Civic Intelligence

Charlotte Family Housing

EIN 58-1599120 • 501(c)3 • Charlotte, NC

View Organization Page

Profile

The mission of charlotte family housing is to empower homeless families to achieve long-term self-sufficiency through shelter, housing, support services and advocacy.

300 Hawthorne Lane 3rd FloorCharlotte, NC 28204

www.charlottefamilyhousing.org

Siviq Scores

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

Liabilities / Assets

44th percentile

0.07x

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

NTEE P • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

50th percentile

0.09x

Higher debt load relative to revenue than 50% of similar nonprofits.

NTEE P • $1M-$5M nonprofits • Source year 2025

Net Margin

50th percentile

4.0%

Higher net margin than 50% of similar nonprofits.

NTEE P • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

73rd percentile

$124,495

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 3.6% of source-year revenue.

NTEE P • $1M-$5M nonprofits • Source year 2025

Asset Growth

64th percentile

11%

Faster asset growth than 64% of similar nonprofits.

NTEE P • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

66th percentile

17%

Faster revenue growth than 66% of similar nonprofits.

NTEE P • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$4,337,621

Up $415,538 (+11%) from 2024

Liabilities

Up

$320,401

Up $37,392 (+13%) from 2024

Net Assets

Up

$4,017,220

Up $378,146 (+10%) from 2024

Operations
Liabilities / Revenue50th percentileNet Margin50th percentile

Revenue

Up

$3,411,376

Up $494,749 (+17%) from 2024

Expenses

Up

$3,274,185

Up $245,300 (+8.1%) from 2024

Net Income

Up

$137,191

Up $249,449 (+222%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth64th percentile

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

$6.0M$4.0M$2.0M$0Assets 2011: $1,071,287Liabilities 2011: $65,540Net Assets 2011: $1,005,7472011Assets 2012: $2,897,528Liabilities 2012: $243,937Net Assets 2012: $2,653,5912012Assets 2013: $3,106,597Liabilities 2013: $294,414Net Assets 2013: $2,812,1832013Assets 2014: $3,182,165Liabilities 2014: $313,505Net Assets 2014: $2,868,6602014Assets 2015: $3,072,844Liabilities 2015: $379,398Net Assets 2015: $2,693,4462015Assets 2016: $3,240,132Liabilities 2016: $300,525Net Assets 2016: $2,939,6072016Assets 2017: $3,387,665Liabilities 2017: $312,373Net Assets 2017: $3,075,2922017Assets 2018: $3,466,256Liabilities 2018: $246,560Net Assets 2018: $3,219,6962018Assets 2019: $3,491,093Liabilities 2019: $242,657Net Assets 2019: $3,248,4362019Assets 2020: $4,112,017Liabilities 2020: $674,280Net Assets 2020: $3,437,7372020Assets 2021: $4,223,277Liabilities 2021: $408,513Net Assets 2021: $3,814,7642021Assets 2022: $3,736,350Liabilities 2022: $392,271Net Assets 2022: $3,344,0792022Assets 2023: $3,820,939Liabilities 2023: $280,315Net Assets 2023: $3,540,6242023Assets 2024: $3,922,083Liabilities 2024: $283,009Net Assets 2024: $3,639,0742024Assets 2025: $4,337,621Liabilities 2025: $320,401Net Assets 2025: $4,017,2202025

Highlighted filing

2025

Assets$4,337,621
Liabilities$320,401
Net Assets$4,017,220
Open 2025 Filing

Operations Trend

Revenue Growth66th percentile

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

$4.0M$2.0M$0-$2.0MExpenses 2011: $830,5702011Expenses 2012: $2,491,8692012Revenue 2013: $2,798,510Expenses 2013: $2,668,612Net Income 2013: $129,8982013Revenue 2014: $2,705,631Expenses 2014: $2,704,929Net Income 2014: $7022014Revenue 2015: $3,046,259Expenses 2015: $3,209,227Net Income 2015: -$162,9682015Revenue 2016: $3,578,240Expenses 2016: $3,643,258Net Income 2016: -$65,0182016Revenue 2017: $3,226,630Expenses 2017: $3,197,515Net Income 2017: $29,1152017Revenue 2018: $3,097,592Expenses 2018: $3,024,590Net Income 2018: $73,0022018Revenue 2019: $3,222,236Expenses 2019: $3,226,767Net Income 2019: -$4,5312019Revenue 2020: $3,552,611Expenses 2020: $3,477,514Net Income 2020: $75,0972020Revenue 2021: $3,873,758Expenses 2021: $3,854,074Net Income 2021: $19,6842021Revenue 2022: $3,379,237Expenses 2022: $3,604,809Net Income 2022: -$225,5722022Revenue 2023: $3,256,523Expenses 2023: $3,187,671Net Income 2023: $68,8522023Revenue 2024: $2,916,627Expenses 2024: $3,028,885Net Income 2024: -$112,2582024Revenue 2025: $3,411,376Expenses 2025: $3,274,185Net Income 2025: $137,1912025

Highlighted filing

2025

Revenue$3,411,376
Expenses$3,274,185
Net Income$137,191
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
$4,337,621
Liabilities
$320,401
Net assets
$4,017,220
Revenue
$3,411,376
Expenses
$3,274,185
Net income
$137,191
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.34$0.32$4.02$3.41$3.27$0.14
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.92$0.28$3.64$2.92$3.03$0.11
2023Detailed filing. Detailed filing data is available for this year.$3.82$0.28$3.54$3.26$3.19$0.07
2022Detailed filing. Detailed filing data is available for this year.$3.74$0.39$3.34$3.38$3.60$0.23
2021Detailed filing. Detailed filing data is available for this year.$4.22$0.41$3.81$3.87$3.85$0.02
2020Detailed filing. Detailed filing data is available for this year.$4.11$0.67$3.44$3.55$3.48$0.08
2019Detailed filing. Detailed filing data is available for this year.$3.49$0.24$3.25$3.22$3.23$0.00
2018Detailed filing. Detailed filing data is available for this year.$3.47$0.25$3.22$3.10$3.02$0.07
2017Detailed filing. Detailed filing data is available for this year.$3.39$0.31$3.08$3.23$3.20$0.03
2016Detailed filing. Detailed filing data is available for this year.$3.24$0.30$2.94$3.58$3.64$0.07
2015Summary only. Only limited summary data is available for this year.$3.07$0.38$2.69$3.05$3.21$0.16
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.18$0.31$2.87$2.71$2.70$0.00
2013Summary only. Only limited summary data is available for this year.$3.11$0.29$2.81$2.80$2.67$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.90$0.24$2.65$2.49
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.07$0.07$1.01$0.83
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Nov 4, 2025
Return Version
2024v5.2
Gross Receipts
$3,598,347
Mission and Program Overview

Mission

The mission of charlotte family housing is to empower homeless families to achieve long-term self-sufficiency through shelter, housing, support services and advocacy.

The mission of Charlotte Family Housing is to empower working families experiencing homelessness to achieve long-term self-sufficiency through shelter, housing, supportive services, and advocacy.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$1,859,952$2,088,361▲ $228,409
Savings and Temporary Cash Investments$1,057,662$1,054,452▼ $3,210
Accounts Receivable$249,677$421,958▲ $172,281
Cash and Non-Interest-Bearing Accounts$396,853$362,755▼ $34,098
Land, Buildings, and Equipment, Net$286,171$230,459▼ $55,712
Prepaid Expenses and Deferred Charges$32,319$45,749▲ $13,430
Intangible Assets$29,449$27,607▼ $1,842
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Inventories for Sale or Use-$0-
Total Assets$3,922,083$4,337,621▲ $415,538
Other Assets Total$10,000$106,280▲ $96,280
Liabilities
Accounts Payable and Accrued Expenses$149,585$156,577▲ $6,992
Other Liabilities$26,608$97,826▲ $71,218
Escrow Account Liability$106,816$65,998▼ $40,818
Total Liabilities$283,009$320,401▲ $37,392
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,346,596$3,585,638▲ $239,042
Net Assets With Donor Restrictions$292,478$431,582▲ $139,104
Total Net Assets Fund Balance$3,639,074$4,017,220▲ $378,146
Total Liabilities and Net Assets / Fund Balance$3,922,083$4,337,621▲ $415,538

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$133,225$587,314$720,539
Leasehold Improvements$84,937$146,626$231,563
Equipment$12,297$209,212$221,509
Other Land Buildings-$42,247$42,247

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2025$1,859,952$130,124▲ $242,694$130,338$2,088,361
2024$1,654,329$71,506▲ $215,713$68,137$1,859,952
2023$1,526,357-▲ $135,102-$1,654,329
2022$1,774,221$57,466▼ $234,514$56,994$1,526,357
2021$1,412,553$86,038▲ $374,083$86,037$1,774,221
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Elizabeth KurtzExecutive DirectorFT$108,490$16,005$124,495

Board Members and Trustees

NameTitle
Paula MossChairman
Scott H ShannonVice Chairman
Amber MulliganBoard Member
Angela WittBoard Member
Chishon McManusBoard Member
Geoffrey MizeBoard Member
Jill ColeBoard Member
Lamont SimmonsBoard Member
Louise BhavnaniBoard Member
Matt RickettsBoard Member
Patty RagoBoard Member
Tiffany Victor-CastleberryBoard Member
Tim VestBoard Member
Tricia Wilson MageeBoard Member
Darren AshAdvisory Develo
Eric MoodyFinance Committ
Robert HoylaGovernance Comm
Kari KalgrenSecretary
Paul BaalmanStrat. Comm.
Revenue and Support

Revenue Composition

Contributions and Grants
$3,028,026
Program Service Revenue
$0
Investment Income
$40,845
Other Revenue
$342,505
All Other Contributions
$2,552,208
Change in Net Assets
$137,191

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
Securities Publicly Traded11$103,536Fair Market Value (FMV)
Other Non Cash Contri Table28$29,199Fair Market Value (FMV)
Total Noncash Contributions39$132,735-

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,397,429
Revenue Not Reported on Financial Statements
$13,947
Revenue Not Reported on Form 990
$248,664
Total Revenue per Audited Statements
$3,646,093
Total Revenue per Form 990
$3,411,376
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,841,533
Other Expenses$746,495
Grants and Similar Amounts Paid$686,157
Total Fundraising Expense$413,008
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,067,544$118,860$203,561$1,389,965
Grants to Domestic Individuals$686,157--$686,157
Fees for Services Management$207,824$23,293$71,624$302,741
Other Employee Benefits$165,687$18,294$26,730$210,711
Occupancy$151,071$8,553$14,673$174,297
Current Officers, Directors, Trustees, and Key Employees$95,617$10,646$18,232$124,495
Payroll Taxes$91,498$10,102$14,762$116,362
Office Expenses$42,137$5,721$7,852$55,710
Advertising$531-$51,150$51,681
Fees for Service Investment Mgmnt Fees-$13,947-$13,947
Other Expenses$599$67$114$780
Total Functional Expenses$2,648,331$212,846$413,008$3,274,185

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$3,274,185
Total Expenses per Audited Statements$3,267,947
Expenses per Audited Statements$3,260,238
Expenses Not Reported on Financial Statements$13,947
Expenses Not Reported on Form 990$7,709
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$290,027
Fundraising Direct Expenses$56,671
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Special Event$290,027$290,027$19,283$270,744
Total Events$290,027$290,027$56,671$233,356
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
Operating Reserve Liability$87,915
Capital Lease Obligation$9,911
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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
Yes
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

“Finance committee will meet with auditors to review return in detail. The return will then be made available to all board members for a week to review and ask questions or raise concerns. The return will be filed after completion of the board review.”

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

“The conflict of interest policy is provided to each board member and the executive director at orientation and again annually, there is a full discussion of the policy annually, and each board member, as well as the executive director, is asked to sign a statement of understanding of the policy, those statements are kept on file, and referred to on a periodic basis.”

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

“Executive director - the finance committee reviews comparability data for this position, and recommends any salary adjustments, the recommendation of the full finance committee is shared with the full board of directors.other officers or key employees - ascend nonprofit solutions provides comparability data, the executive director approves all pay increases.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Charlotte Family Housing
EIN
58-1599120
Phone
7043355488
Address
300 Hawthorne Lane 3rd Floor, Charlotte, NC 28204

Signing Officer

Name
Paula Moss
Title
Chairman
Signed
2025-11-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Elizabeth Kurtz
Formed
1985
Legal Domicile
Nc
Voting Board Members
20
Independent Board Members
20
Employees
44
Volunteers
212

Preparer

Firm
Foard and Company PA
Address
1347 Harding Place, Charlotte, NC 28204
Preparer
Garrett Summers
Phone
7043721515
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“The process has remained unchanged from the prior year.”

Financial Statement Notes

Part IV, Line 2B: Explanation of escrow account liability

“Charlotte family housing maintains clients' funds in an escrow account which can be withdrawn at any point during the two-year program.”

Part V, Line 4: Intended uses of the endowment fund.

“The foundation and the carolinas (the "foundation") holds in trust, accounts for the benefit of the organization, the organization may request annual distributions of accumulated income from these accounts. Recommendations for distributions of principal, as considered necessary by the board of directors of the organization may be made to the foundation. The foundation has complete discretion as to the timing and amounts of distributions from these funds; the foundation has no variance power to distribute any portion of these funds to another nonprofit entity.”

Part X : FIN48 Footnote

“The organization's income tax returns are subject to review andexamination by federal, state, and local authorities. The organization is not aware of any activities that would jeopardize its tax-exempt status.the organization is not aware of any activities that are subject to tax on unrelated business income or excise or other taxes. Gaap require the organization to recognize a tax benefit or expense from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by the tax authorities. Based on the technical merits of the position, management believes the organization had no uncertain tax positions as of june 30, 2023.”

Raw XML AppendixShowing 400 of 666 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/Desc0Charlotte Family Housing, Inc. is a private, not-for-profit enterprise which works to solve family homelessness through a confidence-building empowerment approach. Charlotte Family Housing focuses on the strength of families and transforms past cycles of trauma through formative, confidence building opportunities of growth and validation. CFH is rooted in empowerment and trauma informed care. At its founding, CFH reimagined a new self-sufficiency pathway (focusing on single mothers) that examined clinical brain research linking trauma and poverty and healthy trauma-informed interventions.CFH provides each family with the opportunity to achieve housing stability and economic confidence through three integrated services: 1. Housing: Families begin in a home-like shelter where barriers to obtaining housing are addressed. Without worrying about where their child will sleep at night, moms can concentrate on goals. CFH assists families in finding rental housing and provides subsidies, preparing them for stable housing within a year or two.2. Trauma Informed Care: CFH's Masters-level clinical social workers (LCSW) provide wraparound services grounded in the practice of recognizing the trauma its families have experienced. Through collaborative, safe relationships anchored in trust, LCSWs address barriers to family stability and facilitate a two-generational pathway to financial literacy, parenting, health, and job readiness. Additionally, CFH families have access to counseling.3. Empowerment Tools: CFH incorporates a stepped approach to empower families to move out of poverty. E.g.: Access reduced rates for critical goods and such as car repairs, computers, and home furnishings Connection to 1:1 financial counseling and banking services Earn Motivational Achievement Points for completing program goals which can be cashed in for gift cards, household items, and transportation gift cards Have savings matched upon program completionCharlotte Family Housing solely focuses on working families who are experiencing homelessness in Mecklenburg County. Soaring rental prices throughout Mecklenburg County are forcing more and more families out of their current residences and into housing and homelessness instability. Due to the current housing and rental market, unforeseen events or chronic circumstances (like a loss of income, illness, family breakup, death in the family, or domestic violence) can result in homelessness. In response to the current housing market, CFH has focused on two different initiatives. First, CFH is working hand in hand with developers to secure access to tax credit units. Partnerships with real estate developers allow access to rental units that might otherwise be inaccessible to the families CFH serves. These new partnerships are expanding the affordable housing inventory. Second, acknowledging that CFH can only minimally impact the affordable housing stock, CFH has placed a greater emphasis on career growth, income increases and work force development. By increasing wages, CFH families are able to better afford housing. CFH measures its progress and success by evaluating how many families maintain housing upon leaving its program. Using Salesforce software for data collection, CFH documents a family's progress at three-month intervals with post-exit surveys for two years after program completion.
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