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Ladies of Charity of Chatanooga Inc

EIN 62-0847871 · Chattanooga, TN

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

LegitimacyPassesRegistration and standingFinancial healthStrong100 out of 100GovernanceGood75 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

TO SERVE THE NEEDY OF OUR COMMUNITY IN A SPIRIT OF FAITH, HUMILITY AND SIMPLICITY.

Income
$517,117
Spending
$448,714
Spent on programs
100%
Reserves
12 months of spending
Largest source of income
fees for its services, 42%
Employees
6
Volunteers
100

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Strong: 100 out of 100.

  • Reserves

    35 of 35

    Spendable reserves would cover 12.0 months of spending.

  • Debt

    20 of 20

    It owes 0% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 13% of income.

  • Income trend

    15 of 15

    Income rose 88% on the year before.

  • Spending floor

    15 of 15

    100% of spending went to programs and raising each dollar of donations cost 0 cents.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Good: 75 out of 100.

  • Independent board

    25 of 25

    17 of 17 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

    10 of 10

    Gave the board a copy of this return before filing it.

  • Independent check of accounts

    6 of 15

    Its accounts were not audited or reviewed by an independent accountant.

  • No reported misuse

    10 of 10

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

Source: Form 990 for the year ending December 31, 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 (6)
  1. $144,774 spent. THE OPERATION OF A THRIFT STORE IN A DISTRESSED NEIGHBORHOOD. PROVIDING AFFORDABLE USED ITEMS FOR THE COMMUNITY AND ALSO FREE ITEMS FOR THOSE WHO QUALIFY TO RECEIVE FUNDS.
  2. $298,448 spent. SOCIAL SERVICE MINISTRY - ASSISTANCE IS PROVIDED IN AREA'S OF RENT, UTILITIES, MEDICAL, FOOD, GAS, LEGAL FEE'S AND NON-CASH ASSISTANCE AS IN CLOTHING AND HOUSEHOLD GOODS. WE SERVED 4013 PEOPLE IN 2025.
  3. $2,125 spent. ANNUAL CHRISTMAS PROGRAM FOR THE COMMUNITY TO ENJOY. FOR 2025, 117 FAMILIES INCLUDING 414 CHILDREN INCLUDING ONE HOMLESS PERSON WERE SERVED FROM THE ANGEL TREE AT ST JUDE CATHOLIC CHURCH. WE RECEIVED $29,425 IN GIFT CARDS FROM ST. JUDE CATHOLIC CHURCH, $2050 FROM THE LADIES OF CHARITY AND $100 FROM ST GERARDS CATHOLIC CHURCH FOR A TOTAL OF $31,500.
  4. $1,077 spent. FREE LUNCH PROGRAM - 50 SANDWICHES AND FRUIT ARE DISTRIBUTED EVERY FRIDAY WE ARE OPEN. IN JUNE OF 2025 WE INCREASED THE NUMBER TO 70 SANDWICHES. THESE SANDWICHES ARE MADE WITH MAINLY DONATED ITEMS. THIS IS 3140 SERVED. THE FIRST FRIDAY OF EVERY MONTH ST GERARDS CATHOLIC CHURCH HANDLES MAKING THE FREE LUNCHES.
  5. $1,830 spent. LAYETTE PROGRAM - WE HAVE PARTNERED MANY ORGANIZATIONS SOME OF WHICH INCLUDE ERLANGER HEALTH CENTER, PARK RIDGE HOSPITALS AND BETHLAHEM CENTER. THEY GIVE THEIR INDIGENT PATIENTS LAYETTES. EACH LAYETTE INCLUDES A NEW BASKET, DIAPERS/WIPES AND BOTTLES. HAND MADE QUILTS/BLANKETS. ALSO CLOTHING, BIBS, PACIFIERS ETC. APPROX 50 ITEMS ARE IN EACH LAYETTE WITH A VALUE OF $600, 99 LAYETTES WERE DISTRIBUTED IN 2025. WE HAVE VOLUNTEERS WHO MAKE BABY QUILTS AND BLANKETS FOR THE LAYETTES. THE LADIES AUXILIARY AND OUR THRIFT STORE HAD BABY SHOWERS FOR OUR LAYETTE PROGRAM. WE RECEIVED CLOTHING LEFT OVER FROM 2 CONSIGEMENT SALES VALUED AT APPROXIMATELY $59,400 IN CLOTHING AND ITEMS. WE RECEIVED $3418 IN DONATIONS FOR OUR LAYETTE PROGRAM.
  6. $460 spent. Reta Rogers Easter Basket Program - Donations are collected and accepted for this program. We have partnered with St Jude School who does a Lenten Project of collecting items for these baskets. The Ladies of Charity buys all the chocolate bunnies for the baskets. The baskets are sold from the resale store for $7 each. We collected $1194 in donations specifically for the Easter Basket program. There were 272 baskets made IN 2025.

Source: Form 990 for the year ending December 31, 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 October 13, 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 October 13, 2026.

  3. Are donations tax-deductible? Worth knowing.

    Not individually listed by the IRS as eligible, which is usual for churches. The master file records contributions to it as deductible.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

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

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

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

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

    Recognized by the IRS since March 1946.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 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 21, 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.