Civic Intelligence

The Cara Program

EIN 36-4268095 • 501(c)3 • Chicago, IL

Profile

Build an inclusive economy by developing employment pathways to advance transformative individual and community success.

237 S DesPlainesChicago, IL 60661

www.caracollective.org

Siviq Scores

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

Liabilities / Assets

44th percentile

0.16x

Higher debt load relative to assets than 44% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

42nd percentile

0.21x

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

501(c)3 • $25M-$50M nonprofits • Source year 2025

Net Margin

76th percentile

21%

Higher net margin than 76% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

59th percentile

$299,990

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Asset Growth

80th percentile

17%

Faster asset growth than 80% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

19th percentile

-8.3%

Faster revenue growth than 19% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Assets

Up

$26,522,087

Up $3,834,755 (+17%) from 2024

Liabilities

Down

$4,357,676

Down $516,653 (-11%) from 2024

Net Assets

Up

$22,164,411

Up $4,351,408 (+24%) from 2024

Revenue

Down

$20,870,682

Down $1,898,225 (-8.3%) from 2024

Expenses

Up

$16,565,889

Up $1,146,386 (+7.4%) from 2024

Net Income

Down

$4,304,793

Down $3,044,611 (-41%) from 2024

Trend Graphs

Balance Sheet Trend

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

$30M$20M$10M$0Assets 2010: $11,128,941Liabilities 2010: $5,420,849Net Assets 2010: $5,708,0922010Assets 2011: $11,157,289Liabilities 2011: $5,884,489Net Assets 2011: $5,272,8002011Assets 2013: $10,306,577Liabilities 2013: $3,796,777Net Assets 2013: $6,509,8002013Assets 2014: $10,571,182Liabilities 2014: $3,497,788Net Assets 2014: $7,073,3942014Assets 2015: $9,791,063Liabilities 2015: $3,352,108Net Assets 2015: $6,438,9552015Assets 2016: $10,063,324Liabilities 2016: $3,483,156Net Assets 2016: $6,580,1682016Assets 2017: $11,587,815Liabilities 2017: $3,737,642Net Assets 2017: $7,850,1732017Assets 2018: $12,002,037Liabilities 2018: $3,544,069Net Assets 2018: $8,457,9682018Assets 2019: $11,341,019Liabilities 2019: $3,258,545Net Assets 2019: $8,082,4742019Assets 2020: $13,105,183Liabilities 2020: $4,624,548Net Assets 2020: $8,480,6352020Assets 2021: $14,262,035Liabilities 2021: $3,693,766Net Assets 2021: $10,568,2692021Assets 2022: $15,165,260Liabilities 2022: $4,848,937Net Assets 2022: $10,316,3232022Assets 2023: $15,398,039Liabilities 2023: $5,039,094Net Assets 2023: $10,358,9452023Assets 2024: $22,687,332Liabilities 2024: $4,874,329Net Assets 2024: $17,813,0032024Assets 2025: $26,522,087Liabilities 2025: $4,357,676Net Assets 2025: $22,164,4112025

Highlighted filing

2025

Assets$26,522,087
Liabilities$4,357,676
Net Assets$22,164,411

Operations Trend

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

$30M$20M$10M$0-$10MExpenses 2010: $7,621,0862010Expenses 2011: $6,462,7172011Expenses 2013: $6,113,9492013Revenue 2014: $7,279,392Expenses 2014: $6,715,798Net Income 2014: $563,5942014Revenue 2015: $6,132,979Expenses 2015: $6,767,418Net Income 2015: -$634,4392015Revenue 2016: $7,020,962Expenses 2016: $6,879,749Net Income 2016: $141,2132016Revenue 2017: $9,662,720Expenses 2017: $8,392,715Net Income 2017: $1,270,0052017Revenue 2018: $9,911,415Expenses 2018: $9,303,620Net Income 2018: $607,7952018Revenue 2019: $9,630,436Expenses 2019: $10,005,930Net Income 2019: -$375,4942019Revenue 2020: $11,410,404Expenses 2020: $11,014,918Net Income 2020: $395,4862020Revenue 2021: $12,971,021Expenses 2021: $10,991,144Net Income 2021: $1,979,8772021Revenue 2022: $11,673,454Expenses 2022: $11,796,520Net Income 2022: -$123,0662022Revenue 2023: $12,735,070Expenses 2023: $12,734,641Net Income 2023: $4292023Revenue 2024: $22,768,907Expenses 2024: $15,419,503Net Income 2024: $7,349,4042024Revenue 2025: $20,870,682Expenses 2025: $16,565,889Net Income 2025: $4,304,7932025

Highlighted filing

2025

Revenue$20,870,682
Expenses$16,565,889
Net Income$4,304,793

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$26.5$4.36$22.2$20.9$16.6$4.30
2024Detailed filing. Detailed filing data is available for this year.$22.7$4.87$17.8$22.8$15.4$7.35
2023Detailed filing. Detailed filing data is available for this year.$15.4$5.04$10.4$12.7$12.7$0.00
2022Detailed filing. Detailed filing data is available for this year.$15.2$4.85$10.3$11.7$11.8$0.12
2021Detailed filing. Detailed filing data is available for this year.$14.3$3.69$10.6$13.0$11.0$1.98
2020Detailed filing. Detailed filing data is available for this year.$13.1$4.62$8.48$11.4$11.0$0.40
2019Detailed filing. Detailed filing data is available for this year.$11.3$3.26$8.08$9.63$10.0$0.38
2018Detailed filing. Detailed filing data is available for this year.$12.0$3.54$8.46$9.91$9.30$0.61
2017Detailed filing. Detailed filing data is available for this year.$11.6$3.74$7.85$9.66$8.39$1.27
2016Detailed filing. Detailed filing data is available for this year.$10.1$3.48$6.58$7.02$6.88$0.14
2015Detailed filing. Detailed filing data is available for this year.$9.79$3.35$6.44$6.13$6.77$0.63
2014Detailed filing. Detailed filing data is available for this year.$10.6$3.50$7.07$7.28$6.72$0.56
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.3$3.80$6.51$6.11
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.2$5.88$5.27$6.46
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.1$5.42$5.71$7.62
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Dec 4, 2025
Return Version
2024v5.2
Gross Receipts
$23,264,566
Mission and Program Overview

Mission

Build an inclusive economy by developing employment pathways to advance transformative individual and community success.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$8,112,240$8,338,785▲ $226,545
Land, Buildings, and Equipment, Net$6,412,334$6,195,971▼ $216,363
Cash and Non-Interest-Bearing Accounts$707,404$4,687,714▲ $3,980,310
Pledges and Grants Receivable$790,686$2,311,850▲ $1,521,164
Investments Other Securities$4,039,475$2,079,430▼ $1,960,045
Accounts Receivable$1,035,657$1,191,246▲ $155,589
Prepaid Expenses and Deferred Charges$296,806$355,927▲ $59,121
Inventories for Sale or Use$4,088$13,168▲ $9,080
Total Assets$22,687,332$26,522,087▲ $3,834,755
Other Assets Total$1,288,642$1,347,996▲ $59,354
Liabilities
Mortgage Notes Payable Secured by Investment Property$2,888,838$2,608,624▼ $280,214
Accounts Payable and Accrued Expenses$1,145,671$1,294,168▲ $148,497
Other Liabilities$839,820$454,884▼ $384,936
Total Liabilities$4,874,329$4,357,676▼ $516,653
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$15,874,680$19,704,690▲ $3,830,010
Net Assets With Donor Restrictions$1,938,323$2,459,721▲ $521,398
Total Net Assets Fund Balance$17,813,003$22,164,411▲ $4,351,408
Total Liabilities and Net Assets / Fund Balance$22,687,332$26,522,087▲ $3,834,755

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,540,574$3,006,923$8,547,497
Equipment$642,647$1,868,650$2,511,297
Leasehold Improvements$0$118,012$118,012
Other Land Buildings$12,750$72,250$85,000
Other Assets Org$68,370--
Other Securities$2,079,430--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024$1,096,940-▲ $137,484-$1,234,424
2023$733,350$265,000▲ $98,590-$1,096,940
2022$672,817-▲ $60,533-$733,350
2021$773,938-▼ $101,121-$672,817
2020$643,642-▲ $130,296-$773,938
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kathleen CalientoPresident/CEOFT$270,826$29,164$299,990
Tara HarperChief External Affairs OfficerFT$196,049$17,487$213,536
Joel PomerenkCFOFT$177,285$6,209$183,494
Lauren FeldmanChief Operating OfficerFT$178,501$1,936$180,437
Brady GottChief Social Enterprise OfficerFT$130,629$26,266$156,895
Kimberly MassenburgChief Impact OfficerFT$131,739$19,854$151,593
Cheryl GavinSenior ControllerFT$121,255$14,075$135,330
Joseph MutucCTOFT$118,145-$118,145
Kristen BoelkensHR ManagerFT$110,217$4,903$115,120
Ron HolakovskyManagerFT$105,284$2,523$107,807
Liana BranManagerFT$102,025-$102,025
Mark ToriskiManagerFT$101,038-$101,038

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$16,034,825
Program Service Revenue
$4,368,115
Investment Income
$576,127
Other Revenue
$-108,385
All Other Contributions
$10,366,548
Change in Net Assets
$4,304,793

Noncash Contribution Practices

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

Noncash Contributions

Contribution TypeContribution CountReported AmountValuation Method
Other Non Cash Contri Table12$72,000Fair Market Value (FMV)
Total Noncash Contributions12$72,000-

Audited Revenue Reconciliation

Revenue per Audited Statements
$20,870,682
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$183,723
Total Revenue per Audited Statements
$21,054,405
Total Revenue per Form 990
$20,870,682
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$12,375,304
Other Expenses$3,689,765
Total Fundraising Expense$1,700,554
Grants and Similar Amounts Paid$500,820
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$6,957,465$1,306,798$875,151$9,139,414
Current Officers, Directors, Trustees, and Key Employees$961,871$187,438$125,780$1,275,089
Other Employee Benefits$760,482$175,250$118,583$1,054,315
Fees for Services Other$452,659$218,299$157,715$828,673
Payroll Taxes$541,443$123,549$83,563$748,555
Information Technology$358,242$149,106$58,883$566,231
Depreciation Depletion$352,512$133,213$52,537$538,262
Grants to Domestic Individuals$500,820--$500,820
Occupancy$335,711$101,730$62,092$499,533
Travel$179,824$30,188$18,702$228,714
Insurance$191,950$12,318$7,385$211,653
Pension Plan Contributions$114,125$26,130$17,676$157,931
All Other Expenses$10,939$67,228$14,198$92,365
Other Expenses$84,202$174$77$84,453
Interest$52,185$14,952$9,390$76,527
Fees for Services Accounting$17,202$13,520$6,259$36,981
Office Expenses$1,843$658$20,793$23,294
Advertising$7,198$167$5,570$12,935
Total Functional Expenses$12,249,104$2,616,231$1,700,554$16,565,889

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$16,702,997
Expenses per Audited Statements$16,565,889
Total Expenses per Form 990$16,565,889
Expenses Not Reported on Form 990$137,108
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
Yes
Professional fundraiser used
Yes

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$336,233
Fundraising Gross Income$195,100
Gaming Gross Income$38,475
Gaming Direct Expenses$14,191
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Gala$1,123,656$173,650$181,185$-7,535
Summer Social$157,228$18,950$400$18,550
Total Events$1,407,856$195,100$336,233$-141,133
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Thomas Owens Jr and Julie Owens BuBoard of DirectorsThe Organization received significant cash contributions from The Owens Foundation ($354,000 for year ended 6/30/22) which is controlled by members of the Owens family related to the above listed Board Members.No$257,500
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Refundable advances$450,765
Accrued interest payable$4,119
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
Yes
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
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, Part VI, Section A, line 2

Thomas Owens Jr. and Julie Owens, members of the Board of Directors, have a family relationship.

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

The return is extensively reviewed by the cfo and controller. Subsequently, the return is reviewed by the president & ceo. The 990 is provided to the board of directors prior to filing.

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

At the start of each board meeting Directors are asked if there are any new conflicts to report. They are encouraged to report conflicts as they occur.

Form 990, Part VI, Section B, line 15

The Compensation Committee of the Board of Directors reviews and approves the salary of the President of the Organization and compares it to other Chicago area not for profit organizations. Salaries of other staff members are regularly reviewed and compared to other not for profit organizations for fairness and competitiveness.

Form 990, Part VI, Section C, line 19

The audit report is posted on the Illinois Attorney General's website. Governing documents are available upon request.

Filing and Contact Details

Filer

Filer Name
The Cara Program
EIN
36-4268095
Phone
3127983334
Address
237 S DesPlaines, Chicago, IL 60661
Doing Business As
Cara Chicago

Signing Officer

Name
Kathleen St Louis Caliento
Title
President & CEO
Phone
3127983334
Signed
2025-12-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathleen St Louis Calien
Formed
1999
Legal Domicile
Il
Voting Board Members
21
Independent Board Members
21
Employees
837
Volunteers
250

Preparer

Firm
Desmond & Ahern Ltd
Address
10827 S Western Avenue, Chicago, IL 60643
Preparer
Mel Padillo
Phone
7737794720
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Line 5

Number of Employees There are 696 employees reported on Form 990 which includes: 97 2023 W-2s from payroll of The Cara Program (FEIN 36-4268095); 565 2023 W-2s from payroll of TCP Staffing, LLC (FEIN 38-3859756) and 34 2023 W-2s from payroll of Cleanslate Chicago LLC (FEIN 20-4914943). TCP Staffing LLC and Cleanslate Chicago LLC are both single member LLCs and disregarded entities of The Cara Program.

Form 990, Part XII, line 2C:

The process has not changed from the prior year.

Financial Statement Notes

Part V, Line 4:

It is the policy of the Organization to manage the endowment fund in a manner that will, at a minimum, preserve and maintain the real purchasing power of the principal while allowing for annual distributions to the operating budget.

Part X, Line 2:

FIN 48 note from Audited Financial Statements Cara Chicago was granted an exemption from federal income taxes by the Internal Revenue Service pursuant to the provisions of Internal Revenue Code Section 501(c)(3). The tax-exempt purpose of the Organization and the nature in which it operates is described in the first paragraph of Note 1. The Organization continues to operate in compliance with its tax-exempt purpose. Cleanslate Chicago, LLC, TCP Staffing, LLC dba Cara Connects, and Cara Works, LLC are single-member LLC's. For tax purposes, Cleanslate, Cara Connects, and Cara Works are treated as disregarded entities and are included in Cara Chicago's consolidated financial statements and tax reporting. The Organization's annual information and income tax returns filed with the federal and state governments are subject to examination, generally for three years after they are filed. The Organization has adopted the requirements for accounting for uncertain tax positions and management has determined that the Organization was not required to record a liability related to uncertain tax positions as of June 30, 2025.

Raw XML AppendixShowing 400 of 990 raw XML fields

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/Desc0Traditional Training & Placement Program is Cara's traditional services which includes a comprehensive range of training and support for motivated individuals affected by poverty and homelessness, including life-skills training, specialized job-skills training, and personalized career placement services.South Side Campus (SSC) is Cara's South Side campus and provides trainings and workshops similar to Cara's traditional program. The SSC also offers drop-in financial and digital literacy trainings and referrals to wraparound supportive services.Employment Retention ensures that participants of Cara have the tools needed for long-term selfsufficiency.Cara offers personal and professional coaching throughout each participant's first year of employment. These services include: regular one-on-one meetings with employed participants about on-the-job successes and challenges; and development of individual long-term goals, including goals related to housing, education, and debt repayment. As a result, over 70% or more of employed Cara participants receiving this support remain in their first job placement for at least one year. In addition to employment retention support, Cara's Career AdvancementProgram supports participants who have not only achieved stability in their personal and professional lives, but who also show an exceptional drive to grow in their careers. Once participants have been employed for at least six months and are established personally and professionally, they may opt in to career advancement services.
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