CREATIVE MINISTRIES INC (EIN 232269420) - 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

1984

Legal Domicile

Principal Officer

FRED MCNAUGHTON

Phone

7173923690

Tax Period

2024-09-01 to 2025-08-31

CREATIVE MINISTRIES INC, founded in 1984, is a community nonprofit in the Religion sector that reported $3.0M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $2.8M left a modest 5% surplus.

Mission

CREATIVE MINISTRIES, INC. WAS ORGANIZED IN 1984 AS A NON-PROFIT CORPORATION FOR THE PURPOSE OF PROMOTING CHRISTIAN VALUES FEATURING THE BEST IN CHRISTIAN MUSIC, ART AND OTHER ACTIVITIES; AND TO ACQUIRE ONE OR MORE NONCOMMERCIAL EDUCATIONAL BROADCAST STATIONS FOR THE ADVANCEMENT OF CHRISTIAN EDUCATION AND MUSIC PROGRAMS RESPONSIVE TO THE NEEDS AND INTERESTS OF THE GENERAL PUBLIC RESIDING IN THE COMMUNITIES OF THE LICENSEE, AND THE BROADCAST STATION'S SERVICE AREA. IN DECEMBER 1990, THE ORGANIZATION ACQUIRED WJTL-FM, A RADIO STATION LICENSED BY THE FEDERAL COMMUNICATIONS COMMISSION (FCC) SERVICING THE LANCASTER, HARRISBURG, YORK, LEBANON, AND NORTHERN MARYLAND AREAS, TO OPERATE A NONCOMMERCIAL EDUCATIONAL BROADCAST STATION DEDICATED TO THE ADVANCEMENT OF CHRISTIAN EDUCATION AND MUSIC PROGRAMS.

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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 $1,169,627

Program Service Revenue $1,137,484

Investment Income $436,486

Other Revenue $217,613

TOTAL REVENUE $2,961,210

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,152,661

Fundraising Expenses $160,996

Program Expenses $2,052,914

Other Expenses $1,659,452

TOTAL EXPENSES $2,812,113

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,961,210	$2,595,098	+0.1%
Expenses	$2,812,113	$2,674,685	+0.1%
Net Income	$149,097	$-79,587	-2.9%

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

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

$168,115

Total Directors

$168,115

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FRED MCNAUGHTON	STATION MANA	40.00	Officer Director	$130,000	$38,115	$168,115
JOHN SMUCKER	CHAIRMAN	1.00	Officer Director	$0	$0	$0
TIMOTHY N LANDIS	TREASURER	1.00	Officer Director	$0	$0	$0
WENDY MILLER	SECRETARY	1.00	Officer Director	$0	$0	$0
BRIAN SMITH	DIRECTOR	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	$2,961,210	$2,812,113	$15,491,282	$149,097
2024	$2,595,098	$2,674,685	$15,169,320	$-79,587
2023	$2,785,655	$2,692,048	$15,276,021	$93,607
2022	$2,618,297	$2,111,928	$14,898,469	$506,369
2021	$2,139,964	$1,487,042	$14,491,943	$652,922
2020	$2,049,049	$1,852,590	$13,796,586	$196,459
2019	$2,301,957	$2,175,101	$13,615,768	$126,856
2018	$2,144,412	$2,230,474	$13,520,243	$-86,062

CREATIVE MINISTRIES INC