Civic Intelligence

Third Ladder Inc

990 • Fiscal year 2024 • EIN 86-3206087

Jan 01, 2024 to Dec 31, 2024 • Filed on Sep 02, 2025

3070 Windward PlazaAlpharetta, GA 30005

(803) 868-0090

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

61st percentile

0.05x

Higher debt load relative to assets than 61% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

47th percentile

0.01x

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

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Net Margin

42nd percentile

1.3%

Higher net margin than 42% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

72nd percentile

$62,000

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 10.6% of source-year revenue.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Asset Growth

64th percentile

11%

Faster asset growth than 64% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

65th percentile

20%

Faster revenue growth than 65% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Assets

Up

$140,497

Up $13,631 (+11%) from 2023

Net Assets

Up

$133,718

Up $7,650 (+6.1%) from 2023

Liabilities

Up

$6,779

Up $5,981 (+749%) from 2023

Revenue

Up

$586,614

Up $98,719 (+20%) from 2023

Expenses

Up

$578,964

Up $102,974 (+22%) from 2023

Net Income

Down

$7,650

Down $4,255 (-36%) from 2023

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$200K$150K$100K$50K$0Assets 2021: $157,945Liabilities 2021: $0Net Assets 2021: $157,9452021Assets 2022: $114,163Liabilities 2022: $0Net Assets 2022: $114,1632022Assets 2023: $126,866Liabilities 2023: $798Net Assets 2023: $126,0682023Assets 2024: $140,497Liabilities 2024: $6,779Net Assets 2024: $133,7182024Assets 2025: $128,592Liabilities 2025: $5,491Net Assets 2025: $123,1012025

Highlighted filing

2024

Assets$140,497
Liabilities$6,779
Net Assets$133,718

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$600K$400K$200K$0-$200KRevenue 2021: $214,910Expenses 2021: $56,965Net Income 2021: $157,9452021Revenue 2022: $383,643Expenses 2022: $430,857Net Income 2022: -$47,2142022Revenue 2023: $487,895Expenses 2023: $475,990Net Income 2023: $11,9052023Revenue 2024: $586,614Expenses 2024: $578,964Net Income 2024: $7,6502024Revenue 2025: $506,453Expenses 2025: $517,070Net Income 2025: -$10,6172025

Highlighted filing

2024

Revenue$586,614
Expenses$578,964
Net Income$7,650
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 2, 2025
Return Version
2024v5.2
Gross Receipts
$586,614
Mission and Program Overview

Mission

Third Ladder raises the standard of charitable giving by connecting donors with humanitarian programs alleviating human suffering. We facilitate responsible donor investment and grant distribution services to support global need. Grants are distributed to vetted international humanitarian program services to promote global responsibility and support domestic direct program therapeutic services to address the physical, emotional and mental impact of trauma to meet goals for physical, cognitive, and emotional healing consistent with our core mission. Our process enables donors to be involved and intentional in their giving to create maximum impact for a wide reach of human need.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$105,735$75,548▼ $30,187
Accounts Receivable$21,131$64,949▲ $43,818
Savings and Temporary Cash Investments-$0-
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-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$126,866$140,497▲ $13,631
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$798$6,779▲ $5,981
Total Liabilities$798$6,779▲ $5,981
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$126,068$133,718▲ $7,650
Total Net Assets Fund Balance$126,068$133,718▲ $7,650
Total Liabilities and Net Assets / Fund Balance$126,866$140,497▲ $13,631
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Naomi ZachariasExecutive DirectorFT$62,000$62,000
Mallory EvenTrusteeFT$59,000$59,000

Board Members and Trustees

NameTitle
Laura CardnerPresident
Ashley BoothTreasurer/Sec
Revenue and Support

Revenue Composition

Contributions and Grants
$503,647
Program Service Revenue
$82,967
Investment Income
$0
Other Revenue
$0
All Other Contributions
$503,647
Change in Net Assets
$7,650
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$312,406
Grants and Similar Amounts Paid$234,651
Total Fundraising Expense$43,203
Other Expenses$31,907
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Foreign Grants$234,651--$234,651
Other Salaries and Wages$118,144$14,768$14,768$147,680
Current Officers, Directors, Trustees, and Key Employees$90,600$15,200$15,200$121,000
Payroll Taxes$17,987$2,249$2,248$22,484
Other Employee Benefits$16,994$2,124$2,124$21,242
Fees for Services Accounting-$8,380-$8,380
Office Expenses-$4,809-$4,809
Fees for Services Other$2,772$776$346$3,894
Insurance-$1,690-$1,690
Advertising--$1,487$1,487
Other Expenses$659$3,006$1,526$659
Travel$479--$479
All Other Expenses$245$228-$473
Total Functional Expenses$482,531$53,230$43,203$578,964
International Activity

International Summary

Spending
$234,651

International Compliance

Foreign grant records maintained
Yes
Activity in boycott countries
No
Foreign corporation ownership
No
Foreign partnership interest
No
Interest in foreign trust
No
Passive foreign investment company interest
No
Transfers to foreign corporations
No

International Activities

RegionActivityServicesOfficesEmployeesSpending
South AsiaGrant MakingHumanitarian Support00$99,329
Sub-saharan AfricaGrant MakingHumanitarian Support00$86,591
South AmericaGrant MakingHumanitarian Support00$25,955
EuropeGrant MakingHumanitarian Support00$22,776
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
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-
Governance and Compliance

Governance Checklist

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

A copy of the Form 990 is provided to all Board members, discussed at a Board meeting and voted upon for approval.

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

The Board of Directors has adopted, and periodically reviews, a Conflict of InterestPolicy to protect the Corporation's interest when it is contemplating any transaction or arrangement which may benefit any Director, officer, employee, affiliate, or member of a committee with Board-delegated powers.

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

The Board of Directors reviewed the title and responsibility for each position, andconducted market research to determine the appropriate compensation.

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

The Board of Directors reviewed the job title and responsibility for each position, and conducted market research to determine an appropriate compensation amount.

Form 990, Part VI, Section C, Line 19

Governing documents, conflict of interest policy, and financial statements are available for inspection upon request.

Filing and Contact Details

Filer

Filer Name
Third Ladder Inc
EIN
86-3206087
Phone
8038680090
Address
3070 WINDWARD PLAZA, ALPHARETTA, GA 30005

Signing Officer

Name
Laura Cardner
Title
President
Signed
2025-09-02
Discuss with paid preparer
Yes

Organization Details

Formed
2021
Legal Domicile
Ga
Voting Board Members
3
Independent Board Members
3
Employees
6

Preparer

Firm
Gregg S Bossen CPA Pc
Address
50 LENOX POINT SUITE C, ATLANTA, GA 30324
Preparer
Gregg S Bossen
Phone
4048929513
Supplemental Narrative

Additional Explanations

Amended Explanation

BOARD LIST WAS CORRECTED

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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0214910
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01563899
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt082967
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt026196
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0109163
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.00000
IRS990ScheduleA/PublicSupportTotal509Amt01028392
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt0221461
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt0192500
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt0158702
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt072007
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt0644670
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0586614
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0487895
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0383643
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0214910
IRS990ScheduleA/Total509Grp/TotalAmt01673062
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0586614
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0487895
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0383643
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0214910
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt01673062
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/EmployeeCnt00
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/EmployeeCnt10
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/EmployeeCnt20
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/EmployeeCnt30
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/OfficesCnt00
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/OfficesCnt10
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/OfficesCnt20
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/OfficesCnt30
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/RegionTotalExpendituresAmt099329
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/RegionTotalExpendituresAmt186591
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/RegionTotalExpendituresAmt222776
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/RegionTotalExpendituresAmt325955
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/RegionTxt0SOUTH ASIA
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/RegionTxt1SUB-SAHARAN AFRICA
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/RegionTxt2EUROPE
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/RegionTxt3SOUTH AMERICA
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/SpecificServicesProvidedTxt0HUMANITARIAN SUPPORT
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/SpecificServicesProvidedTxt1HUMANITARIAN SUPPORT
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/SpecificServicesProvidedTxt2HUMANITARIAN SUPPORT
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/SpecificServicesProvidedTxt3HUMANITARIAN SUPPORT
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/TypeOfActivitiesConductedTxt0GRANT MAKING
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/TypeOfActivitiesConductedTxt1GRANT MAKING
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/TypeOfActivitiesConductedTxt2GRANT MAKING
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/TypeOfActivitiesConductedTxt3GRANT MAKING
IRS990ScheduleF/BoycottCountriesInd0false
IRS990ScheduleF/ForeignCorpOwnershipInd0false
IRS990ScheduleF/ForeignPartnershipInd0false
IRS990ScheduleF/GrantRecordsMaintainedInd0true
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/CashGrantAmt022776
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/CashGrantAmt125955
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/CashGrantAmt299329
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/CashGrantAmt386591
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/MannerOfCashDisbursementTxt0WIRE
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/MannerOfCashDisbursementTxt1WIRE
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/MannerOfCashDisbursementTxt2WIRE
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/MannerOfCashDisbursementTxt3WIRE
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/PurposeOfGrantTxt0HUMANITARIAN SUPP.
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/PurposeOfGrantTxt1HUMANITARIAN SUPP.
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/PurposeOfGrantTxt2HUMANITARIAN SUPP.
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/PurposeOfGrantTxt3HUMANITARIAN SUPP.
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/RegionTxt0EUROPE
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/RegionTxt1SOUTH AMERICA
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/RegionTxt2SOUTH ASIA
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/RegionTxt3SUB-SAH. AFRICA
IRS990ScheduleF/InterestInForeignTrustInd0false
IRS990ScheduleF/PassiveForeignInvestmestCoInd0false
IRS990ScheduleF/SubtotalSpentAmt0234651
IRS990ScheduleF/SupplementalInformationDetail/ExplanationTxt0Third Ladder identifies and financially equips existing organizations internationally who are meeting a legitimate need through methods of integrity to care for some of the most vulnerable people of humanity. The process includes a detailed application, a review of key financial records, and an on-site visit that we believe is an integral piece in understanding the nature of the program. Prior to sending a grant, Third Ladder establishes an annual Memorandum of Understanding with each recipient that details the use of funds and reporting to affirm responsible giving for every donor and organization. Monitoring and reporting include monthly progress reports, quarterly financial reports, a third-party audit, and periodic site visits by Third Ladder.
IRS990ScheduleF/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 2 - Grantmakers Explanation For Monitoring Use of Funds Outside US
IRS990ScheduleF/TotalOtherOrgCnt04
IRS990ScheduleF/TotalSpentAmt0234651
IRS990ScheduleF/TransferToForeignCorpInd0false
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A copy of the Form 990 is provided to all Board members, discussed at a Board meeting and voted upon for approval.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors has adopted, and periodically reviews, a Conflict of InterestPolicy to protect the Corporation's interest when it is contemplating any transaction or arrangement which may benefit any Director, officer, employee, affiliate, or member of a committee with Board-delegated powers.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Board of Directors reviewed the title and responsibility for each position, andconducted market research to determine the appropriate compensation.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Board of Directors reviewed the job title and responsibility for each position, and conducted market research to determine an appropriate compensation amount.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Governing documents, conflict of interest policy, and financial statements are available for inspection upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD LIST WAS CORRECTED
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Amended Explanation
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0126866
IRS990/TotalAssetsEOYAmt0140497
IRS990/TotalAssetsGrp/BOYAmt0126866
IRS990/TotalAssetsGrp/EOYAmt0140497
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0503647
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt043203
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt053230
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0482531
IRS990/TotalFunctionalExpensesGrp/TotalAmt0578964
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0798
IRS990/TotalLiabilitiesEOYAmt06779
IRS990/TotalLiabilitiesGrp/BOYAmt0798
IRS990/TotalLiabilitiesGrp/EOYAmt06779

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