Overcoming Love Ministries Inc (EIN 112774575) - 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

1985

Legal Domicile

Principal Officer

Rafael Marte

Phone

3472402177

Tax Period

2025-01-01 to 2025-12-31

Overcoming Love Ministries Inc, founded in 1985, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $2.8M exceeded revenue, resulting in a 25% operating deficit.

Mission

The organizational mission is to provide services, programs, and support that will meet the mental, emotional, physical, and spiritual needs of anyone in need of or desiring assistance. Our organization believes that a holistic approach to man's needs creates a more stable human being and thus the ability to function at a higher level.

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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 $1,979,535

Program Service Revenue $0

Investment Income $0

Other Revenue $230,100

TOTAL REVENUE $2,209,635

Expense Breakdown

Grants Paid $0

Salaries & Benefits $911,629

Fundraising Expenses $0

Program Expenses $2,470,497

Other Expenses $1,850,491

TOTAL EXPENSES $2,762,120

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,209,635	$1,931,442	+0.1%
Expenses	$2,762,120	$2,436,879	+0.1%
Net Income	$-552,485	$-505,437	+0.1%

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

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

$140,830

Total Directors

$140,830

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rafael Marte	Director	60.00	Officer Director	$140,830	$0	$140,830
Beatriz Rivera	Trustee	1.00	Director	$0	$0	$0
Matilde Garcia	Trustee	1.00	Director	$0	$0	$0
Katherine Moreno	Secretary	1.00	Director	$0	$0	$0
Alejandra Tango	Treasurer	1.00	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	$2,209,635	$2,762,120	$1,681,112	$-552,485
2024	$1,931,442	$2,436,879	$2,199,105	$-505,437
2023	$2,021,251	$2,460,081	$2,678,618	$-438,830
2022	$2,856,644	$3,090,342	$3,116,185	$-233,698
2021	$2,614,539	$3,025,469	$3,350,912	$-410,930
2020	$2,771,391	$3,064,623	$3,799,374	$-293,232

Overcoming Love Ministries Inc