Living Stream (dba Living Stream Ministry) (EIN 237031637) - 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

1965

Legal Domicile

Principal Officer

Curtis Kennard

Phone

7142366001

Tax Period

2024-01-01 to 2024-12-31

Living Stream (dba Living Stream Ministry), founded in 1965, is a mid-sized nonprofit in the Religion sector that reported $20.1M in total revenue in fiscal year 2024. Expenses of $17.7M left a modest 12% surplus.

Mission

CONDUCTS CHRISTIAN MINISTRY THROUGH RADIO BROADCASTING, PUBLICATIONS, TRAININGS AND CONFERENCES.

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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 $3,808,799

Program Service Revenue $7,517,831

Investment Income $1,230,721

Other Revenue $7,555,875

TOTAL REVENUE $20,113,226

Expense Breakdown

Grants Paid $1,175,862

Salaries & Benefits $8,157,856

Fundraising Expenses $0

Program Expenses $14,189,548

Other Expenses $8,323,461

TOTAL EXPENSES $17,657,179

Year-over-Year Comparison

	2024	2023	Change
Revenue	$20,113,226	$21,064,029	0.0%
Expenses	$17,657,179	$16,896,063	+0.0%
Net Income	$2,456,047	$4,167,966	-0.4%

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

139

Volunteers

1490

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

$405,872

Total Directors

$980,908

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Martin Fuller	Research Writer	40.0	Highest	$119,417	$33,829	$153,246
Tony H Espinosa	Research Writer	40.0	Highest	$116,935	$33,829	$150,764
Andrew Delos Reyes	IT Infrastructure Engineer	50.0	Highest	$121,021	$18,885	$139,906
Titus Boswell	Asst. Facilities Manager	40.0	Highest	$116,453	$18,885	$135,338
Ilerioluw Oladele	Director	45.0	Director	$121,149	$12,590	$133,739
Ron Kangas	Director	40.0	Director	$126,149	$0	$126,149
Ed Marks	Director	40.0	Director	$124,593	$0	$124,593
Hector Felix	Computer Programmer	40.0	Highest	$112,966	$11,331	$124,297
Curtis Kennard	VICE PRESIDENT & Treasurer	40.0	Officer Director	$100,765	$0	$100,765
Samuel Lee	ASSISTANT TREASURER	53.0	Officer Director	$76,277	$18,885	$95,162
Dennis Higashi	Director	40.0	Director	$90,531	$0	$90,531
Kerry Robichaux	ASSISTANT SECRETARY	40.0	Officer Director	$88,430	$0	$88,430
Yorke Warden	Secretary	40.0	Officer Director	$72,107	$0	$72,107
Raymond Graver	PRESIDENT	30.0	Officer Director	$49,408	$0	$49,408
George Danker	Director	12.0	Director	$35,830	$0	$35,830
David Koo	Director	25.0	Director	$32,868	$0	$32,868
Bryan Karr	Director	15.0	Director	$25,470	$0	$25,470
Joe Davis	Director	1.0	Director	$5,856	$0	$5,856
James Lee	Director	1.0	Director	$0	$0	$0
Rick Scatterday	Director	5.0	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
2024	$20,113,226	$17,657,179	$116,246,513	$2,456,047
2023	$21,064,029	$16,896,063	$114,426,240	$4,167,966
2022	$16,538,754	$16,647,475	$110,092,848	$-108,721
2021	$20,926,950	$13,159,347	$110,298,756	$7,767,603
2020	$11,706,803	$12,629,141	$102,112,474	$-922,338
2019	$16,303,736	$13,861,479	$103,486,934	$2,442,257
2018	$21,476,127	$16,558,678	$100,710,610	$4,917,449

Living Stream (dba Living Stream Ministry)