, Net$173,382$169,655▼ $3,727
Prepaid Expenses and Deferred Charges$561$4,582▲ $4,021
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$1,894,145$1,634,934▼ $259,211
Other Assets Total-$0-
Liabilities
Other Liabilities-$16,257-
Deferred Revenue$9,700--
Accounts Payable and Accrued Expenses$5,822$2,187▼ $3,635
Total Liabilities$15,522$18,444▲ $2,922
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,198,839$1,237,560▲ $38,721
Net Assets With Donor Restrictions$679,784$378,930▼ $300,854
Total Net Assets Fund Balance$1,878,623$1,616,490▼ $262,133
Total Liabilities and Net Assets / Fund Balance$1,894,145$1,634,934▼ $259,211
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Chuck JonesExecutive DirectorFT$139,944$4,558$144,502

Board Members and Trustees

NameTitle
Kayla TaylorBoard Chair
Vanessa HallBoard Secretary
Faye GaddyBoard Treasurer
Barbara MeeksDirector
Brian LiDirector
Devin NoralesDirector
Kim SloatDirector
Pamela HutsonDirector
Raquishela StewartDirector
Rukiya KellyDirector
Sam SmithDirector
Vanessa ClarkDirector
Amy JacobsSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$1,134,844
Program Service Revenue
$0
Investment Income
$34,209
Other Revenue
$21,987
All Other Contributions
$1,134,844
Change in Net Assets
$-262,133

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,191,040
Revenue Not Reported on Form 990
$24,000
Total Revenue per Audited Statements
$1,215,040
Total Revenue per Form 990
$1,191,040
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,031,189
Other Expenses$380,575
Total Fundraising Expense$160,920
Grants and Similar Amounts Paid$41,409
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$653,629$61,475$28,702$743,806
Fees for Services Other$76,674$18,796$77,412$172,882
Current Officers, Directors, Trustees, and Key Employees$57,801$57,801$28,900$144,502
Payroll Taxes$59,720$10,014$4,836$74,570
Other Employee Benefits$55,393$5,726$7,192$68,311
Grants to Domestic Individuals$41,409--$41,409
Office Expenses$16,118$1,189$4,529$21,836
Insurance$8,203$11,648$726$20,577
Information Technology$13,513$6,395$628$20,536
Advertising$10,477$87$7,827$18,391
Travel$10,651$886$27$11,564
Other Expenses$11,420$4,170-$4,170
All Other Expenses$414$1,543$141$2,098
Total Functional Expenses$1,111,682$180,571$160,920$1,453,173

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$1,477,173
Expenses per Audited Statements$1,453,173
Total Expenses per Form 990$1,453,173
Expenses Not Reported on Form 990$24,000
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$27,500
Fundraising Direct Expenses$5,513
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Fundraising$27,500$27,500$1,167$26,333
Total Events$27,500$27,500$5,513$21,987
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Refundable Advance$16,257
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
Yes
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

“All board members were sent a copy of the form 990 for their review and approval”

Form 990, Part VI, Section C, Line 19

“Available upon request”

Filing and Contact Details

Filer

Filer Name
Common Wealth Associates Inc
EIN
30-0842673
Phone
9806361262
Address
5301 Wilkinson Blvd, Charlotte, NC 28208

Signing Officer

Name
Chuck Jones
Title
Executive Director
Signed
2025-11-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Chuck Jones
Formed
2014
Legal Domicile
Nc
Voting Board Members
13
Independent Board Members
13
Employees
16
Volunteers
200

Preparer

Firm
Foard and Company PA
Address
1347 Harding Place, Charlotte, NC 28204
Preparer
Garrett Summers
Phone
7043721515
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IRS990/MissionDesc0To equip low-income wage earners with increased financial capability so they can attain financial stability and decrease reliance on charitable assistance. This is achieved through a trauma-informed approach including education, personalized counseling, access to banking, and no-interest loans.
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IRS990/PrincipalOfficerNm0Chuck Jones
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IRS990/ProgSrvcAccomActy2Grp/Desc0VITA Latino exists to build relationships within the Latinx community, laying foundations which lead to trust-based counseling and easier access to reliable credit union services. VITA Latino has to date served 3,102 individuals with 1,549 filings accounting for $2,150,508 in refunds, and $479,050 in tax preparation savings. It has also delivered $784,176 in federal and state income taxes paid.
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IRS990/ProgSrvcAccomActy3Grp/Desc0Financial literacy education, including workshops and certified one-to-one credit counseling focused on creating and reviewing a balanced spending plan, a deep dive into credit reports, identifying strategic pay-off of debt items, recognizing the high cost of predatory financial products, and rebanking at non-predatory financial institutions.
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