- Revenue 2024
- $12,140,098
- Expenses 2024
- $11,253,617
Program services were 95.9% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.
As filed
- Subsection
- 03
- NTEE code
- P81Z
- Classification
- 1000
- Street
- 1801 SMITH ST
These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).
Mission and programs · 2024
Mission
AREA FIVE AGENCY ON AGING AND COMMUNITY SERVICES' MISSION IS TO PROVIDE PROGRAMS & SERVICES THAT WILL BENEFIT LOW INCOME, DISADVANTAGED & OLDER PERSONS. WE SERVE OUR MISSION IN CASS, FULTON, HOWARD, MIAMI, TIPTON, AND WABASH COUNTIES IN INDIANA.
-
DURING THE REPORTING PERIOD, THE PROGRAM SUCCESSFULLY ASSISTED OLDER ADULTS AND THEIR FAMILIES IN MAKING INFORMED CHOICES ABOUT AVAILABLE CARE OPTIONS, THEREBY PREVENTING INAPPROPRIATE OR PREMATURE INSTITUTIONAL PLACEMENTS.THE SENIOR NUTRITION PROGRAM CONTINUED TO PLAY A VITAL ROLE IN SUPPORTING BOTH THE PHYSICAL AND SOCIAL WELL-BEING OF SENIORS IN THE COMMUNITY. CONGREGATE MEAL SITES PROVIDED OPPORTUNITIES FOR FELLOWSHIP, SOCIAL ENGAGEMENT, AND PARTICIPATION IN HEALTH AND WELLNESS ACTIVITIES AT SEVEN LOCATIONS THROUGHOUT THE SIX-COUNTY SERVICE AREA. FOR THOSE UNABLE TO LEAVE THEIR HOMES, NUTRITIOUS HOME-DELIVERED MEALS WERE PROVIDED TO ENSURE CONTINUED ACCESS TO ADEQUATE NUTRITION AND REGULAR WELL-BEING CHECKS.IN ADDITION TO NUTRITION SERVICES, AREA FIVE CONTINUED TO OFFER OR COORDINATE A WIDE RANGE OF SUPPORTIVE PROGRAMS, INCLUDING TRANSPORTATION FOR MEDICAL AND PERSONAL NEEDS, INFORMATION AND REFERRAL ASSISTANCE TO CONNECT CLIENTS WITH COMMUNITY RESOURCES, CAREGIVER SUPPORT AND RESPITE SERVICES TO ALLEVIATE CAREGIVER BURDEN, AND GUIDANCE FOR GRANDPARENTS RAISING GRANDCHILDREN THROUGH TARGETED EDUCATION AND SUPPORT.COLLECTIVELY, THESE EFFORTS ENABLED AREA FIVE TO ENHANCE THE SAFETY, STABILITY, AND INDEPENDENCE OF VULNERABLE INDIVIDUALS ACROSS ITS SERVICE AREA, FULFILLING ITS MISSION TO PROMOTE AGING WITH DIGNITY AND CHOICE.
Expenses $3,654,563 · Revenue $591,581
-
AREA FIVE'S HEAD START PROGRAM SERVES 160 CHILDREN AND FAMILIES ACROSS CASS, FULTON, AND WABASH COUNTIES. CHILDREN FROM LOW-INCOME FAMILIES (130% OF THE FEDERAL POVERTY LEVEL OR BELOW) RECEIVE NUTRITIONALLY BALANCED BREAKFASTS, LUNCHES, AND SNACKS EACH DAY, ALONG WITH DEVELOPMENTALLY APPROPRIATE, INDIVIDUALIZED INSTRUCTION. THE PROGRAM EMPHASIZES LITERACY, NUMERACY, MATH, AND SCIENCE, HELPING CHILDREN LEARN THROUGH CONTEXT-RICH, ENGAGING EXPERIENCES IN AN ENVIRONMENT OF ACCEPTANCE, LOVE, UNDERSTANDING, AND STRUCTURE.THE ADMINISTRATIVE TEAM, IN COLLABORATION WITH TEACHERS AND ASSISTANT TEACHERS, SUPPORTS FAMILIES THROUGHOUT THE YEAR BY HELPING PARENTS SET AND ACHIEVE PERSONAL AND FAMILY GOALS. PARENTS ARE ENCOURAGED TO ACTIVELY PARTICIPATE IN THEIR CHILD'S LEARNING, VOLUNTEERING IN CLASSROOMS, SERVING ON THE PARENT COMMITTEE, OR CONTRIBUTING TO THE POLICY COUNCIL. EACH DAY, THE PROGRAM SEES PARENTS AND CHILDREN GROWING TOGETHER THROUGH ENGAGEMENT, EMPOWERMENT, AND SHARED LEARNING EXPERIENCES.
Expenses $2,313,912
-
AS A DUAL AREA AGENCY ON AGING AND COMMUNITY ACTION AGENCY, AREA FIVE HAS THE UNIQUE CAPACITY TO MEET THE NEEDS OF INDIVIDUALS AND FAMILIES FROM BIRTH THROUGH THE AGING YEARS. OUR COMMUNITY SERVICES PROGRAM FOCUSES ON HELPING FAMILIES MOVE TOWARD GREATER SELF-SUFFICIENCY THROUGH A VARIETY OF PROGRAMS, TECHNIQUES, AND ACTIVITIES TAILORED TO INDIVIDUAL NEEDS. WE GUIDE FAMILIES IN ACCESSING APPROPRIATE SERVICES WHILE HELPING THEM MAKE THE MOST OF THEIR AVAILABLE RESOURCES. THROUGH INITIATIVES LIKE INDIVIDUAL DEVELOPMENT ACCOUNTS (IDAS), WE ENCOURAGE PARTICIPANTS TO INVEST IN THEIR FUTURE BY SAVING FOR HOMEOWNERSHIP, EDUCATION, OR SMALL BUSINESS DEVELOPMENT. THESE OPPORTUNITIES HELP BUILD LONG-TERM FINANCIAL STABILITY AND INDEPENDENCE. AREA FIVE'S PROGRAMS ENCOMPASS A WIDE RANGE OF SUPPORTIVE SERVICES, INCLUDING SMALL BUSINESS DEVELOPMENT INITIATIVES, PARENT SUPPORT AND EDUCATION GROUPS, AND HEALTH AND WELLNESS PROGRAMS, HOUSING SUPPORTS, ALONG WITH MANY OTHER ACTIVITIES THAT STRENGTHEN AND COMPLEMENT THESE EFFORTS. OUR SUCCESS IS DRIVEN BY THE DEDICATION OF HUNDREDS OF VOLUNTEERS WHO CONTRIBUTE THOUSANDS OF HOURS EACH YEAR TO HELP FAMILIES IN OUR COMMUNITY. AREA FIVE'S MULTIFACETED MISSION MOTIVATES OUR STAFF TO EITHER PROVIDE DIRECT ASSISTANCE OR CONNECT PARTICIPANTS WITH THE MOST APPROPRIATE COMMUNITY RESOURCES. WE LEVERAGE A DIVERSE ARRAY OF TOOLS AND PARTNERSHIPS BOTH WITHIN OUR AGENCY AND THROUGHOUT OUR SERVICE AREA TO CREATE LINKAGES THAT SUPPORT INDIVIDUALS IN ACHIEVING THEIR GOALS. WE CHALLENGE OUR STAFF, FAMILIES, AND COMMUNITY BUSINESSES AND MEMBERS TO JOIN US IN BUILDING UPON THIS STRONG FOUNDATION OF SERVICE, COMPASSION, AND COLLABORATION.
Expenses $1,679,877
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HOUSING AND DEVELOPMENT PROGRAMAREA FIVE AGENCY ON AGING & COMMUNITY SERVICES HAS LED ECONOMIC AND COMMUNITY DEVELOPMENT THROUGHOUT OUR SERVICE REGION BY CREATING HOUSING AND COMMERCIAL REAL ESTATE PROJECTS TAILORED TO LOCAL NEEDS. OUR PROJECTS ARE BUILT ON INNOVATION, COLLABORATION, AND COMPASSION, ENSURING THAT EVERY INITIATIVE STRENGTHENS THE COMMUNITIES WE SERVE.AREA FIVE HAS DEVELOPED MORE THAN 300 UNITS OF RENTAL HOUSING AND MORE THAN 30 HOMEOWNERSHIP OPPORTUNITIES. THESE PROJECTS RANGE FROM SINGLE-FAMILY HOMES TO LARGE APARTMENT COMPLEXES AND ARE DESIGNED TO SERVE SPECIAL POPULATIONS, INCLUDING SENIOR CITIZENS, INDIVIDUALS WITH MENTAL ILLNESS, AND PERSONS WITH DISABILITIES.WE ALSO IMPLEMENT THE HOUSING CHOICE VOUCHER PROGRAM (HCV) FOR CASS, HOWARD, GRANT, MIAMI, AND WABASH COUNTIES ASSISTING CLIENTS WITH LOCATING HOUSING THAT PARTICIPATES IN THE HCV PROGRAM AND PROVIDING THE BENEFIT TO THE LANDLORDS. BEYOND HOUSING, THE AGENCY HAS INVESTED IN COMMUNITY SPACES THAT ENHANCE QUALITY OF LIFE, INCLUDING SENIOR CENTERS, HISTORIC PRESERVATION PROJECTS SUCH AS LIBRARIES, AND DOWNTOWN STREETSCAPE IMPROVEMENTS. EACH PROJECT IS A PARTNERSHIP THAT BRINGS TOGETHER FINANCIAL INSTITUTIONS, FUNDING AGENCIES, AND LOCAL ORGANIZATIONS. MANY OF THESE INITIATIVES HAVE SERVED AS STATEWIDE AND REGIONAL MODELS FOR INNOVATIVE COMMUNITY DEVELOPMENT.REVENUES GENERATED FROM THESE PROJECTS ARE REINVESTED INTO AREA FIVE'S PROGRAMS, ALLOWING THE AGENCY TO EXPAND ESSENTIAL SERVICES AND REACH MORE RESIDENTS ACROSS ALL AREAS OF ITS MISSION.ENERGY ASSISTANCE PROGRAM (EAP)THE ENERGY ASSISTANCE PROGRAM SUPPORTS INCOME-ELIGIBLE HOUSEHOLDS, PARTICULARLY SENIORS, INDIVIDUALS WITH DISABILITIES, AND THOSE FACING UTILITY DISCONNECTION DURING THE COLD WINTER MONTHS. SERVING CASS, HOWARD, MIAMI, TIPTON, AND WABASH COUNTIES, THE PROGRAM ENSURES FAMILIES STAY SAFE AND WARM BY PROVIDING ASSISTANCE WITH ENERGY COSTS. THE EAP PROGRAM INCLUDES AN EDUCATIONAL COMPONENT THAT HELPS CLIENTS REDUCE ENERGY CONSUMPTION THROUGH SIMPLE, LOW-COST, OR NO-COST METHODS.
Expenses $3,139,317 · Grants $2,362,446 · Revenue $43,718
As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.
Officers and directors · 2024
As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.
-
Charles R LadowCHARLES R LADOW
EXECUTIVE DIRECTOR
- Total calculated
- $167,934
- From this org
- $151,385
- From related orgs
- $0
- Other
- $16,549
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $151,385
- Bonus
- $0
- Other
- $0
- Deferred
- $527
- Nontaxable benefits
- $16,022
- Filer's total
- $167,934
-
Melissa HardyMELISSA HARDY
CHIEF FINANCIAL OFFICER
- Total calculated
- $110,728
- From this org
- $97,356
- From related orgs
- $0
- Other
- $13,372
- Hours/week
- 40
-
Chad HigginsCHAD HIGGINS
PRESIDENT
- Total calculated
- $0
- Hours/week
- 1
-
Terri SmithTERRI SMITH
VICE PRESIDENT
- Total calculated
- $0
- Hours/week
- 1
-
Anthony CampbellANTHONY CAMPBELL
TREASURER
- Total calculated
- $0
- Hours/week
- 1
-
Karen McLeanKAREN MCLEAN
SECRETARY
- Total calculated
- $0
- Hours/week
- 1
-
Michele StarkeyMICHELE STARKEY
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Diana SkillenDIANA SKILLEN
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Van TaylorVAN TAYLOR
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Joann BurkeJOANN BURKE
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Linda HoffLINDA HOFF
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Jim TroyerJIM TROYER
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Kathy MughmawKATHY MUGHMAW
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Marta MendezMARTA MENDEZ
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Marla WhiteMARLA WHITE
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Abby Ward McDonaldABBY WARD MCDONALD
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Andrea AlanisANDREA ALANIS
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.
Filings
-
2024
- Revenue
- $12,140,098
- Expenses
- $11,253,617
- Contributions
- $11,364,531
- Grants paid
- $2,362,446
-
2023
- Revenue
- $9,285,456
- Expenses
- $9,041,991
- Contributions
- $8,567,160
- Grants paid
- $1,786,801
-
2022
- Revenue
- $8,866,491
- Expenses
- $8,735,315
- Contributions
- $8,174,542
- Grants paid
- $1,252,813
The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.
Other returns filed
-
2021 · 990
- Revenue
- $8,306,706
- Expenses
- $7,947,808
- Assets (EOY)
- $5,632,774
-
2020 · 990
- Revenue
- $8,768,440
- Expenses
- $8,424,572
- Assets (EOY)
- $5,351,655
-
2019 · 990
- Revenue
- $8,089,428
- Expenses
- $7,937,550
- Assets (EOY)
- $5,332,071
-
2018 · 990
- Revenue
- $7,692,470
- Expenses
- $7,786,295
- Assets (EOY)
- $5,386,449
-
2017 · 990
- Revenue
- $7,177,970
- Expenses
- $6,957,508
- Assets (EOY)
- $6,406,331
-
2016 · 990
- Revenue
- $7,307,338
- Expenses
- $7,316,397
- Assets (EOY)
- $6,420,469
-
2015 · 990
- Revenue
- $7,626,925
- Expenses
- $7,886,148
- Assets (EOY)
- $6,896,965
-
2014 · 990
- Revenue
- $8,357,007
- Expenses
- $8,220,332
- Assets (EOY)
- $7,277,780
-
2013 · 990
- Revenue
- $8,032,555
- Expenses
- $7,651,640
- Assets (EOY)
- $6,967,818
-
2012 · 990
- Revenue
- not reported
- Expenses
- $8,139,186
- Assets (EOY)
- $6,451,696
Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.
Grants made
No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.
Grants received
-
2023 OUTREACH & ENROLLMENT
-
2024 OUTREACH & ENROLLMENT
-
2022 OUTREACH & ENROLLMENT
-
$81,500
2023 SUPPORT HEALTH ISSUES
-
$77,748
2024 Senior Medicare Patrol funding & Produce for Better Health Program
-
$63,556
2023 Senior Medicare Patrol funding & Produce for Better Health Program
-
2025 OUTREACH & ENROLLMENT
-
$59,500
2025 GENERAL SUPPORT
-
$31,250
2022 SUPPORT HEALTH ISSUES
-
$25,221
2022 Senior Medicare Patrol funding & Produce for Better Health Program
The 10 largest by cash amount. The API serves every itemized grant.
Taxable family
From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.
Related corporations and trusts on its 2024 return
-
COMMUNITY INVESTMENT INC
C · INVESTMENT · IN · 75% owned · share of income $25 · share of assets -$307,252 · controlled entity
Other IRS files
Auto-Revocation List
Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.
Publication 78
Listed as of 13 October 2026, under deductibility PC.
These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.
What this page reflects
The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.