Civic Intelligence

Nicoles 28Th Chapter Inc.

EIN 85-0923871 • 501(c)3 • Mount Sterling, OH

Pub. 78 Eligible

Profile

Provide housing and support to persons in recovery

PO Box 2Mount Sterling, OH 43143

n/A

Siviq Scores

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

Liabilities / Assets

65th percentile

0.01x

Higher debt load relative to assets than 65% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

76th percentile

0.03x

Higher debt load relative to revenue than 76% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Net Margin

76th percentile

22%

Higher net margin than 76% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

84th percentile

$0

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

57th percentile

1.4%

Faster asset growth than 57% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

23rd percentile

-34%

Faster revenue growth than 23% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$165,748

Up $2,293 (+1.4%) from 2024

Liabilities

Down

$1,183

Down $5,167 (-81%) from 2024

Net Assets

Up

$164,565

Up $7,460 (+4.7%) from 2024

Operations
Liabilities / Revenue76th percentileNet Margin76th percentile

Revenue

Down

$34,007

Down $17,586 (-34%) from 2024

Expenses

Down

$26,547

Down $5,925 (-18%) from 2024

Net Income

Down

$7,460

Down $11,661 (-61%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth57th percentile

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

$200K$150K$100K$50K$0Assets 2020: $128,062Liabilities 2020: $25,000Net Assets 2020: $103,0622020Assets 2021: $129,516Liabilities 2021: $21,056Net Assets 2021: $108,4602021Assets 2022: $146,724Liabilities 2022: $16,460Net Assets 2022: $130,2642022Assets 2023: $149,400Liabilities 2023: $11,416Net Assets 2023: $137,9842023Assets 2024: $163,455Liabilities 2024: $6,350Net Assets 2024: $157,1052024Assets 2025: $165,748Liabilities 2025: $1,183Net Assets 2025: $164,5652025

Highlighted filing

2025

Assets$165,748
Liabilities$1,183
Net Assets$164,565
Open 2025 Filing

Operations Trend

Revenue Growth23rd percentile

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

$150K$100K$50K$0Revenue 2020: $109,802Expenses 2020: $6,740Net Income 2020: $103,0622020Revenue 2021: $36,765Expenses 2021: $31,367Net Income 2021: $5,3982021Revenue 2022: $47,092Expenses 2022: $25,288Net Income 2022: $21,8042022Revenue 2023: $42,353Expenses 2023: $34,633Net Income 2023: $7,7202023Revenue 2024: $51,593Expenses 2024: $32,472Net Income 2024: $19,1212024Revenue 2025: $34,007Expenses 2025: $26,547Net Income 2025: $7,4602025

Highlighted filing

2025

Revenue$34,007
Expenses$26,547
Net Income$7,460
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$165,748
Liabilities
$1,183
Net assets
$164,565
Revenue
$34,007
Expenses
$26,547
Net income
$7,460
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.66$0.01$1.65$0.34$0.27$0.07
2024Detailed filing. Detailed filing data is available for this year.$1.63$0.06$1.57$0.52$0.32$0.19
2023Detailed filing. Detailed filing data is available for this year.$1.49$0.11$1.38$0.42$0.35$0.08
2022Detailed filing. Detailed filing data is available for this year.$1.47$0.16$1.30$0.47$0.25$0.22
2021Detailed filing. Detailed filing data is available for this year.$1.30$0.21$1.08$0.37$0.31$0.05
2020Detailed filing. Detailed filing data is available for this year.$1.28$0.25$1.03$1.10$0.07$1.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 10, 2026
Return Version
2025v4.0
Gross Receipts
$34,007
Mission and Program Overview

Mission

Provide housing and support to persons in recovery

Program Services

DescriptionGrantsExpenses
MAINTAIN HOUSING FOR PEOPLE IN RECOVERY-$16,306
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
KATHY RATCLIFFTreasurer-$0--
Filing and Contact Details

Filer

Filer Name
Nicoles 28th Chapter Inc
EIN
85-0923871
Phone
6145172437
Address
PO BOX 2, MOUNT STERLING, OH 43143

Signing Officer

Name
Kathy Ratcliff
Title
Treasurer
Phone
6145172437
Signed
2026-02-10

Preparer

Firm
Linda D Cosgray Ea
Address
1840 MACKENZIE DR STE 102, COLUMBUS, OH 43220
Preparer
Linda D Cosgray
Phone
6144573770
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 8

“Credit card rewards 307 total 307”

Form 990-ez, Part I, Line 16

“Expenses general 396 fundraising 3,366 education 65 interest 91 insurance 3,909 total 7,827”

Form 990-ez, Part II, Line 24

“Supply inventory 411 411 furnishings 7,785 7,785 total 8,196 8,196”

Form 990-ez, Part II, Line 26

“LOAN 6,350 1,183”

Raw XML Appendix140 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.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0KATHY RATCLIFF
IRS990EZ/BooksInCareOfDetail/PhoneNum06145172437
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt015687 SR 56W
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0MOUNT STERLING
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OH
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd043143
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt045016
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt047309
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt05900
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt07460
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01593
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0163455
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0165748
IRS990EZ/GrossReceiptsAmt034007
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LandAndBuildingsGrp/BOYAmt0110243
IRS990EZ/LandAndBuildingsGrp/EOYAmt0110243
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0157105
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0164565
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0157105
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0164565
IRS990EZ/OccupancyRentUtltsAndMaintAmt017127
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0KATHY RATCLIFF
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0TREASURER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt08196
IRS990EZ/OtherAssetsTotalDetail/EOYAmt08196
IRS990EZ/OtherExpensesTotalAmt07827
IRS990EZ/OtherRevenueTotalAmt0307
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0PROVIDE HOUSING AND SUPPORT TO PERSONS IN RECOVERY
IRS990EZ/ProgramServiceRevenueAmt027800
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0MAINTAIN HOUSING FOR PEOPLE IN RECOVERY
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt016306
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt06350
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt01183
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt026547
IRS990EZ/TotalProgramServiceExpensesAmt016306
IRS990EZ/TotalRevenueAmt034007
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt05900
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt011179
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt04991
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt06943
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt04266
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt033279
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt028107
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt032000
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt029400
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt027569
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt022600
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0139676
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/CurrentTaxYearMinus1YearAmt03739
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/CurrentTaxYearMinus2YearsAmt04204
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/CurrentTaxYearMinus3YearsAmt04870
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/CurrentTaxYearMinus4YearsAmt03669
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt016482
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.91300
IRS990ScheduleA/PublicSupportPY509Pct00.92530
IRS990ScheduleA/PublicSupportTotal509Amt0172955
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt034007
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt043179
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt034391
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt034512
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt026866
IRS990ScheduleA/Total509Grp/TotalAmt0172955
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt034007
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt046918
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt038595
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt039382
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt030535
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0189437
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CREDIT CARD REWARDS 307 TOTAL 307
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXPENSES GENERAL 396 FUNDRAISING 3,366 EDUCATION 65 INTEREST 91 INSURANCE 3,909 TOTAL 7,827
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SUPPLY INVENTORY 411 411 FURNISHINGS 7,785 7,785 TOTAL 8,196 8,196
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3LOAN 6,350 1,183
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART II, LINE 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART II, LINE 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0KATHY RATCLIFF
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06145172437
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NICOLES 28TH CHAPTER INC
ReturnHeader/Filer/BusinessNameControlTxt0NICO
ReturnHeader/Filer/EIN0850923871
ReturnHeader/Filer/PhoneNum06145172437
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 2
ReturnHeader/Filer/USAddress/CityNm0MOUNT STERLING
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd043143
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0311629262
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LINDA D COSGRAY EA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01840 MACKENZIE DR STE 102
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0COLUMBUS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd043220
ReturnHeader/PreparerPersonGrp/PhoneNum06144573770
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LINDA D COSGRAY
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-02-10T15:02:02-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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