STEPPING FORWARD 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

2006

Legal Domicile

Principal Officer

LINDA STEVENS

Phone

5037089553

Tax Period

2025-01-01 to 2025-12-31

STEPPING FORWARD MINISTRIES, founded in 2006, is a small nonprofit in the International Affairs sector that reported $288K in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. Expenses of $400K exceeded revenue, resulting in a 39% operating deficit.

Mission

TO SUPPORT INSTITUTIONALIZED CHILDREN WHO LIVE IN THE CARE OF THE ROMANIAN GOVERNMENT IN ORPHANAGES IN BUCHAREST, ROMANIA.

Program Service Accomplishments

Program 1

Expenses: $397,439 Revenue: $287,790

SUPPORT OF INSTITUTIONALIZED CHILDREN WHO LIVE IN THE CARE OF THE ROMANIAN GOVERNMENT THAT RUN ORPHANAGES IN BUCHAREST ROMANIA. FUNDS ARE RAISED FOR THE SUPPORT OF THESE CHILDREN ON A DAY TO DAY...

SUPPORT OF INSTITUTIONALIZED CHILDREN WHO LIVE IN THE CARE OF THE ROMANIAN GOVERNMENT THAT RUN ORPHANAGES IN BUCHAREST ROMANIA. FUNDS ARE RAISED FOR THE SUPPORT OF THESE CHILDREN ON A DAY TO DAY BASIS; WE SEND VOLUNTEER TEAMS TO HELP THE CHILDREN AND ARE BUILDING A SUMMER CAMP "CAMP LIVING WATER" OUTSIDE OF BUCHAREST. FUNDS ARE ALSO BE USED TO SUPPORT THE STAFF WORKING WITH THE CAMP, LIVING IN ROMANIA.

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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 $287,790

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $287,790

Expense Breakdown

Grants Paid $397,439

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $397,439

Other Expenses $2,501

TOTAL EXPENSES $399,940

Year-over-Year Comparison

	2025	2024	Change
Revenue	$287,790	$340,355	-0.2%
Expenses	$399,940	$288,492	+0.4%
Net Income	$-112,150	$51,863	-3.2%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LAURA WILSON	BOARD MEMBER	0.00	Officer Director	$0	$0	$0
SHARON BEGIN	BOARD MEMBER	0.00	Officer Director	$0	$0	$0
LINDA STEVENS	President	0.00	Officer Director	$0	$0	$0
TARA TUEPKER	TREASURER	4.00	Officer Director	$0	$0	$0
PRINDI FLUG	BOARD MEMBER	0.00	Director	$0	$0	$0
KIM THARP	BOARD MEMBER	0.00	Director	$0	$0	$0
TISH TAMEZ	RECRD SECRATARY	0.00	Director	$0	$0	$0
RENEE MATHER	BOARD MEMBER	0.00	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	$287,790	$399,940	$10,113	$-112,150
2024	$340,355	$288,492	$122,263	$51,863
2023	$399,419	$392,885	$70,400	$6,534
2022	$543,637	$501,906	$63,866	$41,731
2021	$316,636	$301,563	$22,135	$15,073