Civic Intelligence

The Cross-Over Ministry Inc

EIN 54-1371067 • 501(c)3 • Richmond, VA

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Profile

Medical services to community

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8600 Quioccasin Road Suite 101Richmond, VA 23229

n/A

Siviq Scores

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

Liabilities / Assets

35th percentile

0.07x

Higher debt load relative to assets than 35% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

24th percentile

0.06x

Higher debt load relative to revenue than 24% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Net Margin

76th percentile

22%

Higher net margin than 76% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

56th percentile

$204,169

Higher top officer pay than 56% of similar nonprofits.

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

501(c)3 • $10M-$25M nonprofits • Source year 2025

Asset Growth

86th percentile

26%

Faster asset growth than 86% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

68th percentile

18%

Faster revenue growth than 68% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets35th percentile

Assets

Up

$13,136,291

Up $2,701,792 (+26%) from 2024

Liabilities

Down

$950,661

Down $643,725 (-40%) from 2024

Net Assets

Up

$12,185,630

Up $3,345,517 (+38%) from 2024

Operations
Liabilities / Revenue24th percentileNet Margin76th percentile

Revenue

Up

$14,919,663

Up $2,231,513 (+18%) from 2024

Expenses

Up

$11,574,146

Up $2,563,898 (+28%) from 2024

Net Income

Down

$3,345,517

Down $332,385 (-9.0%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth86th percentile

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

$15M$10M$5.0M$0Assets 2011: $1,751,545Liabilities 2011: $137,201Net Assets 2011: $1,614,3442011Assets 2012: $1,763,753Liabilities 2012: $130,224Net Assets 2012: $1,633,5292012Assets 2013: $1,930,098Liabilities 2013: $87,062Net Assets 2013: $1,843,0362013Assets 2014: $1,886,104Liabilities 2014: $130,571Net Assets 2014: $1,755,5332014Assets 2015: $1,837,432Liabilities 2015: $129,947Net Assets 2015: $1,707,4852015Assets 2016: $1,746,299Liabilities 2016: $106,691Net Assets 2016: $1,639,6082016Assets 2017: $2,102,021Liabilities 2017: $83,817Net Assets 2017: $2,018,2042017Assets 2018: $2,790,295Liabilities 2018: $98,665Net Assets 2018: $2,691,6302018Assets 2019: $3,656,783Liabilities 2019: $138,264Net Assets 2019: $3,518,5192019Assets 2020: $3,987,574Liabilities 2020: $164,072Net Assets 2020: $3,823,5022020Assets 2021: $4,590,453Liabilities 2021: $170,538Net Assets 2021: $4,419,9152021Assets 2022: $6,279,599Liabilities 2022: $2,106,184Net Assets 2022: $4,173,4152022Assets 2023: $7,356,160Liabilities 2023: $2,193,949Net Assets 2023: $5,162,2112023Assets 2024: $10,434,499Liabilities 2024: $1,594,386Net Assets 2024: $8,840,1132024Assets 2025: $13,136,291Liabilities 2025: $950,661Net Assets 2025: $12,185,6302025

Highlighted filing

2025

Assets$13,136,291
Liabilities$950,661
Net Assets$12,185,630
Open 2025 Filing

Operations Trend

Revenue Growth68th percentile

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

$15M$10M$5.0M$0-$5.0MRevenue 2011: $7,376,329Expenses 2011: $7,264,935Net Income 2011: $111,3942011Expenses 2012: $10,075,2472012Expenses 2013: $10,499,6562013Revenue 2014: $9,325,962Expenses 2014: $9,413,465Net Income 2014: -$87,5032014Revenue 2015: $7,252,545Expenses 2015: $7,300,593Net Income 2015: -$48,0482015Revenue 2016: $8,307,376Expenses 2016: $7,950,936Net Income 2016: $356,4402016Revenue 2017: $6,219,300Expenses 2017: $5,840,704Net Income 2017: $378,5962017Revenue 2018: $8,442,432Expenses 2018: $7,769,006Net Income 2018: $673,4262018Revenue 2019: $7,219,391Expenses 2019: $6,452,014Net Income 2019: $767,3772019Revenue 2020: $7,009,516Expenses 2020: $6,684,695Net Income 2020: $324,8212020Revenue 2021: $8,308,867Expenses 2021: $7,692,611Net Income 2021: $616,2562021Revenue 2022: $7,515,641Expenses 2022: $7,742,305Net Income 2022: -$226,6642022Revenue 2023: $9,543,654Expenses 2023: $8,554,858Net Income 2023: $988,7962023Revenue 2024: $12,688,150Expenses 2024: $9,010,248Net Income 2024: $3,677,9022024Revenue 2025: $14,919,663Expenses 2025: $11,574,146Net Income 2025: $3,345,5172025

Highlighted filing

2025

Revenue$14,919,663
Expenses$11,574,146
Net Income$3,345,517
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
$13,136,291
Liabilities
$950,661
Net assets
$12,185,630
Revenue
$14,919,663
Expenses
$11,574,146
Net income
$3,345,517
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.1$0.95$12.2$14.9$11.6$3.35
2024Summary only. Only limited summary data is available for this year.$10.4$1.59$8.84$12.7$9.01$3.68
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.36$2.19$5.16$9.54$8.55$0.99
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.28$2.11$4.17$7.52$7.74$0.23
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.59$0.17$4.42$8.31$7.69$0.62
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.99$0.16$3.82$7.01$6.68$0.32
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.66$0.14$3.52$7.22$6.45$0.77
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.79$0.10$2.69$8.44$7.77$0.67
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.10$0.08$2.02$6.22$5.84$0.38
2016Summary only. Only limited summary data is available for this year.$1.75$0.11$1.64$8.31$7.95$0.36
2015Detailed filing. Detailed filing data is available for this year.$1.84$0.13$1.71$7.25$7.30$0.05
2014Detailed filing. Detailed filing data is available for this year.$1.89$0.13$1.76$9.33$9.41$0.09
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.93$0.09$1.84$10.5
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.76$0.13$1.63$10.1
2011Summary only. Only limited summary data is available for this year.$1.75$0.14$1.61$7.38$7.26$0.11
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Nov 10, 2025
Return Version
2024v5.0
Gross Receipts
$14,979,177
Mission and Program Overview

Mission

Medical services to community

To provide high quality healthcare, promote wellness and connect the talents and resources of the richmond community with people in need in the name of jesus christ.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,700,722$4,857,067▲ $3,156,345
Land, Buildings, and Equipment, Net$2,908,285$2,783,322▼ $124,963
Pledges and Grants Receivable$3,074,891$2,479,533▼ $595,358
Savings and Temporary Cash Investments$1,761,630$1,962,074▲ $200,444
Inventories for Sale or Use$849,705$881,614▲ $31,909
Accounts Receivable$61,662$131,120▲ $69,458
Prepaid Expenses and Deferred Charges$40,738$17,365▼ $23,373
Total Assets$10,434,499$13,136,291▲ $2,701,792
Other Assets Total$36,866$24,196▼ $12,670
Liabilities
Unsecured Notes Loans Payable$1,321,370$721,370▼ $600,000
Accounts Payable and Accrued Expenses$236,150$205,095▼ $31,055
Other Liabilities$36,866$24,196▼ $12,670
Total Liabilities$1,594,386$950,661▼ $643,725
Net Assets / Fund Balance
Net Assets With Donor Restrictions$4,577,314$6,847,248▲ $2,269,934
Net Assets Without Donor Restrictions$4,262,799$5,338,382▲ $1,075,583
Total Net Assets Fund Balance$8,840,113$12,185,630▲ $3,345,517
Total Liabilities and Net Assets / Fund Balance$10,434,499$13,136,291▲ $2,701,792

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$2,102,132$688,001$2,790,133
Land$536,693-$536,693
Leasehold Improvements$128,871$403,810$532,681
Equipment-$268,757$268,757
Buildings$15,626$121,866$137,492
Compensation and Service Providers
Top Officer Pay56th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael Murchie MdEx-officio MFT$191,238$12,931$204,169
Michael Murchie MdEx-officio Med Director-$191,238$12,931$204,169
Julie Scott BilodeauEx-officio CFT$178,242$12,086$190,328
Julie Scott BilodeauEx-officio CEO-$178,242$12,086$190,328
Velma BarnwellDental DirecFT$165,951$301$166,252
Velma BarnwellDental Director-$165,951$301$166,252
Danielle AvulaAssoc Med DiPT$122,273$4,493$126,766
Liz WiebeNurse PractiFT$109,809$8,919$118,728
Megan StilingNurse PractiFT$107,664$4,438$112,102

Board Members and Trustees

NameTitle
Gregory HillmanChair
Michael Thorne-beglandVice Chair
Betsy D BeamerDirector
Cathy CawleyDirector
Claudia MillsDirector
Dr George VetrovecDirector
Elizabeth MatishDirector
Geoffrey StiffDirector
Helen NunleyDirector
Mark SlusherDirector
Mary Lynn LunnDirector
Nancy C ThomasDirector
Patrice BooneDirector
Rev Daniel GlazeDirector
Richard CullenDirector
Robert BerringerDirector
Tom DonahueDirector
Patricia Lee Robertson Rn Lnha MhImmediate Pa
Bruce TylerSecretary
Lee MitchellTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$12,241,959
Program Service Revenue
$2,575,774
Investment Income
$92,098
Other Revenue
$9,832
All Other Contributions
$11,029,080
Change in Net Assets
$3,345,517

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
Drugs and Medical Supplies1$5,184,948Fair Market Value
Total Noncash Contributions1$5,184,948-

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,919,663
Revenue Not Reported on Form 990
$1,004,155
Total Revenue per Audited Statements
$15,923,818
Total Revenue per Form 990
$14,919,663
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,019,290
Salaries, Compensation, and Employee Benefits$4,475,268
Total Fundraising Expense$954,080
Professional Fundraising Fees$79,588
Grants and Similar Amounts Paid$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,684,972$305,471$483,647$3,474,090
Current Officers, Directors, Trustees, and Key Employees$312,200$35,520$56,237$403,957
Payroll Taxes$248,215$25,927$21,020$295,162
Depreciation Depletion-$222,750-$222,750
Other Employee Benefits$164,827$19,729$19,527$204,083
Occupancy$153,545$37,569$12,640$203,754
Information Technology$124,905$16,318$35,375$176,598
All Other Expenses$44,757$67,281$19,616$131,654
Fees for Services Other$13,866$2,040$102,389$118,295
Pension Plan Contributions$79,129$9,472$9,375$97,976
Fees for Services Professional Fundraising--$79,588$79,588
Interest$62,063$7,758$7,758$77,579
Other Expenses$45,100$5,772$20,479$71,351
Advertising$4,049$200$61,476$65,725
Office Expenses$40,100$5,429$7,418$52,947
Insurance$41,032$4,315$5,666$51,013
Fees for Services Accounting-$31,000-$31,000
Travel$1,146$7-$1,153
Total Functional Expenses$9,815,371$804,695$954,080$11,574,146

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$12,578,301
Expenses per Audited Statements$11,574,146
Total Expenses per Form 990$11,574,146
Expenses Not Reported on Form 990$1,004,155
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
Yes

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$79,588
Fundraising Gross Income$60,450
Fundraising Direct Expenses$50,618

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Spring Into Act$83,443-$15,971-
Compassionate C$311,318$60,450$34,647$25,803
Total Events$394,761$60,450$50,618$9,832
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liability$24,196
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“The 990 is reviewed by the administrator and the board chair. Copies of the 990 are also provided to the entire board.”

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

“The standard behavior at cross-over is that all board members, staff and volunteers scrupulously avoid any conflict of interest between the interest of cross-over on one hand, and personal, professional, and business interests on the other. This includes avoiding actual conflicts of interest as well as perception of conflicts of interest. In the course of meetings of activities, board members, staff and volunteers are required to disclose any interest in a transaction or decision where they (including their business or other nonprofit affiliation), their family, employer or close associate will receive a benefit or gain. After disclose, they must leave the room and abstain from voting or other activities.”

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

“At least once every three years, ceo salary is reviewed and decided upon by the board.”

Form 990, Page 6, Part VI, Line 19

“Cross-over makes its governing documents, conflict of interest policy and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
The Cross-over Ministry Inc
EIN
54-1371067
Phone
8046552794
Address
8600 QUIOCCASIN ROAD SUITE 101, RICHMOND, VA 23229

Signing Officer

Name
Julie Scott Bilodeau
Title
Ex-officio CEO
Phone
8044222600
Signed
2025-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Julie Scott Bilodeau
Formed
1983
Legal Domicile
Va
Voting Board Members
20
Independent Board Members
20
Employees
86
Volunteers
505

Preparer

Firm
Harris Hardy & Johnstone Pc
Address
300 ARBORETUM PL STE 660, RICHMOND, VA 23236
Preparer
George G Crowell CPA
Phone
8045600560
Supplemental Narrative

Additional Explanations

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

“Cross-over operates two healthcare clinics in the richmond, va area that provide care to two groups: low income, uninsured patients and patients enrolled in medicaid. Cross-over provides a comprehensive mix of primary care including pediatric care, specialty medical care, dental care, vision care, obstetrics and gynecology care, hiv care, mental health care, and social work services, among other subspecialties. Cross-over also operates a licensed pharmacy. Cross-over is uniquely positioned to provide these services, due to our many collaborators and numerous volunteers. In 2025, volunteers contributed 34,500 hours of service. Cross-over also benefits from pro bono medications, labs, and imaging. We provide comprehensive care so that our patients can lead more productive, fulfilling lives.”

Form 990, Part XI, Line 9

“Loss on disposal of fixed assets 8,893 loss on disposal of fixed assets -8,893”

Financial Statement Notes

Schedule D, Page 3, Part X

“The accounting standard on accounting for uncertainty in income taxes addresses the determination of whether tax benefits claimed or expected to be claimed on a tax return should be recorded in the financial statements. Under that guidance, the organization may recognize the tax benefit from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by taxing authorities based on the technical merits of the position. Examples of tax positions include the tax-exempt status of the organization and various positions related to the potential sources of unrelated business taxable income (ubti). The organization has recognized no uncertain tax positions for the year ended june 30, 2025.”

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

“Loss on disposal of fixed assets 8,893”

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

“Loss on disposal of fixed assets 8,893”

Raw XML AppendixShowing 400 of 691 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/Desc0CROSS-OVER OPERATES TWO HEALTHCARE CLINICS IN THE RICHMOND, VA AREA THAT PROVIDE CARE TO TWO GROUPS: LOW INCOME, UNINSURED PATIENTS AND PATIENTS ENROLLED IN MEDICAID. CROSS-OVER PROVIDES A COMPREHENSIVE MIX OF PRIMARY CARE INCLUDING PEDIATRIC CARE, SPECIALTY MEDICAL CARE, DENTAL CARE, VISION CARE, OBSTETRICS AND GYNECOLOGY CARE, HIV CARE, MENTAL HEALTH CARE, AND SOCIAL WORK SERVICES, AMONG OTHER SUBSPECIALTIES. CROSS-OVER ALSO OPERATES A LICENSED PHARMACY. CROSS-OVER IS UNIQUELY POSITIONED TO PROVIDE THESE SERVICES, DUE TO OUR MANY COLLABORATORS AND NUMEROUS VOLUNTEERS. IN 2025, VOLUNTEERS CONTRIBUTED 34,500 HOURS OF SERVICE. CROSS-OVER ALSO BENEFITS FROM PRO BONO MEDICATIONS, LABS, AND IMAGING. WE PROVIDE COMPREHENSIVE CARE SO THAT OUR PATIENTS CAN LEAD MORE PRODUCTIVE, FULFILLING LIVES.
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