ANCHOR-CROSS 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

Finny Kuruvilla

Phone

6172764912

Tax Period

2021-01-01 to 2021-12-31

ANCHOR-CROSS MINISTRIES, founded in 2003, is a micro nonprofit that reported $6K in total revenue in fiscal year 2021. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2K, a strong 43% operating margin.

Mission

To promote the advancement of Christian religion through a variety of means including books, other printed literature, audio-visual material, the internet, lectures, meetings, conferences, retreats, and promotion and furtherance of Christian higher education.

Program Service Accomplishments

Program 1

Expenses: $2,072 Revenue: $2,072

The Organization donates publishing rights to its books to Scroll Publishing annually

Program 2

Expenses: $0 Revenue: $3,434

Although no new titles were published in 2021, sales of existing titles continued on par with prior years.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $5,506

Investment Income $0

Other Revenue $0

TOTAL REVENUE $5,506

Expense Breakdown

Grants Paid $2,072

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,072

Other Expenses $1,063

TOTAL EXPENSES $3,135

Year-over-Year Comparison

	2021	2020	Change
Revenue	$5,506	$4,537	+0.2%
Expenses	$3,135	$3,730	-0.2%
Net Income	$2,371	$807	+1.9%

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

N/A

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
Finny Kuruvilla	President and Director	3	Officer Director	$0	$0	$0
Jeremy Horning	Treasurer and Director	0.25	Officer Director	$0	$0	$0
Paul Lamicela	Secretary and Director	0.25	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
2021	$5,506	$3,135	$841,290	$2,371
2020	$4,537	$3,730	$838,919	$807
2019	$4,400	$4,204	$838,112	$196
2018	$3,730	$107,693	$852,748	$-103,963