Civic Intelligence

YWCA North Central Indiana Inc

EIN 35-0868226 • 501(c)3 • South Bend, IN

Profile

The ywca strengthens our community against violence and aggression. We provide immediate safety, lasting stability, independence, empowerment, and transformation for all. We are a source of hope.

1102 S Fellows StreetSouth Bend, IN 46601

ywcancin.org

Siviq Scores

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

Liabilities / Assets

42nd percentile

0.08x

Higher debt load relative to assets than 42% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

47th percentile

0.14x

Higher debt load relative to revenue than 47% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Net Margin

17th percentile

-13%

Higher net margin than 17% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

56th percentile

$143,044

Higher top officer pay than 56% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Asset Growth

18th percentile

-5.9%

Faster asset growth than 18% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

21st percentile

-9.9%

Faster revenue growth than 21% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Down

$7,600,834

Down $477,480 (-5.9%) from 2024

Liabilities

Down

$579,816

Down $1,058 (-0.2%) from 2024

Net Assets

Down

$7,021,018

Down $476,422 (-6.4%) from 2024

Operations
Liabilities / Revenue47th percentileNet Margin17th percentile

Revenue

Down

$4,193,270

Down $461,949 (-9.9%) from 2024

Expenses

Down

$4,758,446

Down $22,662 (-0.5%) from 2024

Net Income

Down

-$565,176

Down $439,287 (-349%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth18th percentile

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

$10M$5.0M$0Assets 2013: $6,421,788Liabilities 2013: $160,386Net Assets 2013: $6,261,4022013Assets 2014: $6,436,272Liabilities 2014: $174,979Net Assets 2014: $6,261,2932014Assets 2016: $7,083,447Liabilities 2016: $111,332Net Assets 2016: $6,972,1152016Assets 2017: $7,600,220Liabilities 2017: $197,381Net Assets 2017: $7,402,8392017Assets 2018: $7,134,024Liabilities 2018: $1,144,426Net Assets 2018: $5,989,5982018Assets 2019: $6,931,249Liabilities 2019: $1,114,444Net Assets 2019: $5,816,8052019Assets 2020: $6,661,260Liabilities 2020: $969,888Net Assets 2020: $5,691,3722020Assets 2021: $8,773,505Liabilities 2021: $922,323Net Assets 2021: $7,851,1822021Assets 2022: $8,060,041Liabilities 2022: $587,668Net Assets 2022: $7,472,3732022Assets 2023: $8,371,279Liabilities 2023: $1,062,639Net Assets 2023: $7,308,6402023Assets 2024: $8,078,314Liabilities 2024: $580,874Net Assets 2024: $7,497,4402024Assets 2025: $7,600,834Liabilities 2025: $579,816Net Assets 2025: $7,021,0182025

Highlighted filing

2025

Assets$7,600,834
Liabilities$579,816
Net Assets$7,021,018
Open 2025 Filing

Operations Trend

Revenue Growth21st percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2013: $2,290,2572013Revenue 2014: $2,474,648Expenses 2014: $2,508,060Net Income 2014: -$33,4122014Revenue 2016: $3,634,026Expenses 2016: $3,488,757Net Income 2016: $145,2692016Revenue 2017: $4,230,019Expenses 2017: $3,838,134Net Income 2017: $391,8852017Revenue 2018: $3,808,177Expenses 2018: $4,479,318Net Income 2018: -$671,1412018Revenue 2019: $3,779,906Expenses 2019: $3,914,885Net Income 2019: -$134,9792019Revenue 2020: $3,036,662Expenses 2020: $3,285,493Net Income 2020: -$248,8312020Revenue 2021: $5,354,639Expenses 2021: $3,414,637Net Income 2021: $1,940,0022021Revenue 2022: $3,705,052Expenses 2022: $3,714,149Net Income 2022: -$9,0972022Revenue 2023: $3,771,218Expenses 2023: $3,986,415Net Income 2023: -$215,1972023Revenue 2024: $4,655,219Expenses 2024: $4,781,108Net Income 2024: -$125,8892024Revenue 2025: $4,193,270Expenses 2025: $4,758,446Net Income 2025: -$565,1762025

Highlighted filing

2025

Revenue$4,193,270
Expenses$4,758,446
Net Income-$565,176
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,600,834
Liabilities
$579,816
Net assets
$7,021,018
Revenue
$4,193,270
Expenses
$4,758,446
Net income
-$565,176
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$7.60$0.58$7.02$4.19$4.76$0.57
2024Detailed filing. Detailed filing data is available for this year.$8.08$0.58$7.50$4.66$4.78$0.13
2023Detailed filing. Detailed filing data is available for this year.$8.37$1.06$7.31$3.77$3.99$0.22
2022Detailed filing. Detailed filing data is available for this year.$8.06$0.59$7.47$3.71$3.71$0.01
2021Detailed filing. Detailed filing data is available for this year.$8.77$0.92$7.85$5.35$3.41$1.94
2020Detailed filing. Detailed filing data is available for this year.$6.66$0.97$5.69$3.04$3.29$0.25
2019Detailed filing. Detailed filing data is available for this year.$6.93$1.11$5.82$3.78$3.91$0.13
2018Detailed filing. Detailed filing data is available for this year.$7.13$1.14$5.99$3.81$4.48$0.67
2017Detailed filing. Detailed filing data is available for this year.$7.60$0.20$7.40$4.23$3.84$0.39
2016Detailed filing. Detailed filing data is available for this year.$7.08$0.11$6.97$3.63$3.49$0.15
2014Detailed filing. Detailed filing data is available for this year.$6.44$0.17$6.26$2.47$2.51$0.03
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.42$0.16$6.26$2.29
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Mar 5, 2026
Return Version
2024v5.0
Gross Receipts
$4,887,404
Mission and Program Overview

Mission

The ywca strengthens our community against violence and aggression. We provide immediate safety, lasting stability, independence, empowerment, and transformation for all. We are a source of hope.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$3,577,169$3,423,324▼ $153,845
Investments in Publicly Traded Securities$2,416,350$1,972,334▼ $444,016
Pledges and Grants Receivable$365,987$488,735▲ $122,748
Cash and Non-Interest-Bearing Accounts$132,915$326,731▲ $193,816
Savings and Temporary Cash Investments$485,963$249,881▼ $236,082
Prepaid Expenses and Deferred Charges$30,283$67,432▲ $37,149
Total Assets$8,078,314$7,600,834▼ $477,480
Other Assets Total$1,069,647$1,072,397▲ $2,750
Liabilities
Accounts Payable and Accrued Expenses$347,353$376,743▲ $29,390
Deferred Revenue$233,521$103,073▼ $130,448
Mortgage Notes Payable Secured by Investment Property-$100,000-
Total Liabilities$580,874$579,816▼ $1,058
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,059,845$5,658,395▼ $401,450
Net Assets With Donor Restrictions$1,437,595$1,362,623▼ $74,972
Total Net Assets Fund Balance$7,497,440$7,021,018▼ $476,422
Total Liabilities and Net Assets / Fund Balance$8,078,314$7,600,834▼ $477,480

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,088,957$3,334,035$6,422,992
Equipment$217,296$323,856$541,152
Other Land Buildings$65,671$79,206$144,877
Land$51,400-$51,400
Other Assets Org$103,273--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024$1,515,545-▲ $204,210$123,773$1,595,982
2023$1,466,832-▲ $243,660$194,947$1,515,545
2022$1,616,582-▲ $24,784$174,534$1,466,832
2021$1,808,303-▼ $101,986$89,735$1,616,582
2020$1,585,270-▲ $273,559$50,526$1,808,303
Compensation and Service Providers
Top Officer Pay56th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susan TybonPresident/ceFT$133,840$9,204$143,044

Board Members and Trustees

NameTitle
Pam PlouharChairperson
Ann-marie ThomasDirector
Claude DonatiDirector
Debbie SmogorDirector
Gregg ForeDirector
Kasi HornbackDirector
Kathleen BrickleyDirector
Kristin Baum PhairDirector
Laurie HolstDirector
Mary StancombeDirector
Meghan SinkDirector
Myra ReidDirector
Tom LeeDirector
William J DoyleDirector
Yolanda ConnerDirector
Amy HillCEO
Cilissa MellottSecretary
Martha AyresTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Anthem Blue Corss Blue ShieldHealth InsurancPO BOX 645438, SUITE 200, Cincinnati, OH 45264$141,116
United HealthcareHealth InsurancPO BOX 94017, Palatine, IL 60094$138,066
Terri RussLegal Advocacy1302 WOODWARD AVENUE, South Bend, IN 46616$120,940
Kruggel LawtonAccounting210 S MICHIGAN STREET, South Bend, IN 46601$117,157
Revenue and Support

Revenue Composition

Contributions and Grants
$3,235,049
Program Service Revenue
$628,570
Investment Income
$303,242
Other Revenue
$26,409
All Other Contributions
$1,458,668
Change in Net Assets
$-565,176

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
No
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeReported AmountValuation Method
Clothing and Household Goods$206,645Estimated Fair Market Value (FMV)
Total Noncash Contributions$206,645-

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,174,736
Revenue Not Reported on Financial Statements
$18,534
Revenue Not Reported on Form 990
$88,754
Total Revenue per Audited Statements
$4,263,490
Total Revenue per Form 990
$4,193,270
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,999,706
Other Expenses$1,635,350
Total Fundraising Expense$446,476
Grants and Similar Amounts Paid$123,390
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,703,542$459,471$220,678$2,383,691
Occupancy$219,409$28,030$16,552$263,991
Depreciation Depletion$189,086$22,510$13,506$225,102
Payroll Taxes$169,007$31,866$17,595$218,468
Other Employee Benefits$157,623$25,708$16,410$199,741
Current Officers, Directors, Trustees, and Key Employees-$164,004-$164,004
All Other Expenses$59,554$37,798$38,540$135,892
Fees for Services Legal$126,101$2,713-$128,814
Fees for Services Accounting$21,088$104,941$2,196$128,225
Grants to Domestic Individuals$123,390--$123,390
Fees for Services Other$51,658$37,765$4,752$94,175
Office Expenses$73,276$8,731$4,945$86,952
Information Technology$39,383$22,576$3,878$65,837
Other Expenses$46,115$8,596$4,746$59,457
Insurance$30,718$5,791$3,198$39,707
Pension Plan Contributions$1,676$31,951$175$33,802
Fees for Service Investment Mgmnt Fees-$18,534-$18,534
Travel$13,064$2,932$1,406$17,402
Interest$659$7,424$69$8,152
Total Functional Expenses$3,227,540$1,084,430$446,476$4,758,446

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$4,758,446
Expenses per Audited Statements$4,739,912
Total Expenses per Audited Statements$4,739,912
Expenses Not Reported on Financial Statements$18,534
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$66,315
Fundraising Direct Expenses$66,314
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Save Our Shelte$404,831$43,822-$43,822
Tribute to Wome$74,041$14,877-$14,877
Total Events$542,072$66,315$66,314$1
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“The entire board reviewed a draft of the tax return at their february 2026 meeting, at which it was approved for filing.”

Form 990, Page 6, Part VI, Line 12C

“Each year, each board member and each employee signs-off on the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 15A

“The compensation of the ceo is established by the independent finance committee after a performance review and after a review of comparability data.”

Form 990, Page 6, Part VI, Line 19

“The organization's governing documents, conflict of interest policy, and financial statements are provided to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Ywca North Central Indiana Inc
EIN
35-0868226
Phone
5742339491
Address
1102 S FELLOWS STREET, SOUTH BEND, IN 46601

Signing Officer

Name
Amy Hill
Title
CEO
Phone
5742339491
Signed
2026-03-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Amy Hill
Formed
1903
Legal Domicile
In
Voting Board Members
16
Independent Board Members
16
Employees
96
Volunteers
96

Preparer

Firm
Dwc Cpas LLC
Address
3454 DOUGLAS RD, SOUTH BEND, IN 46635
Preparer
Brian Oberlie CPA
Phone
5742339366
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4B

“Long-term housing. The ywca supportive housing program provided to victims of domestic violence with and without children who are fleeing a life of violence in their homes. The ywca offers supportive housing units within the st. Joseph county facility, with these units a client will receive case management services, life skills education, financial literacy education, empowerment groups and services, free meals and childcare help to allow the client to attend classes, groups, counseling, case management, work, education, job training, etc. For two years as they work towards their goals and independence. The supportive housing program is designed to meet the client where they are and gives them a safe place to live for 90 days to 18 months. These supportive housing programs have assisted 74 individuals; 30 adults and 44 children in fy 2025.”

Form 990, Page 2, Part III, Line 4D

“Substance use services. The ywca is the only organization in the state that allows children over 5 years old to come into treatment with their mothers. This program is the only program specifically designed for women provided by the ywca. This innovative, women centered 16-step program lasts 6-8 weeks which is followed up by up to 12 months of after-care. The ywca provided this service to 123 women struggling wth addiction in fy 2025. We also provided dual treatment programs (includes combo of domestic violence and substance use treatment) to 140 individuals in fy 2025.”

Form 990, Part XI, Line 9

“Change in beneficial interests 30,718”

Financial Statement Notes

Schedule D, Page 2, Part V, Line 4

“Income from the portion of the endowment that is board designated and from most of the endowment that is temporarily restricted is used for supporting the organization's programs. Income from a portion of the endowment that is temporarily restricted and from all of the endowment that is permanently restricted is used to support the organization's programs in in elkhart county, per the donor's instructions.”

Schedule D, Page 3, Part X

“We recognize the tax benefit from an uncertain tax position only if it is more likely than not that the position will be sustained on examination by taxing authorities based on the technical merits of the position. The tax benefits recognized in the financial statements from such a position are measured based on the largest benefit that has a greater than 50% likelihood of being realized upon ultimate settlement. Examples of tax positions include the tax-exempt status of the organization and positions related to the potential sources of unrelated business taxable income. Management has not identified any uncertain tax positions taken or expected to be taken in a tax return, and there are no unrecognized tax benefits recorded as liabilities in the accompanying financial statements. We classify interest and penalties, if any, associated with uncertain tax positions as a component of income tax expense. There was no accrued interest or any penalties related to unrecognized tax benefits at either june 30, 2025 or 2024, or any interest or penalties expense related to unrecognized tax benefits for the years then ended. We are no longer subject to examination by the internal revenue service or the state of indiana for years prior to june 30, 2022.”

Schedule D, Page 4, Part XI, Line 2D

“Change in beneficial interests 30,718”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ActivityOrMissionDesc0THE YWCA STRENGTHENS OUR COMMUNITY AGAINST VIOLENCE AND AGGRESSION. WE PROVIDE IMMEDIATE SAFETY, LASTING STABILITY, INDEPENDENCE, EMPOWERMENT, AND TRANSFORMATION FOR ALL. WE ARE A SOURCE OF HOPE.
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IRS990/Desc0CRISIS SERVICES. TWENTY-FOUR HOUR DOMESTIC VIOLENCE EMERGENCY SHELTER IN ST. JOSEPH AND ELKHART COUNTIES. VICTIMS OF DOMESTIC VIOLENCE AND THEIR CHILDREN RECEIVE CASE MANAGEMENT, DAILY TRAUMA-SPECIFIC PSYCHOLOGICAL, COUNSELING, EDUCATIONA/THERAPEUTIC GROUPS, LIFE SKILLS CLASSES, SELF- SUFFICIENCY SERVICES, INCLUDING FINANCIAL LITERACY CLASSES AND COURT ADVOCACY. 826 CLIENTS WERE PROVIDED WITH EMERGENCY INTERVENTION FOR FY 2025. 1,897 PHONE CALLS WERE RECEIVED DURING FY 2025 NEEDING CRISIS SERVICES. TOTAL CALL VOLUME FOR CRISIS ASSISTANCE AND ALL INFORMATIONAL AND REFERRAL CALLS TOTALED 7,025 IN 2025.
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