BANNER OF FAITH MINISTRIES INC (EIN 204261504) - 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

2006

Legal Domicile

Phone

9563583147

Tax Period

2025-01-01 to 2025-12-31

BANNER OF FAITH MINISTRIES INC, founded in 2006, is a small nonprofit in the Education sector that reported $295K in total revenue in fiscal year 2025. Revenue fell 35% from the prior year — a significant decline worth monitoring. Expenses of $387K exceeded revenue, resulting in a 31% operating deficit.

Mission

OUR PRIMARY PURPOSE IS TO SUPPORT A SCHOOL, A BIBLE INSTITUTE, A SUMMER CAMP, BEGIN CHURCHES AND BIBLE STUDIES AND TO CONTINUE OPERATING EXISTING CHURCHES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $294,874

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $294,874

Expense Breakdown

Grants Paid $185,029

Salaries & Benefits $24,000

Fundraising Expenses $0

Program Expenses $387,446

Other Expenses $178,417

TOTAL EXPENSES $387,446

Year-over-Year Comparison

	2025	2024	Change
Revenue	$294,874	$453,467	-0.3%
Expenses	$387,446	$479,266	-0.2%
Net Income	$-92,572	$-25,799	+2.6%

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

$24,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALBERT R SHIELDS	President	40.00	Officer	$24,000	$0	$24,000
ROBIN B SHIELDS	Secretary	2.00	Officer	$0	$0	$0
RAYMOND LOZANO	Treasurer	2.00	Officer	$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	$294,874	$387,446	$188,554	$-92,572
2024	$453,467	$479,266	$280,165	$-25,799
2023	$564,896	$369,982	$305,964	$194,914
2022	$286,010	$268,370	$111,050	$17,640
2021	$299,574	$323,043	$93,410	$-23,469
2020	$339,644	$328,165	$116,879	$11,479
2019	$240,542	$227,979	$105,400	$12,563
2018	$245,764	$249,766	$92,837	$-4,002

BANNER OF FAITH MINISTRIES INC