INSTE GLOBAL BIBLE COLLEGE

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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

2004

Legal Domicile

Principal Officer

REV VINCE MCCARTY

Phone

5152899200

Tax Period

2018-07-01 to 2019-06-30

INSTE GLOBAL BIBLE COLLEGE, founded in 2004, is a small nonprofit in the Religion sector that reported $323K in total revenue in fiscal year 2018. Expenses of $390K exceeded revenue, resulting in a 21% operating deficit.

Mission

TRAIN AND EDUCATE THE WHOLE PEOPLE OF GOD FOR THE FULLFILLMENT OF THE GREAT COMMISSION THROUGH EXCELLENT AND AFFORDABLE DISTANCE EDUCATION. STIMULATE THE GROWTH OF SPIRITUAL STEM CELLS THAT BECOME THE MATURE DISCIPLES AND BIBLE-CENTERED LEADERS THAT HELP CHURCHES AND MINISTRIES FULFILL THEIR UNIQUE CALLINGS.

Program Service Accomplishments

Program 1

Expenses: $306,648

THE ORGANIZATION PROVIDES LAY TRAINING THROUGH SMALL-GROUP RELATIONSHIP LEARNING TO INDIVIDUALS WITH THE PURPOSE OF RECEIVING CERTIFICATES IN THE CHRISTIAN MINISTRY; AS WELL AS PROVIDES TRAINING TO FACILITATORS WHO COORDINATE LAY TRAINING AT THE LOCAL CHURCH LEVEL. THE ORGANIZATION ALSO PROVIDES TRAINING TO INDIVIDUALS IN LEADERSHIP DEVELOPMENT COURSES WITH THE INTENTION OF RECEIVING A DIPLOMA IN CHRISTIAN LEADERSHIP/MINISTRY. SINCE 1992, OVER 21,000 STUDENTS HAVE ENROLLED IN THE UNITED STATES, NEARLY 8,000 CERTIFICATE GRADUATES SERVE IN LOCAL CHURCHES, AND OVER 500 DIPLOMA AND DEGREE GRADUATES SERVE AS PASTORS AND MISSIONARIES THROUGHOUT 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 (2018)

Revenue Breakdown

Contributions & Grants $140,866

Program Service Revenue $177,725

Investment Income $1,635

Other Revenue $2,851

TOTAL REVENUE $323,077

Expense Breakdown

Grants Paid $0

Salaries & Benefits $254,898

Fundraising Expenses $0

Program Expenses $306,648

Other Expenses $135,471

TOTAL EXPENSES $390,369

Year-over-Year Comparison

	2018	2017	Change
Revenue	$323,077	$305,832	+0.1%
Expenses	$390,369	$450,514	-0.1%
Net Income	$-67,292	$-144,682	-0.5%

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

260

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
REV VINCE MCCARTY	Chairman	2.00	Director	$0	$0	$0
REV PAUL CANFIELD	Director	2.00	Director	$0	$0	$0
DR DONALD BRYAN	Director	2.00	Director	$0	$0	$0
REV RICKY POON	Director	2.00	Director	$0	$0	$0
REV FERMIN GARCIA	Director	2.00	Director	$0	$0	$0
KRIS BEIARD	Director	2.00	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
2019	$323,077	$390,369	$113,057	$-67,292