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Christian Children's Fund/ CCF

Rating
Sector:

Relief and Development

Total
Revenue:

$230,711,000

Total
Expenses:

$222,947,000

Net
Assets:

$49,189,000

Profile Contents

Research Analysis
Financial Information

Ministry Pie Chart

Database Avg This Ministry
Program 81.4% 80.3%
General & Admin 12.4% 6.9%
Fundraising 6.3% 9.5%
Savings 0% 3.3%


Ministry Pie Chart

Ministry Pie Chart

Age Size Box:

>50
Yr(s)25-50
<25
<$1m$1m-
$5m
>$5m

Summary

Christian Children's Fund, Inc. (CCF) was established in 1938 and has developed into an international, non-sectarian, nonprofit child welfare organization operating with program offices around the world and providing assistance in over fifty countries. CCF programs promote long-term sustainable development and are designed to help break the cycle of poverty. Through donations, CCF provides the community with knowledge, opportunity and resources to develop a healthy and productive child. Christian Children's Fund sponsored children receive such basics as education, food, clothing, shelter and health care. In addition, they develop relationships with their sponsors and the CCF workers, they enjoy the benefits of loving attention.

This organization is a nonprofit. Contributions to it are fully tax deductible to the extent allowed by law.

Contact Information: [ Back to top ]

Mailing Address:P.O. Box 26484 2821 Emerywood Parkway (23294-3726)
Richmond, VA
23261-6484
Website: www.christianchildrensfund.org
Phone:(800) 776-6767, (804) 756-2700
Email:You need to enable javascript to see the email

Organization Details [ Back to top ]

EIN: 540536100
CEO/President: Ms. Anne Goddard Tax Deductible: Yes
Chairman: Mr. William Leahey, Jr. Fiscal Year End: June 30
Board Size: 26 Financial info from: 990
Founder: Dr. J. Calvitt Clarke Member of ECFA: No
Year Founded: 1938 Member of ECFA since:

Purpose [ Back to top ]

Christian Children's Fund, Inc. (CCF) was established in 1938 and has developed into an international, non-sectarian, nonprofit child welfare organization operating with program offices around the world and providing assistance in over fifty countries. CCF programs promote long-term sustainable development and are designed to help break the cycle of poverty. Through donations, CCF provides the community with knowledge, opportunity and resources to develop a healthy and productive child. Christian Children's Fund sponsored children receive such basics as education, food, clothing, shelter and health care. In addition, they develop relationships with their sponsors and the CCF workers, they enjoy the benefits of loving attention.

This organization is a nonprofit. Contributions to it are fully tax deductible to the extent allowed by law.

Mission Statement [ Back to top ]

Christian Children's Fund, Inc. expresses its mission statement as follows:

Christian Children's Fund creates an environment of hope and respect for needy children of all cultures and beliefs in which they have opportunities to achieve their full potential, and provides practical tools for positive change - to children, families and communities.

Program Accomplishments [ Back to top ]

Christian Children's Fund, Inc. has communicated the following accomplishments:

  • CCF's outstanding stewardship has been recognized by leading magazines, most recently including Consumers Digest, The Non-Profit Times, and U.S News and World Report.

  • CCF currently assists more than 5.5 million children and families in over 50 countries, including the United States. Since its beginning CCF has provided more than $1.6 billion of program services to children and their communities.

    Statement of Faith [ Back to top ]

    The Christian Children's Fund does not have a statement of faith. "Non-sectarian" is the phrase CCF uses to describe their religious standing.

    History [ Back to top ]

    Founded by a Presbyterian minister that witnessed the devastation arising out of events leading to World War II, Christian Children's Fund began helping the children of China in 1938. Using the unique appeal of "child sponsorship", Dr. J. Calvitt Clarke dedicated his life to improving the lives of children in orphanages throughout Asia. Upon his retirement in 1963, Dr. Clarke and his wife had spent their entire lives in the mission of helping children.

    During more than 60 years of service, Christian Children's Fund has broadened its scope of assistance to children around the world.

    Christian Children's Fund currently assists more than 4.6 million children and families in over 30 countries, including the United States, regardless of race, creed, nationality or gender. Since its beginning they have provided more than $1.6 billion of program services to children and their communities.

    Ministry Needs [ Back to top ]

    Christian Children's Fund, Inc. has communicated the following as a ministry need:

    Sponsor A Child
    Today, over 90,000 children anxiously await sponsorship. To learn more about sponsoring a child, CCF has compiled a list of benefits and frequently asked questions on their website. See www.ChristianChildrensFund.org to learn more.

    Research Analysis

    Transparency Grade [ Back to top ]

    Transparency Grade of : A
    Criteria categoryGradeOther Comments
    Timeliness:100
    Financial Information:100
    Foundational Clarity:
    Level of Cooperation:
    Click here to compare ministries on transparency and other stats
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    MinistryWatch.com 5 Star Financial Efficiency Ratings [ Back to top ]

    Ranking CategoryRatingOverall RankRelief and Development Sector
    Overall Efficiency RatingStarStarStar151 of 352    37 of 54
    Fund Acquisition DecisionStarStar247 of 352      43 of 54
    Resource Allocation DecisionStarStarStar160 of 352      41 of 54
    Asset Utilization DecisionStarStarStarStar81 of 352      21 of 54
    Learn how the ratings are calculated for this ministry
    Learn how ratings are calculated in general -- or here for a longer explanation
    Click here to compare ministries

    Donor Alert [ Back to top ]

    Where lies the Christianity of Christian Children's Fund?
  • Supporters Might Say

    • CCF has received recognition for outstanding stewardship, including mentions in Consumer?s Digest, The Non-Profit Times, and U.S. News and World Report.
    • CCF has received the ?A? Transparency Grade from MinistryWatch.com.
    • CCF focuses its efforts where they are most needed ? i.e., the poorest countries in Latin America, Asia, and Africa.
    • CCF has demonstrated long range stability and progress as an organization.
    • CCF has multiple accountability structures in place at the national and local levels to ensure that funds are used in the most effective and efficient ways possible.
    • The information about child sponsorship at CCF?s website is helpful, clarifying the ways in which sponsor dollars translate into benefits for the child.
    • CCF goes about its work in a culturally sensitive manner. This renders more probable the successful integration of new and beneficial projects in communities.


    Critics Might Say

    • CCF, by its own admission, is ?non-sectarian? and does not adhere to a Statement of Faith or Doctrinal Statement.
    • While CCF was founded by a minister in 1938 and continues to do good work on the behalf of impoverished children, they are not an organization that attempts to bring the Gospel message along with the relief they offer to needy children.
    • Alternative Christian child sponsorship groups like Compassion International are available to Christian donors that desire to bring both spiritual and physical assistance to children around the world in dire need of both.
    • CCF is not a member of the Evangelical Council for Financial Accountability. In explaining why, CCF?s Toni Radler wrote, ?because we are not an evangelical organization in that we do not teach religion as part of our program activity and we do not try to convert program beneficiaries as part of our program efforts.?
    • CCF?s work is more appropriately described as community development. Fundraising techniques leave the impression that the money donated is going directly to the sponsored child but the reality is that the money is spent on an entire community, which benefits the child tangentially.
    • CCF employees need not be Christian, further indicating that fulfilling the Great Commission is clearly not a priority of CCF. The organizations that CCF works with overseas to meet children?s needs also may have no Christian orientation.
    • CCF?s TV and press fundraising ads often portray images of children that are designed to provoke an emotional giving response rather than a thoughtful, prayerful one.
    • Some people might be concerned that CCF?s willingness to partner with ?traditional healers? in places like South Africa might reinforce false and dangerous beliefs and practices.
    • CCF?s efficiency rating could be a bit overblown due to the fact that a large percentage of its program expenses represent grants to projects which themselves must use a percentage of the funds for overhead expenses.
    • CCF spends a significant amount of money on fundraising ($15.5 million in 2002), which means that 12 cents of every contributed dollar goes directly to back to raising contributions. There are those who might think that this ratio is unacceptable.
    • Some might think that CCF is reaching in so many different directions in its project development that it has to some extent lost sight of its purpose, which is specifically to help needy children.


    Worldview Considerations

    • CCF, by its own admission, is ?non-sectarian? and does not adhere to a Statement of Faith or Doctrinal Statement.
    • CCF?s motivation and goals are humanitarian in nature, and grounded upon the principle that children have the right to experience as life with as much joy and hope as humanly possible.
    • CCF tries to demonstrate respect for the integrity, pride, beliefs and culture of the people they serve.
    • CCF values truthfulness in its broadcast, print and direct mail advertising. This means, among other things, never minimizing nor overstating the human needs of the people they assist.
    • CCF is particularly sensitive to the needs, dignity, and rights of women. Particular emphasis is placed upon improving the condition of women in societies where they have traditionally been denied basic human rights and privileges.
    • CCF attempts to promote basic human values through funding programs which teach conflict resolution skills to people who live in places where violence and intolerance have been commonly displayed between people groups.

    Analyst Comments [ Back to top ]

    MinistryWatch.com?s Take
    By Andy Preslar
    April 2004

    A Hand Up

    Christian Children?s Fund (CCF) is an international relief and development organization which serves children and communities the world over, particularly in Third World countries. CCF?s primary role in these countries is to develop, monitor, and provide sustaining funds for community-based health, education, and development projects. CCF raises funds by means of its ?child sponsorship? program, in which individuals agree to provide a certain amount of money per month for the welfare of a single child. The child receives benefits from the program activities which the donor?s money helps fund, and the donor gets to know the child through written correspondence (for more details on how CCF?s child sponsorship program works, see below under ?Appearance and Reality?).

    It is important to keep in mind that, in spite of its name, CCF is not a private foundation but a public charity. CCF does not have a vast amount of accumulated ?funds? with which it finances various projects; rather, they are dependent upon ongoing contributions. Another potential source of confusion regarding CCF is the word ?Christian.? CCF was founded in 1938 by Dr. J. Calvitt Clarke, a Presbyterian minister who dedicated his life to improving the lives of children in orphanages throughout Asia. In spite of these beginnings, CCF is not a Christian organization in any meaningful sense of the word. CCF?s mission, values, and code of ethics are upstanding and humanitarian, but not based upon any Christian doctrine or creed. While Christians can support the kind of work facilitated through CCF, they should not do so under the assumption that CCF has a specifically Christian agenda.

    CCF?s mission is to offer a hand up ? over and above a mere hand out ? to needy children and communities the world over. CCF works with other organizations, government agencies, communities, and parents to improve the lives of children through an assortment of relief and development projects. These projects are designed to establish sustainable structures such as safe water sources, health care, educational opportunities and facilities, income-generation, housing improvements, and resources for conflict resolution. CCF also responds to crisis situations such as homelessness, war and natural disaster-related trauma, and food shortages. CCF?s work is community-based through and through. The goal is to help these communities become self-sufficient in the areas of health, education, and livelihood, thereby making a lasting difference in the lives of the children. For each project, the goal is to reach a point where it can be designed, managed, and operated by community members in the countries where they are located.

    Since its inception, CCF has provided more than $2 billion in services to children. These services have been funded primarily through child sponsorship. CCF uses the money raised by sponsorship to provide grants to more than 1,000 projects in more than 30 countries. These projects have served between four and five million children. At the point where the ?rubber meets the road,? that is, in the practical world of serving children and communities, CCF faces a number of challenges. These include identifying needs, developing new projects to address those needs, overseeing the use of funds which sustain projects, and managing relations between project organizations and CCF.

    These challenges are met by CCF staff working at the local level to ensure that donor funds are being used in efficient and effective ways for the benefit of children. CCF assures its donors that it ?has a strong system of accountability . . . these controls include on-site reviews, budget evaluation, and comprehensive auditing of our program implementation in country.? Project staff and/ or volunteers meet with participating families in the community, collect data on the health and education issues concerning each child and family, and review the data. This information is passed along to the parents, the project advisory committee, and the national office. Decisions are then made about the specific services required in the community. CCF promises that its monitors ?ensure that your sponsorship dollars are making positive improvements . . . in your sponsored child?s life.?

    CCF divides its program activities into six categories. Here are those categories, together with the percentage of CCF?s total program expenses used for each (year ending June 2003): (1) Education (37%); (2) Health and Sanitation (25%); (3) Micro-Enterprise (13%); (4) Nutrition (12%); (5) Early Childhood Development (11%); (6) Emergencies (2%). These categories can be grouped under three more basic ones: health, education, and livelihood.

    Health

    CCF?s health programs focus on a wide range of issues and encompass varied activities. Primary focus areas include basic health care, maternal and child health and survival, prevention and control of infectious diseases such as HIV/ AIDS, and health infrastructure development. In some projects, USAID-funded child survival programs emphasize efforts to decrease child mortality rates, stimulate early childhood, improve maternal and child nutrition, and create access to safe water and sanitation. Also, primary health-care, vaccinations, and immunizations and insured for mothers as well as children. . . . Nutrition programs directly seek to improve child and maternal nutrition and/or strengthen the capacity of households for ensuring improved nutrition and food security. Programs are largely related to prevention and early detection of malnutrition, such as growth monitoring, food supplementation, school feeding programs, targeted micronutrition supplementation, dietary/nutrition oriented education and deworming. . . . Families and communities are supported in establishing small-scale household or school vegetable gardens, and small animal, poultry and fish production. . . . Programs under emergency interventions are outside of the mainstream of the ?usual? CCF programming and are in response to unexpected situations created as a result of conflict or natural disasters or other unpredictable events. Activities include focus on providing emergency relief in the form of food, shelter and medical supplies (from Christian Children?s Fund, Inc., Form 990, Part III, ?Statement of Program Services Accomplishments?).

    CCF takes great pains to respect the customs and social structures of people in a given area, while at the same time implementing new structures for the improvement of children?s health as well as for the community in general. One example of this approach is the ?Grannies? program which CCF has instituted in societies where older women have traditionally played key roles in health care. CCF?s strategy is to help these grandmothers integrate new ideas and practices related to maternal health and child care into their traditional practices. In this way, CCF tries to respect the dignity of these people and their traditions while helping them to learn more about health-related issues and the care of babies and their mothers.

    An example of how CCF gets the community involved in various projects is the well drilling program in Kenya. CCF has imported a water rig into the country to perform the heavy drilling, and has drilled 17 wells to date. Volunteers from the community clear the site for the well, provide night security for CCF?s equipment, and provide day laborers to assist the professional water staff hired by CCF?s Kenya office. The communities are also very involved in forming a water management committee, which selects technical personnel who are trained to operate and manage the well. People are charged a nominal fee for the water (20 cents for 20 liters; for those who cannot pay, the fee is waived), which funds are used to pay the person who tends the well. This becomes a self-sustaining enterprise, which the community owns and operates.

    Education

    Education programs strive to create an environment that fosters a quality learning experience. . . . Programs under basic education emphasize non-formal and formal learning environments, and focus on skills and knowledge that students should know and be able to perform. Focus is also placed on primary education and basic life skills for youth while addressing the vital standards needed to improve education and equity in education. CCF programs facilitate education through direct support to children via school supplies, mid-day meals, and, where necessary, payment of school fees. In many cases, children are also provided scholarships. Learning programs target adults as well, and focus on issues such as adult literacy, self-esteem and civic responsibility. . . . Early Childhood Development (ECD) programs ensure the cognitive and psychological development of children (0-5) through purposeful and structured activities that stimulate their social competence and promote their physical, psychological, intellectual and emotional well-being and development. Programs are designed to involve mothers and other family members in routine child-care/day-care, non-formal education and after school programs (ibid.).

    CCF is particularly focused on establishing greater educational equity in societies where girls have traditionally been denied access to education or discouraged from pursuing such. In Kenya, where girls are often left out of the educational system, CCF has opened a school for girls- the Naningoi Girls Boarding School. This modest facility was built, equipped and staffed by CCF It features four classrooms, a dorm house, indoor bathrooms, and a temporary kitchen, and is home to around 200 girls.

    Livelihood

    Livelihood programs assist families through training in small-scale income generation activities, and methods for increasing agricultural productivity . . . Activities include vocational and work related training for adults and youth over 18 years; micro-credit activities and micro-enterprise development; agricultural and livestock production to enhance livelihood (ibid.).

    CCF works to provide individuals, especially women, with the literacy and vocational training necessary to start a business. Women in Afghanistan, for example, are being equipped to begin or renew businesses in carpet weaving, baking, or tailoring. CCF also provides working capital to individuals who have a trade but lack access to funds. An example is the CCF Community Motivators Solidarity Group in Senegal which took out a $1,328 fixed-asset loan to purchase hulling and weighing machines, cashew nuts and supplies needed to start a cashew-nut processing unit. CCF reports that this group is turning a good profit, and doing better at supporting their families.

    Appearance and Reality

    The necessarily brief and limited description of CCF?s program activities given above fairly represents the general scope, aims, and undertakings of the organization. Although their major fund raising tool is child sponsorship, CCF?s field work is clearly much more focused on community development than with the particular children sponsored. This is not to say that a sponsored child receives no benefit from donor funds, but that the process involved renders those benefits directly to the community as a whole, and indirectly to the child as a member of the community. This is probably a prudent way to go about relief and development work, but it leaves a noticeable gap between appearance and reality regarding the impression created by child sponsorship, with its implicit promise of a one donor- one child support relationship, and the community-oriented nature of CCF-affiliated projects. To their credit, CCF does inform potential child sponsors that their donations will be used to fund projects which meet the needs of both sponsored and unsponsored children, including children whose sponsorships have been cancelled. The fact remains, however, that a general impression is created by sponsorship ads and language which can be misleading. Various groups have called upon relief and development agencies to develop fundraising techniques which more clearly reflect the nature of their actual programs. CCF has certainly taken a step in the right direction by clarifying (at least on their website) confusion concerning their sponsorship.

    Ministry Statement or Response [ Back to top ]



    Christian Children?s Fund (CCF) is one of the nation?s oldest and most respected international child development organizations. CCF consistently gets top marks from national charity watchdog groups such as the American Institute of Philanthropy which gives CCF an A- rating for the efficient way it spends donor dollars. 80% of the funds CCF raises go to programs for children in more than 30 countries worldwide. Only 20% of CCF funds go to fundraising and administration. It?s because of this ratio that publications such as Consumers Digest cite CCF as one of the nation?s most charitable charities.

    We applaud Wall Watchers? intent to help donors make a wise choice. However, we are concerned that Wall Watchers is inadvertently doing a disservice to charities such as CCF because its rating system does not make an accurate comparison of comparable charities. Wall Watchers rates organizations on the way they raise money without regard to size, mission, funding source, or even how the funds are spent. This makes the fundraising efforts of a large organization, which depends on TV and direct mail advertising, seem expensive compared with an organization that has a ready made funding base. As an example: a very small charity, which relies on church collections, does not have to spend anything to raise money and would therefore receive a very high rating from Wall Watchers. In reality, that same organization may raise very little money, help very few people, and have very high administrative expenses. Whereas, the fundraising efforts of a large organization such as CCF would seem expensive by comparison because funds are generated via television advertising and direct mail. In addition, CCF raises funds not only in the US, but around the world; therefore a comparison of charities solely in the US may not be relevant. The bottom line: Wall Watchers? rating system does not reflect CCF?s high level of accountability with 80% of funds going to programs for children.

    It is through television advertising and direct mail that CCF is able to attract approximately 300,000 sponsors and donors worldwide, enabling CCF to assist more than 4.6 million children and families worldwide. CCF provides health and nutrition benefits, educational opportunities, income generating activities for families, access to safe and clean water, assistance to AIDS orphans, and income generating activities for families. CCF has been helping children and families of all races, creeds and religions since 1938.

    Financial Information:

    Financial Ratios[ Back to top ]

    Funding RatiosDatabase Average20082007200620052004
    Return on FR Efforts9%10%12%12%11%0%
    Fundraising Cost Ratio6%10%12%11%11%0%
    Contributions Reliance83%98%97%98%98%0%
    Fundraising Expense Ratio6%10%12%11%11%0%
    Other Revenue Reliance17%2%3%2%2%0%
    Operating RatiosDatabase Average20082007200620052004
    Program Expense Ratio81%83%82%81%81%0%
    Spending Ratio100%97%101%102%96%0%
    Program Output Ratio81%80%83%83%78%0%
    Savings Ratio0%3%-1%-2%4%0%
    Reserve Accumulation Rate2%16%-5%-11%16%0%
    General & Admin Ratio12%7%6%8%7%0%
    Investing RatiosDatabase Average20082007200620052004
    Total Asset Turnover2.57x3.18x3.07x3.05x2.6x0x
    Degree of L-T Investment2.91x1.26x1.28x1.33x1.37x0x
    Current Asset Turnover4.77x4.01x3.93x4.07x3.58x0x
    Age of Assets9.5yr(s)7yr(s)4.9yr(s)4.1yr(s)4.5yr(s)0.0yr(s)
    Liquidity RatiosDatabase Average20082007200620052004
    Current Ratio122.33x3.15x3.1x2.74x2.69x0x
    Current Liabilities Ratio.32x.32x.32x.37x.37x0x
    Liquid Reserve Level5.82x2.04x2.07x1.87x2.11x0x
    Solvency RatiosDatabase Average20082007200620052004
    Liabilities Ratio.23x.3x.35x.34x.33x0x
    Debt Ratio.06x0x.08x.02x0x0x
    Reserve Coverage Ratio87%21%21%22%24%0%

    Financials[ Back to top ]

    Balance Sheet
    Assets20082007200620052004
    Cash$11,234,000$7,675,000$6,057,000$8,369,000$4,367,000
    Receivables, Inventories & Prepaids$9,284,000$8,009,000$8,855,000$11,401,000$7,504,000
    Short-Term Investments$35,046,000$38,959,000$36,969,000$31,783,000$26,665,000
    Total Current Assets$55,564,000$54,643,000$51,882,000$51,554,000$38,538,000
    Long-Term Investments$0$0$0$0$0
    Fixed Assets$14,609,000$15,347,000$17,245,000$17,099,000$16,609,000
    Other Long-Term Assets$0$0$0$2,218,000$2,651,000
    Total Long-Term Assets$14,609,000$15,347,000$17,245,000$19,317,000$19,260,000
    TOTAL ASSETS$70,174,000$69,991,000$69,127,000$70,872,000$57,799,000
    Liabilities20082007200620052004
    Payables & Accrued Expenses$17,620,000$17,612,000$18,964,000$19,134,000$13,827,000
    Other Current Liabilities$0$0$0$0$0
    Total Current Liabilities$17,620,000$17,612,000$18,964,000$19,134,000$13,827,000
    Debt$0$5,506,000$1,460,000$320,000$350,000
    Other Long-Term Liabilities$3,364,000$1,163,000$3,255,000$3,792,000$2,433,000
    Total Long-Term Liabilities$3,364,000$6,669,000$4,715,000$4,112,000$2,783,000
    TOTAL LIABILITIES$20,985,000$24,282,000$23,680,000$23,247,000$16,611,000
    Assets20082007200620052004
    Unrestricted$14,218,000$14,031,000$6,366,000$7,571,000$7,996,000
    Temporarily Restricted$27,028,000$23,876,000$31,950,000$34,436,000$27,908,000
    Permanently Restricted$7,942,000$7,800,000$7,130,000$5,616,000$5,282,000
    NET ASSETS$49,189,000$45,708,000$45,446,000$47,624,000$41,187,000
    Revenue and Expenses
    Revenue20082007200620052004
    Total Contributions$226,806,000$206,322,000$202,213,000$188,105,000$159,858,000
    Program Service Revenue$1,289,000$1,090,000$1,031,000$863,000$672,000
    Membership Dues$0$0$0$0$0
    Investment Income$1,983,000$4,425,000$1,764,000$2,047,000$1,239,000
    Other Revenue$631,000$588,000$1,095,000$784,000$688,000
    Total Other Revenue$3,904,000$6,105,000$3,891,000$3,694,000$2,600,000
    TOTAL REVENUE$230,711,000$212,427,000$206,105,000$191,799,000$162,459,000
    Expenses20082007200620052004
    Program Services$185,390,000$176,405,000$170,227,000$150,203,000$127,920,000
    Management & General$15,576,000$13,466,000$17,224,000$13,723,000$12,558,000
    Fundraising$21,979,000$24,998,000$23,660,000$20,671,000$17,938,000
    TOTAL EXPENSES$222,947,000$214,870,000$211,112,000$184,598,000$158,417,000
    Change in Net Assets20082007200620052004
    SURPLUS (DEFICIT)$7,764,000($2,442,000)($5,006,000)$7,201,000$4,041,000
    Other Changes in Net Assets($4,284,000)$2,704,000$2,829,000($764,000)$2,478,000
    TOTAL CHANGE IN NET ASSETS$3,480,000$261,000($2,177,000)$6,436,000$6,519,000

    Functional Expenses [ Back to top ]

    Funding Ratios20082007200620052004
    Grants & Allocations$35,444,000$35,121,000$38,304,000$31,067,000$22,290,000
    Specific Assistance to Individuals$115,649,000$105,325,000$98,486,000$92,439,000$82,585,000
    Benefits Paid To or For Members$0$0$0$0$0
    Compensation of Officers, Directors$1,826,000$1,557,000$1,585,000$1,009,000$911,000
    Other Salaries, Wages$24,286,000$22,643,000$23,432,000$15,955,000$13,383,000
    Pension Plan Contributions$228,000$469,000$352,000$367,000$341,000
    Other Employee Benefits$3,777,000$4,700,000$2,982,000$3,355,000$2,924,000
    Payroll Taxes$2,017,000$2,093,000$2,047,000$1,273,000$1,081,000
    Professional Fundraising Fees$479,000$374,000$344,000$128,000$114,000
    Accounting Fees$590,000$472,000$667,000$501,000$423,000
    Legal Fees$449,000$270,000$407,000$241,000$278,000
    Supplies$1,443,000$1,495,000$1,640,000$1,431,000$1,453,000
    Telephone$1,045,000$1,044,000$1,020,000$876,000$743,000
    Postage & Shipping$1,713,000$1,491,000$1,513,000$1,303,000$1,502,000
    Occupancy$1,820,000$1,928,000$1,904,000$1,678,000$1,217,000
    Equipment Rental & Maintenance$466,000$394,000$422,000$1,109,000$771,000
    Printing & Publications$750,000$535,000$0$0$0
    Travel$3,005,000$3,173,000$3,886,000$3,271,000$2,475,000
    Conferences, Conventions & Meetings$806,000$856,000$949,000$868,000$1,735,000
    Interest$91,000$134,000$81,000$45,000$49,000
    Depreciation, Depletion etc.$2,723,000$3,348,000$3,378,000$2,527,000$1,926,000
    Other Expenses$24,328,000$27,437,000$27,703,000$25,147,000$22,205,000
    TOTAL NATURAL EXPENSES$222,947,000$214,870,000$211,112,000$184,598,000$158,417,000