2026-08-17T18:37:52-04:00 2025-09-30 411414667 ESTERBROOKS CPAS LTD 302 W SUPERIOR ST STE200 DULUTH MN 55802 990 2024-10-01 411410670 COMMUNITY ACTION DULUTH INC COMM 2187261665 2424 WEST 5TH STREET DULUTH MN 55806 CLASSIE DUDLEY EXECUTIVE DIRECTOR 2187261665 2026-08-17 true false MICHAEL A PEDERSON P00454472 2187276846 2026-08-17 2024 2025-03-06 01:10:19Z CLASSIE DUDLEY 2424 WEST 5TH STREET SUITE 102 DULUTH MN 55806 2464885 false X WWW.COMMUNITYACTIONDULUTH.ORG X 1982 MN TO EMPOWER AND ENGAGE OUR COMMUNITY TO ELIMINATE POVERTY. 9 9 58 30 0 2520355 2343377 95561 118162 2550 1813 2226 1533 2620692 2464885 0 0 1796425 1645691 0 0 869860 817979 2666285 2463670 -45593 1215 705733 491529 533173 329397 172560 162132 X TO EMPOWER AND ENGAGE OUR COMMUNITY TO ELIMINATE POVERTY. false false 2114617 118162 FREE TAX SITE COMMUNITY ACTION DULUTH OPERATED ITS FREE TAX SITE DURING 2024 TO PROVIDE FREE FEDERAL AND STATE INCOME TAX PREPARATION SERVICES TO ELIGIBLE INDIVIDUALS AND FAMILIES. THE PROGRAM HELPED PARTICIPANTS ACCESS TAX REFUNDS, REFUNDABLE TAX CREDITS, AND OTHER FINANCIAL RESOURCES THAT COULD SUPPORT HOUSEHOLD STABILITY. TAX SERVICES ALSO PROVIDED AN OPPORTUNITY TO CONNECT PARTICIPANTS WITH FINANCIAL EDUCATION AND OTHER COMMUNITY ACTION DULUTH SERVICES WHEN APPROPRIATE. INTEGRATED COACHING INTEGRATED COACHING PROVIDED INDIVIDUALIZED SUPPORT TO PARTICIPANTS WORKING TOWARD GREATER FINANCIAL AND ECONOMIC STABILITY. COACHES WORKED ONE-ON-ONE WITH PARTICIPANTS TO IDENTIFY BARRIERS, ESTABLISH GOALS, DEVELOP ACTION PLANS, AND CONNECT PARTICIPANTS WITH APPROPRIATE SERVICES. COACHING ADDRESSED AREAS INCLUDING EMPLOYMENT, FINANCES, EDUCATION, HOUSING, TRANSPORTATION, AND OTHER NEEDS THAT COULD AFFECT A PARTICIPANT'S ABILITY TO ACHIEVE LONG-TERM STABILITY. INTEGRATED COACHING ALSO SUPPORTED PARTICIPANTS ENROLLED IN OTHER COMMUNITY ACTION DULUTH WORKFORCE AND TRAINING PROGRAMS. BRIDGE TO EMPLOYMENT / MFIP EMPLOYMENT SERVICES COMMUNITY ACTION DULUTH PROVIDED EMPLOYMENT SERVICES TO INDIVIDUALS PARTICIPATING IN MINNESOTA FAMILY INVESTMENT PROGRAM EMPLOYMENT SERVICES AND OTHER WORKFORCE ACTIVITIES. SERVICES INCLUDED EMPLOYMENT PLANNING, JOB-READINESS SUPPORT, CAREER EXPLORATION, ASSISTANCE ADDRESSING BARRIERS TO EMPLOYMENT, AND CONNECTIONS TO EDUCATION AND TRAINING OPPORTUNITIES. PARTICIPANTS COULD ALSO RECEIVE SUPPORT RELATED TO TRANSPORTATION, FINANCIAL STABILITY, EDUCATION, AND OTHER NEEDS AFFECTING THEIR ABILITY TO OBTAIN OR MAINTAIN EMPLOYMENT. EDUCATION AND CAREER PATHWAYS COMMUNITY ACTION DULUTH PROVIDED EDUCATION AND CAREER PATHWAY SUPPORT TO PARTICIPANTS SEEKING ADDITIONAL EDUCATION, CREDENTIALS, OR TRAINING NECESSARY TO ADVANCE THEIR EMPLOYMENT GOALS. SERVICES INCLUDED GED CLASSES AND TUTORING, CAREER PATHWAY PROGRAMMING, CNA AND HEALTH CARE TRAINING OPPORTUNITIES, EMPLOYMENT COACHING, AND CONNECTIONS TO ADDITIONAL EDUCATION AND WORKFORCE RESOURCES. THESE SERVICES WERE DESIGNED TO HELP PARTICIPANTS INCREASE EMPLOYABILITY AND ACCESS OPPORTUNITIES FOR HIGHER-WAGE AND MORE STABLE EMPLOYMENT. TRANSPORTATION PROGRAMS TRANSPORTATION PROGRAMMING ADDRESSED BARRIERS THAT COULD PREVENT PARTICIPANTS FROM OBTAINING OR MAINTAINING EMPLOYMENT, ATTENDING EDUCATION AND TRAINING, ACCESSING HEALTH CARE, AND MEETING OTHER ESSENTIAL NEEDS. SERVICES AVAILABLE DURING 2024 INCLUDED: - DRIVER EDUCATION; - ASSISTANCE OBTAINING A DRIVER'S LICENSE; - ASSISTANCE WITH VEHICLE INSURANCE; - CAR PURCHASE AND LOAN ASSISTANCE; - DONATED VEHICLE ASSISTANCE; - DONATED BICYCLES AND BICYCLE GIVEAWAYS; -GAS CARDS; AND -BUS PASSES TRANSPORTATION SERVICES ADDRESSED BOTH IMMEDIATE TRANSPORTATION NEEDS AND LONGER-TERM GOALS RELATED TO RELIABLE PERSONAL TRANSPORTATION. SEEDS OF SUCCESS SEEDS OF SUCCESS ADDRESSED FOOD INSECURITY AND ACCESS TO HEALTHY, AFFORDABLE FOOD THROUGHOUT DULUTH. PROGRAM ACTIVITIES DURING 2024 INCLUDED FARMERS MARKET OPERATIONS, MOBILE MARKET ACTIVITIES, SNAP ACCESS AND ENROLLMENT SUPPORT, HEALTHY FOOD EDUCATION, COOKING ACTIVITIES, AND PROGRAMMING CONNECTED WITH THE DEEP WINTER GREENHOUSE. THE PROGRAM WORKED TO IMPROVE ACCESS TO FRESH AND NUTRITIOUS FOOD WHILE PROVIDING OPPORTUNITIES FOR RESIDENTS TO INCREASE THEIR KNOWLEDGE OF HEALTHY FOOD PREPARATION AND LOCAL FOOD RESOURCES. COMMUNITY CONSTRUCTION COMMUNITY CONSTRUCTION PROVIDED PAID, HANDS-ON WORKFORCE TRAINING TO INDIVIDUALS FACING BARRIERS TO EMPLOYMENT WHILE CONTRIBUTING TO THE REHABILITATION OF HOUSING IN DULUTH. PARTICIPANTS GAINED PRACTICAL CONSTRUCTION EXPERIENCE IN AREAS INCLUDING DEMOLITION, FRAMING, FLOORING, DRYWALL, PAINTING, AND INSTALLATION OF WINDOWS, DOORS, AND TILE. THE PROGRAM COMBINED JOB-SITE EXPERIENCE WITH EMPLOYMENT-READINESS DEVELOPMENT, FINANCIAL EDUCATION, AND INDIVIDUALIZED COACHING. PARTICIPANTS ALSO HAD OPPORTUNITIES TO COMPLETE CONSTRUCTION-RELATED EDUCATION AND CERTIFICATIONS, INCLUDING BASIC CARPENTRY TRAINING, OSHA SAFETY TRAINING, CPR/FIRST AID/AED, AND OTHER CAREER-READINESS INSTRUCTION. INTEGRATED COACHING SUPPORTED COMMUNITY CONSTRUCTION PARTICIPANTS IN ADDRESSING FINANCIAL, EDUCATION, HOUSING, TRANSPORTATION, AND OTHER BARRIERS THAT COULD INTERFERE WITH SUCCESSFUL EMPLOYMENT. THE PROGRAM WAS DESIGNED TO PREPARE PARTICIPANTS FOR PERMANENT EMPLOYMENT AND CAREER OPPORTUNITIES IN CONSTRUCTION AND THE SKILLED TRADES WHILE PROVIDING MEANINGFUL HANDS-ON WORK EXPERIENCE. STREAM CORPS STREAM CORPS PROVIDED TRANSITIONAL EMPLOYMENT, WORKFORCE DEVELOPMENT, AND ENVIRONMENTAL STEWARDSHIP OPPORTUNITIES. PARTICIPANTS GAINED PAID WORK EXPERIENCE WHILE DEVELOPING WORKPLACE SKILLS, RELIABILITY, TEAMWORK, AND OTHER SKILLS NECESSARY FOR LONG-TERM EMPLOYMENT. PARTICIPANTS ALSO RECEIVED INTEGRATED COACHING TO HELP ADDRESS EMPLOYMENT, FINANCIAL, EDUCATION, TRANSPORTATION, AND PERSONAL STABILITY GOALS. DURING 2024, STREAM CORPS COMPLETED COMMUNITY-BASED ENVIRONMENTAL RESTORATION AND MAINTENANCE ACTIVITIES, INCLUDING WORK ASSOCIATED WITH LOCAL WATERWAYS AND INVASIVE VEGETATION WITHIN THE ST. LOUIS RIVER ESTUARY. MNSURE AND SNAP BENEFITS ENROLLMENT COMMUNITY ACTION DULUTH PROVIDED ASSISTANCE TO INDIVIDUALS AND FAMILIES SEEKING ACCESS TO PUBLIC BENEFITS, INCLUDING HEALTH INSURANCE THROUGH MNSURE AND FOOD ASSISTANCE THROUGH SNAP. STAFF ASSISTED PARTICIPANTS WITH UNDERSTANDING AVAILABLE BENEFITS, COMPLETING APPLICATIONS, NAVIGATING ENROLLMENT PROCESSES, AND ADDRESSING BARRIERS THAT COULD PREVENT ELIGIBLE HOUSEHOLDS FROM RECEIVING ASSISTANCE. BENEFITS ENROLLMENT SERVICES ALSO HELPED CONNECT PARTICIPANTS WITH OTHER COMMUNITY ACTION DULUTH PROGRAMS WHEN ADDITIONAL FINANCIAL, EMPLOYMENT, FOOD, TRANSPORTATION, OR HOUSING NEEDS WERE IDENTIFIED. FINANCIAL EDUCATION / COMMON CENTS COMMUNITY ACTION DULUTH PROVIDED FINANCIAL EDUCATION AND INDIVIDUALIZED FINANCIAL COACHING TO HELP PARTICIPANTS STRENGTHEN HOUSEHOLD FINANCIAL STABILITY. SERVICES ADDRESSED BUDGETING, CREDIT, DEBT, SAVINGS, FINANCIAL GOAL SETTING, AND PREPARATION FOR MAJOR FINANCIAL DECISIONS. COMMON CENTS FINANCIAL EDUCATION WAS ALSO INCORPORATED INTO OTHER PROGRAMS, INCLUDING WORKFORCE AND HOUSING SERVICES. FINANCIAL EDUCATION WAS INTENDED TO HELP PARTICIPANTS IMPROVE FINANCIAL KNOWLEDGE, MAKE INFORMED FINANCIAL DECISIONS, AND BUILD SKILLS THAT SUPPORTED LONGER-TERM ECONOMIC STABILITY. HOUSING COUNSELING AND HOMEOWNERSHIP SERVICES COMMUNITY ACTION DULUTH PROVIDED HOUSING COUNSELING AND HOMEOWNERSHIP EDUCATION TO INDIVIDUALS AND FAMILIES WORKING TOWARD STABLE HOUSING AND HOMEOWNERSHIP GOALS. SERVICES INCLUDED HOUSING EDUCATION, BUDGETING AND CREDIT SUPPORT, FINANCIAL PREPARATION FOR HOMEOWNERSHIP, AND ASSISTANCE IDENTIFYING BARRIERS THAT COULD AFFECT A PARTICIPANT'S ABILITY TO OBTAIN OR MAINTAIN STABLE HOUSING. HOUSING SERVICES WERE COORDINATED WITH FINANCIAL COACHING AND OTHER COMMUNITY ACTION DULUTH PROGRAMS WHEN PARTICIPANTS ALSO NEEDED ASSISTANCE RELATED TO EMPLOYMENT, TRANSPORTATION, EDUCATION, OR PUBLIC BENEFITS. 2114617 true true false false false false false false false false true false false true true false true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 18 0 true 58 true false false false false false false false false false false false false X 9 9 false false false false false false false true true false false true true true true true true true false false MN X CLASSIE DUDLEY 2187261665 2424 WEST 5TH STREET SUITE 102 DULUTH MN 55806 SHAWN PEARSON CHAIR 1.00 X X 0 0 0 SALAAM WITHERSPOON VICE CHAIR 1.00 X X 0 0 0 KAREN VALDEZ TREASURER 1.00 X X 0 0 0 AZRIN AWAL BOARD MEMBER 1.00 X 0 0 0 CARMEN WASTON BOARD MEMBER 1.00 X 0 0 0 SARAH LYONS BOARD MEMBER 1.00 X 0 0 0 SUSANA PELAYO-WOODWARD BOARD MEMBER 1.00 X 0 0 0 TIFFANY FENNER BOARD MEMBER 1.00 X 0 0 0 WENDY DURRWACHTER BOARD MEMBER 1.00 X 0 0 0 CLASSIE DUDLEY EXECUTIVE DI 40.00 X 102160 0 7332 102160 7332 1 false false false 12928 1982964 347485 2343377 PROGRAM INCOME 900099 118162 118162 118162 1813 1813 MISCELLANEOUS 900099 1533 1533 1533 2464885 119695 1813 100101 80081 20020 1229002 1105989 123013 22172 20047 2125 172211 154356 17855 122205 109129 13076 83965 83965 117044 93635 23409 3082 3082 11577 9890 1687 106819 76910 29909 8969 8969 45122 39256 5866 8333 7083 1250 5332 4745 587 CONSUMABLE SUPPLIES 261504 261504 EQUIPMENT RENTAL, MAINTEN 44557 32972 11585 TRANSPORTATION SUPPORT 40231 40231 CLIENT ASSISTANCE 28336 28336 53108 38402 14706 2463670 2114617 349053 0 -69372 15502 120943 57091 424191 273416 3900 4400 311687 220745 103193 90942 122878 50178 705733 491529 287785 260925 36906 8887 75000 133482 59585 533173 329397 X 10543 50764 162017 111368 172560 162132 705733 491529 1215 -11643 X false true X true false X 2296423 2216180 2181107 2520355 2343377 11557442 2296423 2216180 2181107 2520355 2343377 11557442 70165 11487277 1673 660 960 2550 1813 7656 11565098 447480 0.99330 0.98840 X PART II, LINE 10 MISCELLANEOUS 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 311687 220745 90942 90942 RIGHT OF USE ASSETS, OPERATING LEASE 50178 50178 LEASE LIABILITY 50178 PARTICIPANT FUNDS HELD FOR OTHERS 9407 59585 2464885 2464885 2464885 2463670 2463670 2463670 FORM 990, PAGE 2, PART III, LINE 4A FREE TAX SITE COMMUNITY ACTION DULUTH OPERATED ITS FREE TAX SITE DURING 2024 TO PROVIDE FREE FEDERAL AND STATE INCOME TAX PREPARATION SERVICES TO ELIGIBLE INDIVIDUALS AND FAMILIES. THE PROGRAM HELPED PARTICIPANTS ACCESS TAX REFUNDS, REFUNDABLE TAX CREDITS, AND OTHER FINANCIAL RESOURCES THAT COULD SUPPORT HOUSEHOLD STABILITY. TAX SERVICES ALSO PROVIDED AN OPPORTUNITY TO CONNECT PARTICIPANTS WITH FINANCIAL EDUCATION AND OTHER COMMUNITY ACTION DULUTH SERVICES WHEN APPROPRIATE. INTEGRATED COACHING INTEGRATED COACHING PROVIDED INDIVIDUALIZED SUPPORT TO PARTICIPANTS WORKING TOWARD GREATER FINANCIAL AND ECONOMIC STABILITY. COACHES WORKED ONE-ON-ONE WITH PARTICIPANTS TO IDENTIFY BARRIERS, ESTABLISH GOALS, DEVELOP ACTION PLANS, AND CONNECT PARTICIPANTS WITH APPROPRIATE SERVICES. COACHING ADDRESSED AREAS INCLUDING EMPLOYMENT, FINANCES, EDUCATION, HOUSING, TRANSPORTATION, AND OTHER NEEDS THAT COULD AFFECT A PARTICIPANT'S ABILITY TO ACHIEVE LONG-TERM STABILITY. INTEGRATED COACHING ALSO SUPPORTED PARTICIPANTS ENROLLED IN OTHER COMMUNITY ACTION DULUTH WORKFORCE AND TRAINING PROGRAMS. BRIDGE TO EMPLOYMENT / MFIP EMPLOYMENT SERVICES COMMUNITY ACTION DULUTH PROVIDED EMPLOYMENT SERVICES TO INDIVIDUALS PARTICIPATING IN MINNESOTA FAMILY INVESTMENT PROGRAM EMPLOYMENT SERVICES AND OTHER WORKFORCE ACTIVITIES. SERVICES INCLUDED EMPLOYMENT PLANNING, JOB-READINESS SUPPORT, CAREER EXPLORATION, ASSISTANCE ADDRESSING BARRIERS TO EMPLOYMENT, AND CONNECTIONS TO EDUCATION AND TRAINING OPPORTUNITIES. PARTICIPANTS COULD ALSO RECEIVE SUPPORT RELATED TO TRANSPORTATION, FINANCIAL STABILITY, EDUCATION, AND OTHER NEEDS AFFECTING THEIR ABILITY TO OBTAIN OR MAINTAIN EMPLOYMENT. EDUCATION AND CAREER PATHWAYS COMMUNITY ACTION DULUTH PROVIDED EDUCATION AND CAREER PATHWAY SUPPORT TO PARTICIPANTS SEEKING ADDITIONAL EDUCATION, CREDENTIALS, OR TRAINING NECESSARY TO ADVANCE THEIR EMPLOYMENT GOALS. SERVICES INCLUDED GED CLASSES AND TUTORING, CAREER PATHWAY PROGRAMMING, CNA AND HEALTH CARE TRAINING OPPORTUNITIES, EMPLOYMENT COACHING, AND CONNECTIONS TO ADDITIONAL EDUCATION AND WORKFORCE RESOURCES. THESE SERVICES WERE DESIGNED TO HELP PARTICIPANTS INCREASE EMPLOYABILITY AND ACCESS OPPORTUNITIES FOR HIGHER-WAGE AND MORE STABLE EMPLOYMENT. TRANSPORTATION PROGRAMS TRANSPORTATION PROGRAMMING ADDRESSED BARRIERS THAT COULD PREVENT PARTICIPANTS FROM OBTAINING OR MAINTAINING EMPLOYMENT, ATTENDING EDUCATION AND TRAINING, ACCESSING HEALTH CARE, AND MEETING OTHER ESSENTIAL NEEDS. SERVICES AVAILABLE DURING 2024 INCLUDED: - DRIVER EDUCATION; - ASSISTANCE OBTAINING A DRIVER'S LICENSE; - ASSISTANCE WITH VEHICLE INSURANCE; - CAR PURCHASE AND LOAN ASSISTANCE; - DONATED VEHICLE ASSISTANCE; - DONATED BICYCLES AND BICYCLE GIVEAWAYS; -GAS CARDS; AND -BUS PASSES TRANSPORTATION SERVICES ADDRESSED BOTH IMMEDIATE TRANSPORTATION NEEDS AND LONGER-TERM GOALS RELATED TO RELIABLE PERSONAL TRANSPORTATION. SEEDS OF SUCCESS SEEDS OF SUCCESS ADDRESSED FOOD INSECURITY AND ACCESS TO HEALTHY, AFFORDABLE FOOD THROUGHOUT DULUTH. PROGRAM ACTIVITIES DURING 2024 INCLUDED FARMERS MARKET OPERATIONS, MOBILE MARKET ACTIVITIES, SNAP ACCESS AND ENROLLMENT SUPPORT, HEALTHY FOOD EDUCATION, COOKING ACTIVITIES, AND PROGRAMMING CONNECTED WITH THE DEEP WINTER GREENHOUSE. THE PROGRAM WORKED TO IMPROVE ACCESS TO FRESH AND NUTRITIOUS FOOD WHILE PROVIDING OPPORTUNITIES FOR RESIDENTS TO INCREASE THEIR KNOWLEDGE OF HEALTHY FOOD PREPARATION AND LOCAL FOOD RESOURCES. COMMUNITY CONSTRUCTION COMMUNITY CONSTRUCTION PROVIDED PAID, HANDS-ON WORKFORCE TRAINING TO INDIVIDUALS FACING BARRIERS TO EMPLOYMENT WHILE CONTRIBUTING TO THE REHABILITATION OF HOUSING IN DULUTH. PARTICIPANTS GAINED PRACTICAL CONSTRUCTION EXPERIENCE IN AREAS INCLUDING DEMOLITION, FRAMING, FLOORING, DRYWALL, PAINTING, AND INSTALLATION OF WINDOWS, DOORS, AND TILE. THE PROGRAM COMBINED JOB-SITE EXPERIENCE WITH EMPLOYMENT-READINESS DEVELOPMENT, FINANCIAL EDUCATION, AND INDIVIDUALIZED COACHING. PARTICIPANTS ALSO HAD OPPORTUNITIES TO COMPLETE CONSTRUCTION-RELATED EDUCATION AND CERTIFICATIONS, INCLUDING BASIC CARPENTRY TRAINING, OSHA SAFETY TRAINING, CPR/FIRST AID/AED, AND OTHER CAREER-READINESS INSTRUCTION. INTEGRATED COACHING SUPPORTED COMMUNITY CONSTRUCTION PARTICIPANTS IN ADDRESSING FINANCIAL, EDUCATION, HOUSING, TRANSPORTATION, AND OTHER BARRIERS THAT COULD INTERFERE WITH SUCCESSFUL EMPLOYMENT. THE PROGRAM WAS DESIGNED TO PREPARE PARTICIPANTS FOR PERMANENT EMPLOYMENT AND CAREER OPPORTUNITIES IN CONSTRUCTION AND THE SKILLED TRADES WHILE PROVIDING MEANINGFUL HANDS-ON WORK EXPERIENCE. STREAM CORPS STREAM CORPS PROVIDED TRANSITIONAL EMPLOYMENT, WORKFORCE DEVELOPMENT, AND ENVIRONMENTAL STEWARDSHIP OPPORTUNITIES. PARTICIPANTS GAINED PAID WORK EXPERIENCE WHILE DEVELOPING WORKPLACE SKILLS, RELIABILITY, TEAMWORK, AND OTHER SKILLS NECESSARY FOR LONG-TERM EMPLOYMENT. PARTICIPANTS ALSO RECEIVED INTEGRATED COACHING TO HELP ADDRESS EMPLOYMENT, FINANCIAL, EDUCATION, TRANSPORTATION, AND PERSONAL STABILITY GOALS. DURING 2024, STREAM CORPS COMPLETED COMMUNITY-BASED ENVIRONMENTAL RESTORATION AND MAINTENANCE ACTIVITIES, INCLUDING WORK ASSOCIATED WITH LOCAL WATERWAYS AND INVASIVE VEGETATION WITHIN THE ST. LOUIS RIVER ESTUARY. MNSURE AND SNAP BENEFITS ENROLLMENT COMMUNITY ACTION DULUTH PROVIDED ASSISTANCE TO INDIVIDUALS AND FAMILIES SEEKING ACCESS TO PUBLIC BENEFITS, INCLUDING HEALTH INSURANCE THROUGH MNSURE AND FOOD ASSISTANCE THROUGH SNAP. STAFF ASSISTED PARTICIPANTS WITH UNDERSTANDING AVAILABLE BENEFITS, COMPLETING APPLICATIONS, NAVIGATING ENROLLMENT PROCESSES, AND ADDRESSING BARRIERS THAT COULD PREVENT ELIGIBLE HOUSEHOLDS FROM RECEIVING ASSISTANCE. BENEFITS ENROLLMENT SERVICES ALSO HELPED CONNECT PARTICIPANTS WITH OTHER COMMUNITY ACTION DULUTH PROGRAMS WHEN ADDITIONAL FINANCIAL, EMPLOYMENT, FOOD, TRANSPORTATION, OR HOUSING NEEDS WERE IDENTIFIED. FINANCIAL EDUCATION / COMMON CENTS COMMUNITY ACTION DULUTH PROVIDED FINANCIAL EDUCATION AND INDIVIDUALIZED FINANCIAL COACHING TO HELP PARTICIPANTS STRENGTHEN HOUSEHOLD FINANCIAL STABILITY. SERVICES ADDRESSED BUDGETING, CREDIT, DEBT, SAVINGS, FINANCIAL GOAL SETTING, AND PREPARATION FOR MAJOR FINANCIAL DECISIONS. COMMON CENTS FINANCIAL EDUCATION WAS ALSO INCORPORATED INTO OTHER PROGRAMS, INCLUDING WORKFORCE AND HOUSING SERVICES. FINANCIAL EDUCATION WAS INTENDED TO HELP PARTICIPANTS IMPROVE FINANCIAL KNOWLEDGE, MAKE INFORMED FINANCIAL DECISIONS, AND BUILD SKILLS THAT SUPPORTED LONGER-TERM ECONOMIC STABILITY. HOUSING COUNSELING AND HOMEOWNERSHIP SERVICES COMMUNITY ACTION DULUTH PROVIDED HOUSING COUNSELING AND HOMEOWNERSHIP EDUCATION TO INDIVIDUALS AND FAMILIES WORKING TOWARD STABLE HOUSING AND HOMEOWNERSHIP GOALS. SERVICES INCLUDED HOUSING EDUCATION, BUDGETING AND CREDIT SUPPORT, FINANCIAL PREPARATION FOR HOMEOWNERSHIP, AND ASSISTANCE IDENTIFYING BARRIERS THAT COULD AFFECT A PARTICIPANT'S ABILITY TO OBTAIN OR MAINTAIN STABLE HOUSING. HOUSING SERVICES WERE COORDINATED WITH FINANCIAL COACHING AND OTHER COMMUNITY ACTION DULUTH PROGRAMS WHEN PARTICIPANTS ALSO NEEDED ASSISTANCE RELATED TO EMPLOYMENT, TRANSPORTATION, EDUCATION, OR PUBLIC BENEFITS. FORM 990, PAGE 6, PART VI, LINE 11B THE FORM 990 IS COPIED AND DISTRIBUTED TO THE BOARD MEMBERS A WEEK BEFORE THE BOARD MEETING. AT THE MEETING THE BOARD MEMBERS COMPARE THE FORM 990 TO THE AUDIT AND MANAGEMENT REPORTS. BOARD MEMBERS ARE GIVEN THE OPPORTUNITY TO ASK QUESTIONS. FORM 990, PAGE 6, PART VI, LINE 12C DURING THE ANNUAL BOARD MEETING THE MEMBERS REVIEW AND DISCUSS THE CONFLICT OF INTEREST POLICY AND EACH BOARD MEMBER IS REQUIRED TO SIGN THE POLICY YEARLY. FORM 990, PAGE 6, PART VI, LINE 15A THE PROCESS FOR DETERMINING COMPENSATION OF THE EXECUTIVE DIRECTOR INCLUDES REVIEW AND APPROVAL BY THE HIRING COMMITTEE, USE OF COMPARABILITY DATA, AND CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING OF THE DELIBERATIONS AND DECISIONS. THE PROCESS WAS LAST USED IN 2018. FORM 990, PAGE 6, PART VI, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.