Human Services (P60) IRS Verified DX Registered 990 on File

SUB ZERO MISSION

EIN: 45-4386322 · PAINESVILLE, OH 44077-4812 · United States · FY 2025 Data

5 out of 5 80 / 100 Based on 2+ years of filings

Financial strength (30%) 81/100

Reliability (20%) 77/100

Effectiveness (25%) 90/100

Impact (25%) 70/100

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

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CharityAI™ Score

out of 100

Mission Statement

The Sub Zero Mission is a veteran-founded 501(c)(3) nonprofit dedicated to ensuring nobody freezes to death in America. We provide warming items and direct outreach to people experiencing homelessness while helping veterans overcome homelessness through resource navigation, peer support, suicide prevention, and connections to housing, VA services, and community resources.

Financial Overview — FY 2025

$775K

Total Revenue

$574K

Total Expenses

$1.0M

Net Assets

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 86.6%

Fundraising Efficiency 66.7%

Operating Reserve 21.66x

Liability-to-Asset 1.7%

Revenue Diversification 99.4%

Executive Compensation $31K

Compared with Peers

FY 2025

Compared with 7,718 similar organizations (United States, Human Services, $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	86.6%	87.1%	P10P90	Below median
Admin expense ratio Management and general / total expenses · lower is better	7.2%	9.8%	P10P90	Above median
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	6.2%	0.0%	P10P90	Bottom quarter
Fundraising efficiency Fundraising expenses / gross fundraising income · lower is better	66.7%	11.2%	P10P90	Below median
Operating reserve Months of expenses covered by net assets · higher is better	21.7 mo	8.7 mo	P10P90	Top quarter
Liabilities to assets Total liabilities / total assets · lower is better	1.7%	1.1%	P10P90	Below median
Revenue concentration Share of revenue from the largest source · lower is better	99.4%	95.9%	P10P90	Below median
Revenue growth Year over year revenue growth	3.5%	5.6%	P10P90
Expense growth Year over year expense growth	-0.6%	6.5%	P10P90
Surplus margin Surplus as a share of revenue	25.9%	2.4%	P10P90

CharityAI™ Evaluation — 2025

75 / 100

100

Financial

Reliability

Effectiveness

Impact

Financial Strength (30%) 100

Reliability & Transparency (20%) 77

Program Effectiveness (25%) 50

Impact & Outcomes (25%) 70

1,328 served annually $150 per beneficiary 1 programs 11 staff

IRS Verified Form 990 on File 90% Data Complete

Impact

1 program

Outcome / Program	People Served	Cost / Service	# Completed	Duration
Delivery of coats, hats, boots, gloves and sleeping bags	1,328	$150.00	—	Per Day

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2025	$775K	$574K	$1.0M	86.6%	11
2024	$748K	$578K	$836K	75.8%	0
2023	$533K	$474K	$666K	77.3%	0
2022	$383K	$223K	$602K	61.6%	0

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Organization Details

EIN: 45-4386322
State: OH
City: PAINESVILLE
ZIP: 44077-4812
Classification: P60
Category: Human Services
Rating: 5★
Coverage: A
Last Updated: Aug 2026
IRS Ruling Year: 2011
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.
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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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