Urban Family Ministries (EIN 043739179) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2003

Legal Domicile

Principal Officer

Deborah McCreary

Phone

6163659009

Tax Period

2024-07-01 to 2025-06-30

Urban Family Ministries, founded in 2003, is a small nonprofit in the Human Services sector that reported $275K in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum.

Mission

Urban Family Ministries exists to strengthen families and change lives by sharing the Gospel of Jesus Christ within the urban core of Grand Rapids through relational, spiritual and economic empowerment.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $272,671

Program Service Revenue $534

Investment Income $1,182

Other Revenue $750

TOTAL REVENUE $275,137

Expense Breakdown

Grants Paid $0

Salaries & Benefits $126,084

Fundraising Expenses $25,202

Program Expenses $221,113

Other Expenses $155,395

TOTAL EXPENSES $281,479

Year-over-Year Comparison

	2024	2023	Change
Revenue	$275,137	$226,248	+0.2%
Expenses	$281,479	$241,147	+0.2%
Net Income	$-6,342	$-14,899	-0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

100

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$32,205

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Deborah McCreary	Executive Director	20.00	Officer	$32,205	$0	$32,205
Dan Rinzema	SecretaryTreasurer	3.00	Officer Director	$0	$0	$0
Barb Thomas	Board Member	3.00	Officer Director	$0	$0	$0
Danielle Eerdmans	President	15.00	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$275,137	$281,479	$452,246	$-6,342
2024	$226,248	$241,147	$475,871	$-14,899
2023	$285,738	$337,518	$491,558	$-51,780
2022	$360,669	$354,542	$555,533	$6,127
2021	$248,953	$307,446	$590,597	$-58,493
2020	$330,558	$289,990	$635,458	$40,568
2019	$256,463	$256,119	$590,023	$344

Urban Family Ministries