Community Improvement (S31) 990 on File

STONE COMMUNITY DEVELOPMENT CORPORATION NFP

EIN: 82-5398407 · CHICAGO, IL 60651-3142 · United States · FY 2025 Data

2 out of 5 29 / 100 Based on 2+ years of filings

Financial strength (30%) 38/100

Reliability (20%) 45/100

Effectiveness (25%) 36/100

Impact (25%) No data yet

Financial data: FY 2025 · Scored 10/18/2026

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Financial Overview — FY 2025

$400K

Total Revenue

$302K

Total Expenses

$-22,821

Net Assets

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 27.4%

Fundraising Efficiency N/A

Operating Reserve -0.91x

Liability-to-Asset 106.7%

Revenue Diversification 60.7%

Compared with Peers

FY 2025

Compared with 2,524 similar organizations (United States, Community Improvement, $100K–$1M in expenses), FY 2025.

This organization Middle half of peers (P25–P75) Peer median

Ratio	This org	Peer median	Position (P10 → P90)
Program expense ratio Program expenses / total expenses · higher is better	27.4%	84.5%	P10P90	Bottom quarter
Admin expense ratio Management and general / total expenses · lower is better	72.6%	12.8%	P10P90	Bottom quarter
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	0.0%	0.0%	P10P90	Top quarter
Operating reserve Months of expenses covered by net assets · higher is better	-0.9 mo	11.0 mo	P10P90	Bottom quarter
Liabilities to assets Total liabilities / total assets · lower is better	106.7%	2.3%	P10P90	Bottom quarter
Revenue concentration Share of revenue from the largest source · lower is better	60.7%	91.5%	P10P90	Top quarter
Revenue growth Year over year revenue growth	55.7%	4.0%	P10P90
Expense growth Year over year expense growth	-7.5%	7.6%	P10P90
Surplus margin Surplus as a share of revenue	24.6%	2.4%	P10P90

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2025	$400K	$302K	$-22,821	27.4%	1
2024	$257K	$326K	$-121,406	29.1%	1
2022	$184K	$188K	$-98,056	32.5%	0
2021	$54K	$89K	$-60,228	88.3%	0

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Organization Details

EIN: 82-5398407
State: IL
City: CHICAGO
ZIP: 60651-3142
Classification: S31
Category: Community Improvement
Rating: 2★
Coverage: A
Last Updated: Aug 2026
Form 990: On File

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CharityAI™ rates charities from 0 to 100 using public filings (IRS Form 990 and the equivalent registries outside the US) together with the information the charity itself provides on DonationX. Ratings are recalculated every quarter, without human bias, and shown as stars.

Four pillars

Financial strength30%

Program expense ratio, fundraising efficiency, operating reserves, liabilities and revenue diversification, compared with similar organizations.

Reliability20%

Standing with the registry, filing history, verification and how complete the profile is.

Effectiveness25%

How much goes to programs and how consistently the organization delivers them.

Impact25%

The outcomes the charity reports on DonationX: people served, cost per service and results.

Stars

★★★★★ 80–100 ★★★★☆ 60–79 ★★★☆☆ 40–59 ★★☆☆☆ 20–39 ★☆☆☆☆ 1–19

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"Compared with peers" places the charity's key ratios against organizations of the same country, sector and size.

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