Better Business Bureau Report for
Chinese Mutual Aid Association

Better Business Bureau Report issued August 2012
Better Business Bureau Report expires August 2014

Does not meet one or more standards
This charity does not meet one or more of the 20 standards for Charity Accountability. Find out more...

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Charity Contact Information

Name: Chinese Mutual Aid Association
Address: 1016 W. Argyle Street
  Chicago, IL 60640
Phone: 773-784-2900
Web Address:
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Better Business Bureau Comments

Year, State Incorporated: 1981, Illinois
Affiliates: None
Stated Purpose: Chinese Mutual Aid Association (CMAA) is a community-based social services agency. Their mission is to serve the needs, promote the interests, and enhance the well-being of Chinese and other immigrants and refugees in the Chicagoland area, and to foster their participation in and assimilation into American society.

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Evaluation Conclusions


Chinese Mutual Aid Association does not meet the following 2 Standards for Charity Accountability.

Standard 1: Oversight of Operations and Staff - Organizations shall have a board of directors that provides adequate oversight of the charity's operations and its staff. Indication of adequate oversight includes, but is not limited to, regularly scheduled appraisals of the CEO's performance, evidence of disbursement controls such as board approval of the budget, fund raising practices, establishment of a conflict of interest policy, and establishment of accounting procedures sufficient to safeguard charity finances.

Chinese Mutual Aid Association does not meet this Standard because its board of directors does not:

  • Review the performance of the chief executive officer at least once every two years.

Standard 6: Board Policy on Effectiveness - Have a board policy of assessing, no less than every two years, the organization's performance and effectiveness and of determining future actions required to achieve its mission.

Chinese Mutual Aid Association does not meet this Standard because:

  • The board of directors does not have a written policy stating that, at least every two years, an appraisal be done assessing the organization’s performance and effectiveness and determining future actions required to achieve its mission.
Chinese Mutual Aid Association meets the remaining 18 Standards for Charity Accountability.
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CMAA offers services in four areas: Social Services, Education and Workforce Development, Citizenship and Immigration and Youth. Social Services includes access to public benefits, senior services (Home Care Aides and Golden Age Club), community safety and health information, housing assistance and help for victims of domestic violence. Education and Workforce Development includes English as a Second Language, English Language Civics Classes, computer classes ranging from very basic to A+ computer repair certification, one-on-one English tutoring from volunteer tutors, assistance for community residents in finding a job and follow up once they have been employed. A new employment program assists persons with disabilities. Citizenship staff assists community members in resolving immigration problems and applying for citizenship. Most citizenship services are free, but some are offered on a sliding scale of fees. Classes and tutoring prepare people for the citizenship examination. An afterschool program for students in K-12 grades includes homework help, additional learning activities and exposure to various cultural events and opportunities. Chinese cultural dance is taught including the lion dance, ribbon dance and fan dance. Summer day camp provides a safe place for kids with daily learning activities as well as art and recreation. A vibrant mentoring program, Young Women Warriors (YWW), is focused on developing relationships between teens from 11-18 and a dedicated corps of adult women volunteers from the community. A similar program for young men, Boys Breaking Barriers (Triple B) is being revived. A Family Literacy Club is for parents and children learning together.

For the fiscal year ended June 30, 2011, Chinese Mutual Aid Association's program expenses were:

Program Service Expenses 3,830,250
Total Program Expenses: $3,830,250
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Chief Executive : Benjamin Rucker, Interim Executive Director

Chair of the Board: Dr. Lisa Abrams
Chair's Profession / Business Affiliation: Physician, Evanston Northwestern Healthcare

Board Size: 12

Paid Staff Size: 40

*Compensation includes annual salary and, if applicable, benefit plans, expense accounts, and other allowances.
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Fund Raising


Method(s) Used:

direct mail, invitations to fund raising events, print advertisements, grant proposals, internet
Fund raising costs were % of related contributions. (Related contributions, which totaled $1,565,857, are donations received as a result of fund raising activities.)
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Tax Status


This organization is tax-exempt under section 501(c)(3) of the Internal Revenue Code. It is eligible to receive contributions deductible as charitable donations for federal income tax purposes.
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The following information is based on Chinese Mutual Aid Association's audited financial statements for the fiscal year ended June 30, 2011.

Source of Funds  
Contract Fees and awards 2,474,803
Contributions and grants 1,406,757
United Way Grants 132,420
Program Service Fees 67,935
Management Fee 47,653
Fund-raising events 26,680
Other 5,823
Interest 1,170
Total Income $4,163,241


Uses of Funds as a % of Total Expenses

Programs: 95%  Fund Raising: Less than 1%  Administrative: 3%  Other Expenses: 2%

Total income $4,163,241
Program expenses $3,830,250
Fund raising expenses 7,386
Administrative expenses 113,367
Other Expenses 90,478
Total expenses $4,041,481
Income in Excess of Expenses 121,760
Beginning net assets 692,466
Ending net assets 814,226
Total liabilities 1,629,886
Total assets $2,444,112

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An organization may change its practices at any time without notice. A copy of this report has been shared with the organization prior to publication. It is not intended to recommend or deprecate, and is furnished solely to assist you in exercising your own judgment. If the report is about a charity and states the charity meets or does not meet the BBB Standards for Charity Accountability, it reflects the results of an evaluation of information and materials provided voluntarily by the charity. The name Better Business Bureau is a registered service mark of the Council of Better Business Bureaus, Inc.

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