CROSSROADS MINISTRY INCORPORATED

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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

2005

Legal Domicile

Phone

8652580875

Tax Period

2024-01-01 to 2024-12-31

CROSSROADS MINISTRY INCORPORATED, founded in 2005, is a micro nonprofit in the Human Services sector that reported $94K in total revenue in fiscal year 2024. Revenue decreased 12% compared to the prior year. Expenses of $110K exceeded revenue, resulting in a 17% operating deficit.

Mission

Crossroads Mission is to provide long-term transitional supportive housing mentoring nutrition business and life-skill training to at-risk single mothers and their young children escaping abusive situations at our facility Crossroads Center of Hope.

Program Service Accomplishments

Program 1

Expenses: $89,544 Revenue: $0

Renovation: The renovation of Building 2. The interior of our first Apartment Building that will house 4 single mothers and up to 7 children is in the process of being completed. Work is taking...

Renovation: The renovation of Building 2. The interior of our first Apartment Building that will house 4 single mothers and up to 7 children is in the process of being completed. Work is taking longer than expected because of the rise in product prices during and after COVID and the needed revision of the electrical system sewer line and water system.

Program 2

Expenses: $0 Revenue: $0

Training: We are still developing the classes and workshops that will be offered to our mothers and children.

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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 $94,103

Program Service Revenue $0

Investment Income $168

Other Revenue $0

TOTAL REVENUE $94,271

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $1,459

Program Expenses $89,544

Other Expenses $110,433

TOTAL EXPENSES $110,433

Year-over-Year Comparison

	2024	2023	Change
Revenue	$94,271	$107,659	-0.1%
Expenses	$110,433	$84,323	+0.3%
Net Income	$-16,162	$23,336	-1.7%

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

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
Cora L Rhew	Interim President - Founder-Executive Director	40.00	Officer Director Key Emp	$0	$0	$0
Jean Norris	Treasurer	1.00	Officer	$0	$0	$0
Karen Kirby	Secretary	2.00	Officer	$0	$0	$0
Tammy Hannon	Board Member	0.00	Director	$0	$0	$0
Denee' Foisy	Board Member	0.00	Director	$0	$0	$0
Teresa Brown	Board Member	0.00	Director	$0	$0	$0
Charlotte Johnson	Board Member	0.00	Director	$0	$0	$0
Melissa Harris	On-site Family Support	20.00	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	No data	No data	No data	No data
2024	$94,271	$110,433	$210,895	$-16,162
2023	$107,659	$84,323	$229,847	$23,336
2022	$132,952	$106,346	$215,830	$26,606
2021	$114,527	$75,026	$198,308	$39,501
2020	$58,551	$92,246	$167,573	$-33,695