Housing & Shelter (L99) IRS Verified DX Registered 990 on File

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EIN: 38-3934212 · MONTEREY, CA 93942-0413 · United States · FY 2025 Data

3 out of 5 59 / 100 Based on 2+ years of filings

Financial strength (30%) 84/100

Reliability (20%) 76/100

Effectiveness (25%) 86/100

Impact (25%) No data yet

Financial data: FY 2025 · Scored 9/13/2026

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CharityAI™ Score

out of 100

Mission Statement

The Interfaith Homeless Lodging Program (I-HELP) provides emergency shelter, meals, transportation, and support services to people experiencing homelessness in Monterey. Through a network of local faith communities operating seven nights a week, I-HELP offers not only a safe place to sleep, but also dignity, stability, and a path toward housing, employment, and hope.

Financial Overview — FY 2025

$446K

Total Revenue

$350K

Total Expenses

$195K

Net Assets

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 94.0%

Fundraising Efficiency 10.0%

Operating Reserve 6.68x

Liability-to-Asset 0.0%

Revenue Diversification 98.9%

Compared with Peers

FY 2025

Compared with 2,936 similar organizations (United States, Housing & Shelter, $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	94.0%	87.3%	P10P90	Above median
Admin expense ratio Management and general / total expenses · lower is better	5.9%	11.8%	P10P90	Above median
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	0.1%	0.0%	P10P90	Bottom quarter
Fundraising efficiency Fundraising expenses / gross fundraising income · lower is better	10.0%	24.3%	P10P90	Above median
Operating reserve Months of expenses covered by net assets · higher is better	6.7 mo	13.5 mo	P10P90	Below median
Liabilities to assets Total liabilities / total assets · lower is better	0.0%	21.9%	P10P90	Top quarter
Revenue concentration Share of revenue from the largest source · lower is better	98.9%	90.8%	P10P90	Below median
Revenue growth Year over year revenue growth	32.9%	4.8%	P10P90
Expense growth Year over year expense growth	2.3%	4.2%	P10P90
Surplus margin Surplus as a share of revenue	21.5%	-6.0%	P10P90

CharityAI™ Evaluation — 2025

24 / 100

Financial

Reliability

Effectiveness

Impact

Financial Strength (30%) 0

Reliability & Transparency (20%) 61

Program Effectiveness (25%) 38

Impact & Outcomes (25%) 10

0 programs

IRS Verified 85% Data Complete

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2025	$446K	$350K	$195K	94.0%	15
2024	$335K	$342K	$99K	94.7%	17
2023	$383K	$339K	$102K	100.0%	0
2022	$255K	$252K	N/A	—	0

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Organization Details

EIN: 38-3934212
State: CA
City: MONTEREY
ZIP: 93942-0413
Classification: L99
Category: Housing & Shelter
Rating: 3★
Coverage: A
Last Updated: Aug 2026
IRS Ruling Year: 1994
Foundation Code: 15
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

A pillar with no data counts as zero. Without impact metrics the score is capped at 59 (three stars): only the charity can supply that data.
The coverage grade (A to D) says how much filing data the score rests on; NONE means there is not enough to rate.
An organization that is not in good standing with its registry (for example a revoked tax exemption) is shown as Not rated.
"Compared with peers" places the charity's key ratios against organizations of the same country, sector and size.

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