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Channels of Love Ministries Inc

EIN 20-1602391 · Chattanooga, TN

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthFair68 out of 100GovernanceGood71 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

TO STRENGTHEN AND EMPOWER THOSE INFECTED WITH OR AFFECTED BY HIV THROUGH INNOVATIVE CLIENT SERVICES, PROGRAM AND EDUCATION WHILE PRESENTING CHRIST'S UNCONDITIONAL LOVE AND HIS PROMISE OF SALVATION.

Income
$147,584
Spending
$151,549
Spent on programs
85%
Reserves
1 months of spending
Largest source of income
donations and private grants, 62%
Employees
4
Volunteers
36
Highest pay
$50,000, executive director

Source: Form 990 for the year ending September 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Fair: 68 out of 100.

  • Reserves

    10 of 35

    Spendable reserves would cover 1.0 months of spending.

  • Debt

    20 of 20

    It owes 0% of what it owns.

  • Living within its means

    8 of 15

    Spending exceeded income by 3% of income.

  • Income trend

    15 of 15

    Income rose 10% on the year before.

  • Spending floor

    15 of 15

    85% of spending went to programs and raising each dollar of donations cost 0 cents.

Source: Form 990 for the year ending September 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Good: 71 out of 100.

  • Independent board

    25 of 25

    6 of 6 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    0 of 8

    Reports no written whistleblower policy.

  • Record keeping policy

    0 of 7

    Reports no written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    0 of 10

    Did not give the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending September 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (5)
  1. $73,361 spent. PSYCHOSOCIAL SUPPORT:OUR PURPOSE IS TO PROVIDE PSYCHOSOCIAL SUPPORT TO THOSE WHO ARE HIV POSITIVE. BOTH INDIVIDUAL AND GROUP SUPPORT WAS PROVIDED IN THE FORM OF INDIVIDUAL COUNSELING, BIBLE STUDY AND SOCIAL ACTIVITIES.717 UNITS WERE PROVIDED TO HIV+ CLIENTS AND THEIR FAMILIES.
  2. $42,574 spent. CASE MANAGEMENT:SERVED 65 HIV+ CLIENTS WITH 2,754 UNITS OF CASE MANAGEMENT SERVICES TO AID CLIENTS IN ACCESSING SOCIAL AND HEALTH SERVICES TO OPTIMIZE PHYSICAL, MENTAL AND SPIRITUAL HEALTH.
  3. $6,063 spent. MEDICAL TRANSPORTATION ASSISTANCE:TRANSPORTATION ASSISTANCE IS PROVIDED FOR DOCTOR APPOINTMENTS, HAVE LABS DRAWN, AND TO ACCESS SOCIAL SERVICES TO ASSIST CLIENTS IN MEDICAL COMPLIANCE. 452 TRANSPORTATION SERVICES WERE PROVIDED IN THE FORM OF AGENCY VAN, BUS PASSES, AND GAS CARDS FOR 33 CLIENTS.
  4. $3,641 spent. EMERGENCY FINANCIAL ASSISTANCE:EMERGENCY FINANCIAL ASSISTANCE WAS PROVIDED IN THE FORM OF UTILITY PAYMENTS TO HELP PREVENT HOMELESSNESS AND ENSURE GOOD HEALTH FOR 18 FAMILIES.
  5. $3,048 spent. FOOD BANK VOUCHERS AND MEAL PROGRAMS:553 SERVICES PROVIDED TO 36 FAMILIES TO ENSURE PROPER NUTRITION TO OPTIMIZE GOOD HEALTH OUTCOMES. SERVICES INCLUDE: MEALS, VOUCHERS TO THE CHATTANOOGA AREA FOOD BANK, PROVIDING FRESH FRUITS AND VEGETABLES, AND SUPPLYING GROCERIES FROM OUR FOOD PANTRY.

Source: Form 990 for the year ending September 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated September 30, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated September 10, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending September 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since January 2005.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 7, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.