Nonprofit Analysis Project
BMAL 602
Nonprofit Analysis Project
By: Sonya Dease
December 15, 2023
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Part I
How important is the Christian worldview in running a nonprofit organization?
The Christian worldview is based on the infallible Word of God. Often, the foundation of
nonprofit organizations is in response to a default individual’s view in society. These defaults
can include lack of food, shelter insecurity, challenges to adequate medical services, and lack of
access to economic resources. When leaders implement biblical standards into operations, they
instill high ethical standards and deal fairly. Organizations operate in accordance in principles
outlined in the bible (Tackett, 2006). “Unequal weights are an abomination to the Lord, and
false scales are not good” Proverbs 20:23 (English Standard Version Bible, 2001).
Modeling good Christian values in life and business can be a challenge but its often
incredibly fulfilling. Successful businessman and multibillionaire, Warren Buffet, believes that
integrity and ethics are essential to success. To be successful it is advised to be honest in the
business setting. Honesty is at the foundation of our values and could extend to workplace
situations. This will often aid in the opportunity to advance. “Better is a poor person who walks
in his integrity than one who is crooked in speech and is a fool” Proverbs 19:1 (English Standard
Version Bible, 2001). Secondly, it’s best to treat people right in business. This is a cornerstone
of good business and should apply to clients served and also employees. “And if thou sell out
unto thy neighbour, or buyest ought of thy neighbour’s hand, ye shall not oppress one another”
Leviticus 25:14 (English Standard Version Bible, 2001). Finally, for profit businesses who
operate under similar values donate to worthy causes of similar values. This generosity can
come in the form of giving money, expertise, time, or care to support causes that alight well with
Christian principles and demonstrate good personal and corporate citizenship (BlueField
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University, 2021). “Now this I say, he who sows sparingly will also reap sparingly, and he who
sows bountifully will also reap bountifully. Each one must do just as he has purposed in his
heart, not grudgingly or under compulsion, for God loves a cheerful giver. And God is able to
make all grace abound to you, so that always having all sufficiency, in everything, you may have
an abundance for every good deed.” 2 Corinthians 9:6 (English Standard Version Bible, 2001).
Part II
Annie E. Casey Foundation
The Annie E. Casey Foundation was established in 1948 by the founder of UPS Jim
Casey and his siblings in honor of their mother. At its initial conception, the organization
supported a camp for disadvantaged kids in Seattle (About Us, 2023). When Jim Casey died in
1983, the foundation was a large recipient of his estate and his endowment doubled in 1999 when
UPS raised $5.47 billion from an initial public offering. Shortly before his death, Jim Casey
believed the organization should thrive to commit to a “renewed determination to think
creatively, to learn from what has succeeded and what has failed, and to foster a sense of
common commitment among all those concerned with the welfare of children.” (Annie E. Casey
Foundation, 2015)
The Annie E. Casey Foundation specializes in supporting ways to ensure kids have
strong, supportive families, increase economic opportunity, transform struggling communities,
and strengthening social sector leaders dedicated to improving the lives of young people. This
nonprofit organization is one of the largest in Baltimore providing financial support to
organizations that offers programs in line with the organization mission. The organization is
overseen by a 14-member board of trustees responsible for the selection of executive
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management, operations, and grant making. To be eligible for the foundation grants, an
organization must be a tax-exempt organization (nonprofits, public charities, and universities)
and public agency in the United States. In addition to funding, the board shares the expertise
with community advocates, policymakers, and government officials to support improving
practices and policies for children and families (About Us, 2023).
Associated Black Charities of Maryland
Associated Black Charities of Maryland is a nonprofit organization in Baltimore,
Maryland formed in 1985. The organization inception was formed in response to the challenges
experienced within African American community. A group of area ministers and businessmen
came together to distribute and raise funds targeting the specific needs of African Americans in
Maryland. As a result, Associated Black Charities (ABC) was provided a planning grant of
$100,000 by the United Way. The organization is overseen by an elected board of directors
comprised of local leaders advocating to close the wealth gap addressing structural racism that is
handicaps the community (Mission & History, 2023).
The programs and services are supported by federal and private grants and ABC is also a
funding source for other organizations. The organization uses the equity framework to support
the capacity of organizations including workforce practitioners addressing economic system
barriers and prohibit people of color from economic advancement. In the end, Associated Black
Charities are advocating for increased wages and opportunities for employment/career growth
which will end the wage and wealth gap people of color who are low wealth and working with
low wages thus unable to purchase homes, start businesses, and invest in higher education
(Mission & History, 2023).
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CASH Campaign of Maryland
CASH (Creating Assets, Savings, and HOPE) Campaign of Maryland was formed in
2017 after a merger of CASH Campaigns of Baltimore and Maryland. The organization
promotes economic advancement for low-to-moderate income individuals and families in
Baltimore and across Maryland. Through a portfolio of direct service programs, building
organizational and field capacity, and leading policy and advocacy initiatives aimed at
strengthening family economic stability. Practitioner training and capacity building includes
volunteer and partner training, fee for service customized training, and technical assistance. In
2022 CASH trained 2,013 practitioners with financial content and provided 109 customized
training/conference sessions. Policy research and advocacy focuses on policies that help or
hinder financial stability of low-to-moderate income Marylanders. In 2022, CASH tracked 131
bills and supported 45 through written and oral testimony (Mission/History | CASH Campaign of
Maryland, 2018).
The board of directors of the organization represent major companies and nonprofit
leaders within the state of Maryland managing the organization’s leadership and assisting in
identifying funding opportunities. The organization receives federal and state grants, nonprofit
grants, and individual donations from community members. The mission of CASH Campaign of
Maryland focuses on providing free Volunteer Income Tax Assistance (VITA) to help low-
income individuals and families file tax returns, avoid predatory fees and claim then Earned
Income Tax Credit (EITC); coordinating and expanding access to free, fact-based financial
services and products; recruiting, training, and managing corps of volunteers; leads a network of
direct service providers that offer free tax preparation, financial education, and coaching, benefits
screening, and access to appropriate financial services; building statewide program capacity by
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integrating asset building services into public and private systems; and leads research and
advocacy on effective program practices, innovative state policies, and issues affecting the
financial security of low-income individuals and families (Mission/History | CASH Campaign of
Maryland, 2018).
St. Vincent De Paul Baltimore
St. Vincent De Paul of Baltimore is a long-lasting nonprofit organization supporting the
Baltimore region since 1865. This organization emerged during the Civil War where the earlier
volunteer members sought to live their faith by caring for others and became pioneers in the
development of social programs. At its earlier conception, the members intended to support the
poor by bringing them food, clothing, and coal to heat their homes satisfying the very basic
needs. In 1986, the organization took over a local soup kitchen called Beans & Bread and
expanded its community services focusing on homeless services, employment training, early
childhood education, and healthy food access (Our History, 2020).
The organization’s operating budget has grown from $400,000 to over $30 million and
they receive funds from federal and state grants, and donations (Our History, 2020). St. Vincent
de Paul of Baltimore is a part of a national society of councils representing a network of friends
inspired by Gospel values, growing in holiness, and building a more just world through personal
relationships with and service to people in need (Our Faith in Action - SVDP USA, 2022).
Within the past year, this chapter has served over 1 million meals, provided early childhood
education to over 500 children, placed 64 individuals in jobs, and sheltered over 70,000
homeless individuals (Our Impact, 2023).
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Catholic Charities of Baltimore
Catholic Charities of Baltimore is a chapter of a national nonprofit organization. Catholic
Charities has been in operation for 100 years founded by Archbishop Michael Joseph Curley.
The national organization was founded by a group of men and women who believed that the
collective efforts of the church to faithfully serve people in need could change the source of
poverty in our nation. The organization’s guiding principle is to act in accordance of James 2:15-
16: “If a brother or sister has nothing to wear and has no food for the day and one of you says to
them, ‘Go in peace, keep warm, and eat well.’ but you do not give them the necessities of the
body, what good is it?” (Our Ministry - Catholic Charities USA, n.d.).
Catholic Charities of Baltimore operates under six key focuses: healing trauma and
addiction, aging with dignity, welcoming new neighbors, achieving independence, empowering
careers, and supporting children and families. Through a dedicated network of employees and
volunteers over 160,000 lives are impacted through the services offered and 500,000 meals are
provided to individuals depending on daily hot meals. In Maryland there are 200 locations to
ensure they can serve within the overall mission (Our Impact, n.d.).
Center for Urban Families
Center for Urban Families is a nonprofit organization founded in 1999 with a mission to
address city pressing issues including poverty, unemployment, father-absence, and family
disintegration. Center for Urban Families operates under the belief that men, who are the most
disconnected and underserved citizens in urban communities, who connect with women, their
children, and the workplace are key to the restoration of stability and optimism. The
organization’s goal is to assist individuals in regaining the personal power needed to benefit their
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families and communities. Joseph T. Jones, a Baltimore City Health Department Social Worker,
recognized that within the city’s landscape there were few resources available to support fathers.
He was inspired to create the Men’s Services program as a part of the Baltimore City Health
Department’s Healthy Start Program. Joe saw that participating fathers were committed but
lacked skills necessary to provide for their children. Over time, his dedication to the cause
would be the Center for Fathers, Families and Work Force Development which was later
renamed Center for Urban Families (About Us – CFUF, 2023).
The board of directors is comprised of a mixture of community, business, and industry
leaders who share the mission and dedication to supporting fathers within Baltimore City. The
funds received to operate are generated from federal and state grants, non-profit organizations,
and community donations. The Center for Urban Families is also one of the few organizations to
receive funding from the Oprah Winfrey Foundation. Since it’s inception, over 32,000
Baltimoreans have been served providing the bridge that many have needed to attain stability,
while emerging as a leader in the national conversation on responsible fatherhood and black male
achievement. Upon completion of the workforce development initiative, over 1,400 men and
women annually are served securing over 4,800 full time jobs (About Us – CFUF, 2023).
Collegebound Foundation
The CollegeBound Foundation was started in 1988 under a city-wide challenge to
increase college-educated individuals in the workforce. Organizations including the Greater
Baltimore Committee, Baltimoreans United in Leadership Development (BUILD) and then-
Mayor Kurt Schmoke joined to form a coalition to respond to the community need. The group
looked at the city’s public schools and saw dedicated teachers, counselors, and administrators.
They also say students who were not getting the resources they needed to reach college and
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graduate. The structural gaps that existed were college advising in the public high schools, lack
of accessible scholarship money, and “Last Dollar Grant” gap funding which makes up the
difference between financial aid and what a student’s family can afford (History, 2023).
The board of directors is comprised of leaders in business, education, and community
nonprofit organizations working together to assist Baltimore City school students realize dreams
of college education. Over time CollegeBound foundation has leveraged over $61.8 million in
financial aid for Last Dollar Grant recipients, assisted over 96,000 students with completing
college applications and finding funds to attend college, provided an overview of college access
to over 313,000 students through group presentations, and award over $7.2 million dollars in
Last Dollar Grants to 2,200 scholars. The model of CollegeBound includes programs
CollegeBound College Access Program Specialists, CollegeBound Scholarships and Need-Based
Last Dollar Grants, CollegeBound City-Wide Seminars, and CollegeBound College Success
Program (What We Do, 2023).
Special Olympics of Maryland
The Special Olympics organization was formed in 1968 to support individuals with
intellectual disabilities. The organization launched a high-level sports competition at the Unified
Cup, family-friendly fun at the Torch Run and Global Day of Inclusion festival, and a star-
studded concert at Northerly Island. Special Olympics is founded on the belief that people with
intellectual disabilities can, with proper instruction and encouragement, learn, enjoy, and benefit
from participation in individual and team sports. They believe that consistent training is
indispensable to the development of an individual’s sports skills. In addition, competition among
these equal abilities is the most appropriate means of testing these skills, measuring progress, and
providing incentives for personal growth (History, 2016).
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Special Olympics of Maryland is a local chapter of an international organization
implementing programs to build confidence in individuals with mental and physical limitations.
The programs are supported by local businesses who provide sponsorship opportunities and
assist in fundraising efforts. Additional supportive sources of funds are received through special
events, individual contributions, grants, donated goods and services, direct marketing, and
investments (Special Olympics Maryland – Experience Inclusion, 2022).
Fuel Fund of Maryland
Fuel Fund of Maryland was established in 1981 in response to the energy crisis in the late
1970s. The oil embargo squeezed supply which caused energy prices to soar. Baltimore City
councilwomen, Victorine O. Adams, intervened and created the Fuel Fund. Fuel Fund of
Maryland aims to be a lifeline for vulnerable Maryland neighbors struggling with a home utility
hardship. This organization assists with navigating through an array of financial community
resources that empower, engage, and safely connect households in times of crisis.
Operation HOPE
Operation HOPE was created by founder John Hope Bryant in April 1992 in response to
the civil unrest experienced during the Rodney King Riots. Witnessing a community going
through economic challenges, Bryand intended to “disrupt poverty” and generate economic
inclusion through free financial education programs and consulting services. In March 1994, the
first Operation HOPE Vision Center was opened in a national network of inner-city banking
centers to serve low-wealth communities. The “Banking on our Future” was founded, leading
the urban delivery system for financial literacy education for youth across America. Over time,
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additional initiatives would be started in response to our country’s challenges such as September
11 and Hurricane Katrina (Our History, 2023).
Through support received from federal agencies, national operations, and community
donations, Operation HOPE has been able to create programs in line with the company’s mission
including credit & money management, homeownership, small business development, financial
disaster recovery, employee financial wellness, and youth & young adult. As a nonprofit,
Operation HOPE has been able to generate $50 million in revenue and consistently received the
highest charity rating for its adherence to sector best practices, executing mission in a financially
effective manner and commitment to accountability and transparency (Our History, 2023).
Part III
Operation HOPE has drastically increased visibility since founded in 1992. Through
partnerships with banks, fortune 500 companies, and federal agencies, the company has been
able to continue operating in the company’s mission and purpose. Economic inequality, financial
illiteracy, social injustice, inequitable access to capital and lack of financial dignity are systemic
issues that have prevented the prosperity of under-served individuals and small businesses. As a
result of the commitment to empowering the under-served community, Operation HOPE has
helped clients increase credit scores, reduce debt, improve credit scores, buy homes, obtain
financing, prepare, and recover from disasters, start new businesses, and take existing businesses
to the next level of success (How We Help - Programs, 2023).
Fundraising
To perform in accordance with the organization’s mission, Operation HOPE must
generate sufficient revenue to meet operating needs and manage assets for long-term
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effectiveness and survival. Fundraising is a great benefit to a nonprofit. These benefits can
include financial stability, increased brand visibility, stronger relationships with donors, and
collaborations with corporate sponsors. Financial stability is vital to fundraising as this
establishes a reliable donation pipeline to support programs, services, projects, and daily
operations. Increasing the organization’s brand visibility is a great way to capture the attention
of prospective supporters and volunteers (Myers, 2023).
In 2021, Operation HOPE was able to significantly increase fundraising efforts. The
organization experienced an 81% increase from 2020 and a 152% increase from 2019. These
sources of funds include grants and scholarships contributions, in-kind contributions, and
government revenue. The in-kind donations are assets Operation HOPE utilizes to carry out the
mission of the organization. This includes office space, professional services, e-commerce
subscriptions, goods, land, and buildings. In many of the partner relationships Operation HOPE
has, there is a dedicated office space for an appropriate team member. This office space is
provided at no cost and valued at market rates. In addition, Operation HOPE received a building
and land valued at over $1 million dollars. The use of the building will be for general activities
related to the execution of client services. The increase in fundraising efforts is a clear indication
of the commitment the community has in the mission and values of Operation HOPE (2023).
Strategic Plan
The strategic plan of a nonprofit is the best way to determine the steps necessary to meet
the organization’s mission and goals. The strategic plan is often a written plan that records the
decisions reached and the goals, strategies, and objectives to be pursued. The plan is often used
to stimulate wider discussion throughout the organization and its constituencies. The audience
includes the organization’s board members, staff volunteers, clients, funders, other organizations,
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the news media and the public. A major benefit of strategic planning is it helps build wide
consensus and common understanding about mission, vision, values, goals, and strategies
(Worth, 2020).
Operation HOPE is dedicated to uplifting the community. The programs and services are
offered at no cost and available to adults, youth, disaster survivors, and employees. The
company plans to build financial dignity by providing programming and coaching to equip the
clients with financial knowledge and tools to create a secure future. The program offers a HOPE
Inside model, offers a financial coach focused on credit & money management, homeownership,
or small business coaching located in a partner location. The partners include financial
institutions, corporations, municipal agencies, and community organizations. The HOPE Inside
the Workplace model offers a financial wellness program to a major company’s employees. The
program is offered by companies including Delta Airlines, UPS, City of Birmingham, and Harley
Davidson (How We Help - Programs, 2023).
Performance
Since the organization’s foundation in 1992, the impact of the programs has been broad
and far reaching. This has been due to Operation HOPE being able to identify the greatest areas
of need to help others gain financial dignity and move towards better social equity, set audacious
goals to make an impact in the focused areas. In 2022, Operation HOPE was able to open its
200th location. Clients enrolled in coaching on average have been able to (How We Help -
Programs, 2023):
Achieve 42-point increase in credit score.
Reduce $1,944 revolving debt.
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Increase savings by $1,100.
Assist in $1billion in mortgages funded through Fulton Bank
Establish savings for 5,760 kindergarten students enrolled in Atlanta public school.
Educate over 1.9 million adults in financial literacy.
Educate over 1.4 million youth with financial literacy workshops.
Volunteerism
Volunteering with nonprofit organizations is as valuable a contribution as donating funds.
Individuals who get involved in organizations directly is offered a firsthand opportunity to
witness the difference programs and services have in the community. The volunteering
experience can transform participants in the best way possible and create an entirely new outlook
on life. Individuals are able to take an introspective approach to acquiring new skills and
improving existing ones.
Volunteers who join Operation HOPE are young people and adults with financial tools
and education necessary to secure a better future by coaching them through their personal
aspirations, life challenges, and facilitate the journey to financial independence. Volunteers can
participate in Operation HOPE disaster recover efforts. Assisting thousands of people impacted
by disasters and providing them with financial preparedness and recovery support. Support the
organization’s 1MBB (1 Million Black Businesses) assisting black entrepreneurs and black small
business owners leading webinars, engage in formal discussions, and serve as mentors to HOPE
clients. Operation HOPE also offers annual meetings to discuss financial inclusion. Volunteers
can participate in those events as HOPE speaks to build an economy that works for everyone.
Volunteers can meet with the world’s leading influencers around financial inclusion and create
opportunities of free enterprise for everyone (How We Help - Programs, 2023).
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Governing Boards/Executive Leadership
The Board of Directors within a nonprofit organization is a team of individuals
responsible for ensuring the organization serves its mission and are concerned for the overall
welfare of the organization. This team often plays a critical role in connecting the nonprofits to
community and constituencies to build financial capacity.
The board of directors within Operation HOPE are an appointed team of international
leaders sharing the furthering the organization’s vision. The members are comprised of leaders
of partner organizations, industry leaders, and former government officials. The board’s makeup
includes a variety of councils, territory designation, and a governing board. Each group has their
own particular focus to contribute to the overall performance of Operation HOPE (How We Help
- Programs, 2023).
Capacity Building
Capacity building within an organization focuses on the components necessary to build a
company that can support, sustain, and expand effective programs to make a meaningful impact.
The U.S Congress recognized the importance of a nonprofit’s ability to build capacity and
enacted legislation, Edward M. Kennedy Serve America Act, to provide grants to developing
nonprofits. As organizations grow, support from other sources including other nonprofits is
applied. For Operation HOPE, the capacity building support comes in the form of many in-kind
donations. These donations include office space, land, and buildings the company will use to
staff for program services.
Part IV
Recommendations
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Operation HOPE has been able to achieve great work and has cemented the position as a
leading organization in financial literacy. As I was researching current programming, I have
noticed recommendations that could truly be beneficial. These include:
Offering homebuyer grant options at other institutions other than Fulton Bank
Incentivize clients in financial literacy program.
Publicly recognize high performing and successful team members to build morale
of the exhausting work performed.
Offer college grants to assist with the burden of higher education costs.
Expanding youth programs to reinforce education importance.
Include local community leaders to board development.
Advocate for additional support needed for the underserved community.
Support current homeowners with assistance including foreclosure counseling and
financial support.
The work performed by the organization is greatly needed. However, as a leader, the
organization has the commitment of major companies and government organizations. By
expanding services, they will take the necessary step of addressing the inequalities the
organization currently understands exists.
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Letter to Organization
Dear Operation HOPE,
I am currently enrolled in a Nonprofit Management at Liberty University and was asked
to write a letter to a preferred organization. After watching a segment where your CEO, John
Hope Bryant, discussed the organization and his commitment to assisting the underserved
communities, I was intrigued and decided to research the organization further. Since 1992, your
organization has been able to reach millions and more importantly secured the commitment from
major companies to support the efforts. Securing relationships with banks, allowing them to
reach a segment of the country that often exhibit apprehension to establishing accounts based on
prior bad experiences or just lack of understanding how accounts work, is a true demonstration in
businesses looking beyond the bottom line. This could change the trajectory of many
generations that often-visited check cashing, liquor stores, or third-party vendors like CashAPP
to manage monthly financial transactions.
While the work is great, I would like to take a moment to share some recommendations
that could further your organization’s efforts. The first involves your homeownership program. I
noticed that your organization assisted in securing over 1 billion dollars in mortgage loans with
Fulton Bank. While reviewing this further, it appears to have been paired with a grant to assist
first time homebuyer lessen their contribution to the upcoming purchase. As Fulton Bank is
expanding its footprint and opening new locations, I would recommend extending this service to
your other partner financial institutions. As you are aware homeownership is one of the
American dreams that many are struggling to complete in the current market. Increase in home
costs, interest rates, and cost of living has not matched the income of the low to moderate income
community. By extending the grant to other institutions you will be able to assist households
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that may not have access to Fulton Bank. Another recommendation is to promote assistance
options for clients who are current homeowners. With the recent economic challenges
experienced in COVID, many received a firsthand experience financial instability can have on
maintaining monthly obligations. Foreclosure rates have been extremely high these past couple
of years and as federal funding has been exhausted, it’s up to other institutions to offer remedies
to assist the underserved homeowners. Finally for client programming, I recommend an incentive
for clients enrolled in your financial literacy program. These clients are often unable to maintain
savings, open traditional bank accounts, or secure financing for personal needs. If there’s a
dedicated account or matching contribution incentive, clients would be able to continue
successful management measures as they experience life challenges.
Your youth programming is truly beneficial in ensuring our future generations are aware
of economic resources and can adequately participate in society. Your program emphasizes
financial management, but I believe this can be expanded. As you are aware, the education
system has severe challenges with properly preparing students with fundamentals necessary to
succeed. By your organization capturing the attention of young minds promoting financial
independence and confidence, there should also be a commitment to achieve academic
excellence. This can be achieved through partnering with local organizations like the Boys and
Girls Club that offer after school programs. As many of the students utilizing these services
come from low to moderate income families, there is a strong need for college assistance. The
offering of college grants will not only increase attendance and hopefully graduation of our
future workforce but also aid in the reduction many of them face (myself included) with
mounting student loan debt. Offering scholarships aligns with the company’s passion of
reducing the amount of accrued debt many face.
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The goals Operation HOPE have achieved is a true example of the dedication and
commitment of your coaches. This work is demanding and needs to be recognized publicly. Just
as the company is promoting client testimonials, there should also be recognition of successful
coaches. As the coaches are often in the trenches working on assisting clients with their financial
goals, company recognition on the website could truly aid in building morale and commitment to
furthering the work.
The last recommendations involve expanding key players in the company programming.
The board of directors are major players in business and government agencies, but there is no
individual with lived experience currently on the board. As you are offering programming to
support the underserved community, it would behoove you to have a firsthand account from
someone going through those challenges offering perspective. They can be part of an advisory
council, and this offering would truly show your commitment to allowing this underserved
community to join the decision-making process. Finally, as you receive feedback and witness
the impact of federal regulations on families, there should be an advocacy effort the organization
promotes. As Operation HOPE is a national organization, advocating for national issues will
ensure clients, volunteers, and others reinforce these changes within the local community. We
are all a part of this wonderful village and often need to speak up for the ones who feel voiceless.
Thank you,
Sonya Dease
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