CALVARY BIBLE INSTITUTE INC (EIN 141978848) - 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

2007

Legal Domicile

Principal Officer

NOVIA DAVIS

Phone

2029713550

Tax Period

2024-08-01 to 2025-07-31

CALVARY BIBLE INSTITUTE INC, founded in 2007, is a small nonprofit in the Religion sector that reported $318K in total revenue in fiscal year 2024.

Mission

TO PROVIDE HIGHER EDUCATION FROM A BIBLICAL WORLDVIEW TO EQUIP STUDENTS FOR LIFE, LEADERSHIP, AND SERVICE IN THE CHURCH, THE COMMUNITY AND THE WORLD.

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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 $302,141

Program Service Revenue $15,401

Investment Income $0

Other Revenue $0

TOTAL REVENUE $317,542

Expense Breakdown

Grants Paid $0

Salaries & Benefits $199,399

Fundraising Expenses $0

Program Expenses $331,012

Other Expenses $131,613

TOTAL EXPENSES $331,012

Year-over-Year Comparison

	2024	2023	Change
Revenue	$317,542	$328,950	0.0%
Expenses	$331,012	$327,476	+0.0%
Net Income	$-13,470	$1,474	-10.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN P MCNAIR	DIRECTOR	70		$71,526	$0	$71,526
BISHOP ALFRED A OWNES	CHANCELLOR	5	Officer	$0	$0	$0
DR SUSIE C OWENS	VICE CHANCELLOR	5	Officer	$0	$0	$0
NOVIA DAVIS	TREASURER	5	Officer	$0	$0	$0
JEAN MATHIS	SECRETARY	5	Officer	$0	$0	$0
CHERESE Y CARTER	TRUSTEE	5	Director	$0	$0	$0
EARL MURRAY III	TRUSTEE	5	Director	$0	$0	$0
ANGELA MINOR	TRUSTEE	5	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	$317,542	$331,012	$2,962	$-13,470
2024	$328,950	$327,476	$6,570	$1,474
2023	$117,664	$96,097	$1,296	$21,567
2023	$276,362	$273,124	$1,296	$3,238
2022	$268,670	$271,102	No data	$-2,432
2021	$280,330	$279,074	$3,057	$1,256
2020	$263,601	$264,148	$1,651	$-547
2019	$274,023	$272,500	$1,523	$1,523

CALVARY BIBLE INSTITUTE INC