DAWN BIBLE STUDENTS ASSOCIATION

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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

1932

Legal Domicile

Principal Officer

Stephen Jeuck

Phone

4079516363

Tax Period

2024-10-01 to 2025-09-30

DAWN BIBLE STUDENTS ASSOCIATION, founded in 1932, is a small nonprofit in the Arts, Culture & Humanities sector that reported $191K in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $527K exceeded revenue, resulting in a 176% operating deficit.

Mission

Publish, distribute, and broadcast religious materials as noted in Part I, Line 1.

Program Service Accomplishments

Program 1

Expenses: $22,995 Revenue: $0

Produce and distribute lectures on Bible topics by audio and video recordings. Traveling lecture service on Bible topics.

Program 2

Expenses: $277,701 Revenue: $7,390

Publish, print, and distribute DAWN magazine in 8 languages, religious books, booklets, and other printed material for Bible study. Advertise material through magazines, Internet, and other media...

Publish, print, and distribute DAWN magazine in 8 languages, religious books, booklets, and other printed material for Bible study. Advertise material through magazines, Internet, and other media. Direct mail follow-up. Provide religious materials to funeral homes.

Program 3

Expenses: $101,291 Revenue: $0

Radio broadcasting of "Frank and Ernest" on stations worldwide. TV broadcasting of "The Bible Answers" on cable networks. Other radio and TV programming through private agencies.

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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 $117,735

Program Service Revenue $7,390

Investment Income $65,885

Other Revenue $0

TOTAL REVENUE $191,010

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $401,987

Other Expenses $527,261

TOTAL EXPENSES $527,261

Year-over-Year Comparison

	2024	2023	Change
Revenue	$191,010	$163,921	+0.2%
Expenses	$527,261	$531,305	0.0%
Net Income	$-336,251	$-367,384	-0.1%

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
Michael Balko	President	10	Officer Director	$0	$0	$0
Stephen Jeuck	Secretary	30	Officer Director	$0	$0	$0
Oscar Elbert	Vice President	10	Officer Director	$0	$0	$0
Peter Mora	Treasurer	8	Director	$0	$0	$0
George Balko	Trustee	3	Director	$0	$0	$0
Mark Davis	Trustee	2	Director	$0	$0	$0
Kenneth Fernets	Trustee	2	Director	$0	$0	$0
Jonathon Freer	Trustee	2	Director	$0	$0	$0
Robert Goodman	Trustee	25	Director	$0	$0	$0
Byron Keith	Trustee	3	Director	$0	$0	$0
Ernie Kuenzli	Trustee	25	Director	$0	$0	$0
Mark Nemesh	Trustee	6	Director	$0	$0	$0
Arbur Fernets	Trustee	2	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	$191,010	$527,261	$2,319,841	$-336,251
2024	$163,921	$531,305	$2,612,003	$-367,384
2023	$242,095	$475,525	$2,833,104	$-233,430
2022	$151,877	$483,928	$3,034,032	$-332,051
2021	$1,785,514	$498,177	$3,629,696	$1,287,337
2020	$184,158	$554,994	$2,269,441	$-370,836