PSALM 13 MINISTRIES

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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

JEFF GRAHAM

Phone

8063526611

Tax Period

2025-01-01 to 2025-12-31

PSALM 13 MINISTRIES, founded in 2003, is a small nonprofit in the Religion sector that reported $174K in total revenue in fiscal year 2025. Revenue fell 26% from the prior year — a significant decline worth monitoring. Expenses of $210K exceeded revenue, resulting in a 21% operating deficit.

Mission

PSALM 3:1 MINISTRY WILL: RECEIVE AND MAINTAIN A FUND OR FUNDS OF REAL OR PERSONAL PROPERTY, OR BOTH, AND, SUBJECT TO THE RESTRICTIONS AND LIMITATIONS HEREINAFTER SET FORTH, TO USE AND APPLY THE WHOLE OR ANY PART OF THE INCOME THEREFROM AND THE PRINCIPAL THEREOF EXCLUSIVELY FOR CHARITABLE, RELIGIOUS, AND/OR EDUCATIONAL PURPOSES EITHER DIRECTLY OR BY CONTRIBUTIONS TO ORGANIZATIONS THAT QUALIFY AS EXEMPT ORGANIZATIONS UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE AND ITS REGULATIONS AS THEY NOW EXIST OR AS THEY MAY HEREAFTER BE AMENDED. SPECIFICALLY, WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, THE PURPOSE OF THE CORPORATION IS TO PREACH THE GOSPEL OF JESUS CHRIST TO EVANGELIZE SPANISH-SPEAKING PEOPLES IN THE NATION OF MEXICO AND OTHER NATIONS WHEREIN THE PRIMARY LANGUAGE IS SPANISH, AND TO MINISTER TO THE PHYSICAL AND SPIRITUAL NEEDS OF THE PEOPLE IN THOSE NATIONS ACCORDING TO THE GOSPEL OF JESUS CHRIST AND TO OBTAIN AND HOLD FUNDS, PROPERTIES AND RESOURCES FOR SUCH PURPOSES;

Program Service Accomplishments

Program 1

Expenses: $121,247

SUPPORTING AN ORPHANAGE LOCATED IN MEXICO THAT OPENED IN 2011 WHICH SUPPORTS APPROXIMATELY 20 CHILDREN.

Program 2

Expenses: $34,187

THERE ARE 20 CHILDREN CURRENTLY LIVING IN THE RESCUE A CHILD CHILDREN'S HOME. WE TOOK NUMEROUS WORKING/BUSINESS TRIPS THROUGHOUT THE YEAR. WE CONTINUED TO PROVIDE FOOD, CLOTHES, SCHOOLING, AND SCHOOL SUPPLIES FOR ALL OF OUR CHILDREN. WE PROVIDED MEDICAL AND DENTAL TO ALL OF OUR CHILDREN. AS WE BEGIN ANOTHER YEAR OF MEMBERSHIP, THERE HAVE BEEN 85 CHURCHES WHO HAVE JOINED OUR HARVEST ASSOICATION OF CHURCHES, WITH AN IMPACT NUMBER AROUND 9,240 PEOPLE. WE CONTINUE CURRICULUM BUILDING FOR THE MELEAH SCHOOL OF MINISTRY WHERE WE HOSTED 3 SCHOOL SESSIONS. WE HOSTED 1 HARVEST ASSOICATION PASTOR CONFERENCE. THERE WERE HUNDREDS OF SALVATIONS FROM OUR ASSOCIATION OF CHURCHES LOCATIONS. WE PROVIDED FOOD, MEDICINE, FIREWOOD, AND CLOTHING FOR TARAHUMARA FAMILIES IN THE SIERRA MADRE MOUNTAINS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $164,769

Program Service Revenue $0

Investment Income $8,786

Other Revenue $0

TOTAL REVENUE $173,555

Expense Breakdown

Grants Paid $0

Salaries & Benefits $48,000

Fundraising Expenses $8,823

Program Expenses $155,434

Other Expenses $162,382

TOTAL EXPENSES $210,382

Year-over-Year Comparison

	2025	2024	Change
Revenue	$173,555	$233,154	-0.3%
Expenses	$210,382	$233,535	-0.1%
Net Income	$-36,827	$-381	+95.7%

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

N/A

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

$48,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFF GRAHAM	PRESIDENT	40.00	Officer	$48,000	$0	$48,000
C EDWARD SAUER DDS	DIRECTOR	2.00	Director	$0	$0	$0
HALEE DESIMONE	DIRECTOR	1.00	Director	$0	$0	$0
JIM DOUTHITT DDS MS	DIRECTOR	2.00	Director	$0	$0	$0
PATTY GRAHAM	VP/TREASURER	5.00	Officer	$0	$0	$0
DENISE SMITH	SECRETARY	2.00	Officer	$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	$173,555	$210,382	$266,038	$-36,827
2024	$233,154	$233,535	$265,317	$-381
2023	$235,740	$263,613	$263,021	$-27,873
2022	$288,285	$245,923	$302,329	$42,362
2021	$302,437	$253,018	$272,680	$49,419
2020	$236,831	$246,369	$230,535	$-9,538
2019	$314,473	$275,664	$240,390	$38,809
2018	$321,073	$260,188	$169,719	$60,885