RUGGED CROSS BAPTIST CHURCH

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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

1980

Legal Domicile

Principal Officer

Rev Emma Knox

Phone

7184431888

Tax Period

2024-01-01 to 2024-12-31

RUGGED CROSS BAPTIST CHURCH, founded in 1980, is a small nonprofit that reported $249K in total revenue in fiscal year 2024. Expenses of $228K left a modest 9% surplus.

Mission

The Rugged Cross Baptist Churchs objective is the salvation of men and women through the preaching of the Gospel of Jesus Christ

Program Service Accomplishments

Program 1

Expenses: $222,570

The Rugged Cross Baptist Churchs objective is the salvation of men

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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 $209,020

Program Service Revenue $0

Investment Income $40,182

Other Revenue $0

TOTAL REVENUE $249,202

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,507

Fundraising Expenses $0

Program Expenses $222,570

Other Expenses $220,378

TOTAL EXPENSES $227,885

Year-over-Year Comparison

	2024	2023	Change
Revenue	$249,202	$245,632	+0.0%
Expenses	$227,885	$231,890	0.0%
Net Income	$21,317	$13,742	+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

N/A

Employees

N/A

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

Total Directors

$19,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mary Green	Trustee	20	Director	$0	$0	$0
Emma Knox	Pastor	50	Director	$0	$0	$0
Mary Green	Trustee	20	Director	$0	$0	$0
Mary Hemphill	Trustee	20	Director	$0	$0	$0
Emma Knox	Pastor	50	Director	$19,500	$0	$19,500
Mary Green	Trustee	20	Director	$0	$0	$0
Mary Hemphill	Trustee	20	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
2024	$249,202	$227,885	$1,229,020	$21,317
2023	$245,632	$231,890	$1,210,808	$13,742
2022	$249,989	$177,806	$1,197,064	$72,183
2021	$230,846	$211,282	$1,124,830	$19,564
2020	$186,356	$180,560	$1,105,514	$5,796
2019	$197,263	$209,262	$1,074,666	$-11,999