EVANGELICAL CHRISTIAN CHURCH OF WATERBURY (EIN 222533103) - 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

1992

Legal Domicile

Principal Officer

MARIA PENNELLA

Phone

2037561293

Tax Period

2025-01-01 to 2025-12-31

EVANGELICAL CHRISTIAN CHURCH OF WATERBURY, founded in 1992, is a small nonprofit that reported $221K in total revenue in fiscal year 2025. Revenue decreased 13% compared to the prior year. Net assets of $978K represent 53 months of operating reserves.

Mission

RELIGIOUS SERVICES & EDUCATION

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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 $223,677

Program Service Revenue $0

Investment Income $4,460

Other Revenue $-6,833

TOTAL REVENUE $221,304

Expense Breakdown

Grants Paid $25,123

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $193,010

Other Expenses $215,966

TOTAL EXPENSES $241,089

Year-over-Year Comparison

	2025	2024	Change
Revenue	$221,304	$252,919	-0.1%
Expenses	$241,089	$228,753	+0.1%
Net Income	$-19,785	$24,166	-1.8%

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

$87,940

Total Directors

$87,940

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL HEIDT	DIRECTOR/PART TIME	40.00	Officer Director	$87,940	$0	$87,940
MARIA PENNELLA	TREASURER/PART TIME	2.00	Officer Director	$0	$0	$0
GUISEPPINA RINALDI	SECRETARY/PART TIME	2.00	Officer Director	$0	$0	$0
VINCENT SALERNO	TRUSTEE	1.00	Director	$0	$0	$0
JOHN PENNELLA	TRUSTEE	1.00	Director	$0	$0	$0
ANNE MARIE GAMBUCCI	SECRETARY	1.00	Officer	$0	$0	$0
CARL DAGGETT	TRUSTEE	1.00	Director	$0	$0	$0
ROBERT VAZQUEZ	TRUSTEE	1.00	Director	$0	$0	$0
VITO BARBAGALLO	TRUSTEE	1.00	Director	$0	$0	$0
GUY CAPUANO	TRUSTEE	1.00	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	$221,304	$241,089	$1,069,672	$-19,785
2024	$252,919	$228,753	$1,130,946	$24,166
2023	$256,512	$251,017	$1,147,044	$5,495
2022	$240,202	$257,621	$1,210,882	$-17,419
2021	$271,303	$252,324	$1,281,419	$18,979
2020	$305,713	$250,632	$1,315,541	$55,081

EVANGELICAL CHRISTIAN CHURCH OF WATERBURY