Life Challenge Of Western Northcarolina Inc
Life Challenge Of Western Northcarolina Inc shows consistent revenue growth and asset accumulation with no reported officer compensation.
EIN: 205900465 · Cullowhee, NC · NTEE: F20 · Updated: 2026-03-28
Is Life Challenge Of Western Northcarolina Inc Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Life Challenge Of Western Northcarolina Inc directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Life Challenge Of Western Northcarolina Inc
Life Challenge Of Western Northcarolina Inc (EIN: 205900465) is a nonprofit organization based in Cullowhee, NC, classified under NTEE code F20. The organization reported total revenue of $207K and total assets of $345K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Life Challenge Of Western Northcarolina Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Life Challenge Of Western Northcarolina Inc is a small nonprofit that has been operating for 19 years, with 12 years of IRS 990 filings on record (2011–2022). Revenue has grown at a compound annual rate of 8.2%.
Key Financial Metrics (2022)
From the most recent IRS 990 filing on record:
| Total Revenue | $248K |
| Total Expenses | $217K |
| Surplus / Deficit | +$31K |
| Total Assets | $374K |
| Total Liabilities | $126K |
| Net Assets | $248K |
| Operating Margin | 12.6% |
| Debt-to-Asset Ratio | 33.6% |
| Months of Reserves | 20.7 months |
Financial Health Grade: A
In 2022, Life Challenge Of Western Northcarolina Inc reported a surplus of $31K with revenue exceeding expenses, holds 20.7 months of operating reserves (strong position), has a debt-to-asset ratio of 33.6% (moderate leverage).
Financial Trends
Over 12 years of filings (2011–2022), Life Challenge Of Western Northcarolina Inc's revenue has grown at a compound annual growth rate (CAGR) of 8.2%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2022 | +1.0% | +29.1% | +4.7% |
| 2021 | +29.1% | -6.2% | +21.9% |
| 2020 | +2.4% | +6.4% | +0.8% |
| 2019 | -4.3% | -7.9% | +2.1% |
| 2018 | +15.8% | -8.4% | -1.0% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1200 |
| IRS Ruling Date | 2007 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Life Challenge Of Western Northcarolina Inc with a Mission Score of 85 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 15%
- programs: 80%
- fundraising: 5%
According to IRS 990 filings, Life Challenge Of Western Northcarolina Inc allocates its expenses as follows: admin: 15%, programs: 80%, fundraising: 5%. With 80% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2022)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $31K, with revenue exceeding expenses.
- Debt-to-asset ratio: 33.6%.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, indicating that its leadership may be entirely volunteer-based or compensated through non-officer categories, which is highly unusual for an organization of its size and operational history.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Life Challenge Of Western Northcarolina Inc's IRS 990 filings:
- Lack of detailed functional expense breakdown in provided data makes precise spending efficiency analysis difficult.
- Unusually consistent 0% officer compensation across all filings, which might warrant further inquiry into how leadership is supported or compensated.
Strengths
The following positive indicators were identified for Life Challenge Of Western Northcarolina Inc:
- Consistent revenue generation and growth over the past decade, from $149,404 in 2013 to $248,317 in 2022.
- Significant reduction in liabilities, from $230,609 in 2013 to $125,690 in 2022, indicating improved financial health.
- Positive trend in net assets, demonstrating financial stability and growth.
- Consistent reporting of 0% officer compensation, potentially indicating a highly efficient or volunteer-driven leadership structure.
Frequently Asked Questions about Life Challenge Of Western Northcarolina Inc
Is Life Challenge Of Western Northcarolina Inc a legitimate charity?
Based on AI analysis of IRS 990 filings, Life Challenge Of Western Northcarolina Inc (EIN: 205900465) some concerns. Mission Score: 85/100. 2 red flags identified, 4 strengths noted.
How does Life Challenge Of Western Northcarolina Inc spend its money?
Life Challenge Of Western Northcarolina Inc directs 80% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Life Challenge Of Western Northcarolina Inc tax-deductible?
Life Challenge Of Western Northcarolina Inc is registered as a tax-exempt nonprofit (EIN: 205900465). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does Life Challenge Of Western Northcarolina Inc sustain its operations without officer compensation?
The consistent reporting of 0% officer compensation across all filings suggests that the organization's leadership may be entirely volunteer-based or compensated through other means not classified as officer compensation on the 990 form. This is a unique operational model that could contribute to lower administrative costs.
What is the trend in the organization's net assets?
The organization's net assets have shown a positive trend, increasing from $49,274 in 2013 (Assets $279,883 - Liabilities $230,609) to $248,090 in 2022 (Assets $373,780 - Liabilities $125,690), indicating strong financial growth and stability over the decade.
Is the organization financially stable given its revenue and expense patterns?
Yes, the organization appears financially stable. In most recent years, revenues have exceeded expenses (e.g., $248,317 revenue vs. $217,121 expenses in 2022), leading to surpluses that contribute to asset growth and a reduction in liabilities.
Filing History
IRS 990 filing history for Life Challenge Of Western Northcarolina Inc showing financial trends over 12 years of public records:
Over 12 years of IRS 990 filings (2011–2022), Life Challenge Of Western Northcarolina Inc's revenue has grown by 138.8%, moving from $104K to $248K. Total assets increased by 31.6% over the same period, from $284K to $374K. Total functional expenses rose by 101.6%, from $108K to $217K. In its most recent filing year (2022), Life Challenge Of Western Northcarolina Inc reported a surplus of $31K, with revenue exceeding expenses. The organization holds $126K in liabilities against $374K in assets (debt-to-asset ratio: 33.6%), resulting in net assets of $248K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2022 | $248K | $217K | $374K | $126K | — | View 990 |
| 2021 | $246K | $168K | $357K | $140K | — | View 990 |
| 2020 | $190K | $179K | $293K | $154K | — | View 990 |
| 2019 | $186K | $169K | $291K | $162K | — | View 990 |
| 2018 | $194K | $183K | $285K | $173K | — | View 990 |
| 2017 | $168K | $200K | $287K | $187K | — | View 990 |
| 2016 | $221K | $185K | $335K | $202K | — | View 990 |
| 2015 | $183K | $162K | $307K | $211K | — | View 990 |
| 2014 | $172K | $145K | $299K | $224K | — | View 990 |
| 2013 | $149K | $136K | $280K | $231K | — | View 990 |
| 2012 | $108K | $107K | $278K | $242K | — | View 990 |
| 2011 | $104K | $108K | $284K | $249K | — | View 990 |
Year-by-Year Financial Summary
- 2022: Revenue of $248K, expenses of $217K, and assets of $374K (revenue +1.0% year-over-year).
- 2021: Revenue of $246K, expenses of $168K, and assets of $357K (revenue +29.1% year-over-year).
- 2020: Revenue of $190K, expenses of $179K, and assets of $293K (revenue +2.4% year-over-year).
- 2019: Revenue of $186K, expenses of $169K, and assets of $291K (revenue -4.3% year-over-year).
- 2018: Revenue of $194K, expenses of $183K, and assets of $285K (revenue +15.8% year-over-year).
- 2017: Revenue of $168K, expenses of $200K, and assets of $287K (revenue -24.2% year-over-year).
- 2016: Revenue of $221K, expenses of $185K, and assets of $335K (revenue +21.0% year-over-year).
- 2015: Revenue of $183K, expenses of $162K, and assets of $307K (revenue +6.5% year-over-year).
- 2014: Revenue of $172K, expenses of $145K, and assets of $299K (revenue +14.8% year-over-year).
- 2013: Revenue of $149K, expenses of $136K, and assets of $280K (revenue +37.8% year-over-year).
- 2012: Revenue of $108K, expenses of $107K, and assets of $278K (revenue +4.3% year-over-year).
- 2011: Revenue of $104K, expenses of $108K, and assets of $284K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Life Challenge Of Western Northcarolina Inc:
Data Sources and Methodology
This transparency report for Life Challenge Of Western Northcarolina Inc is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.