Charity Search / LOVE & SERVICE 4TH & 5TH STEP INC
Mental Health & Crisis Intervention (F20) 990 on File

LOVE & SERVICE 4TH & 5TH STEP INC

EIN: 46-0953828 · NIPOMO, CA 93444-0246 · United States · FY 2025 Data
2 out of 5 32 / 100 Based on 2+ years of filings
Financial strength (30%) 61/100
Reliability (20%) 40/100
Effectiveness (25%) 21/100
Impact (25%) No data yet
Financial data: FY 2025 · Scored 9/13/2026
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CharityAI™ Score
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Financial Overview — FY 2025
$64K
Total Revenue
$40K
Total Expenses
$88K
Net Assets
N/A
Employees
Revenue Sources
Expense Breakdown
Program Expense Ratio 2.2%
Fundraising Efficiency N/A
Operating Reserve 26.14x
Liability-to-Asset 28.2%
Revenue Diversification 100.0%
Compared with Peers
FY 2025
Compared with 1,293 similar organizations (United States, Mental Health & Crisis Intervention, under $100K 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
2.2% 77.9%
P10P90
Bottom quarter
Operating reserve
Months of expenses covered by net assets · higher is better
26.1 mo 10.5 mo
P10P90
Above median
Liabilities to assets
Total liabilities / total assets · lower is better
28.2% 0.0%
P10P90
Bottom quarter
Revenue concentration
Share of revenue from the largest source · lower is better
100.0% 100.0%
P10P90
Bottom quarter
Revenue growth
Year over year revenue growth
10.8% -1.2%
P10P90
Expense growth
Year over year expense growth
0.3% -1.8%
P10P90
Surplus margin
Surplus as a share of revenue
37.0% 7.4%
P10P90
Financial History
Year Revenue Expenses Net Assets Program % Staff
2025 $64K $40K $88K 2.2% —
2024 $58K $40K $64K 58.8% —
2023 $74K $40K $47K 11.3% —
2022 $33K $33K N/A — 1
2020 $29K $27K N/A — 1
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Organization Details
EIN
46-0953828
State
CA
City
NIPOMO
ZIP
93444-0246
Classification
F20
Category
Mental Health & Crisis Intervention
Rating
2★
Coverage
A
Last Updated
Aug 2026
Form 990
On File
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