MONTROSE BIBLE CONFERENCE ASSOCIATION (EIN 237088806) - 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

1909

Legal Domicile

Principal Officer

BILL CLINE

Phone

5702781001

Tax Period

2024-01-01 to 2024-12-31

MONTROSE BIBLE CONFERENCE ASSOCIATION, founded in 1909, is a community nonprofit in the Religion sector that reported $1.1M in total revenue in fiscal year 2024. Revenue fell 22% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $228K, a strong 22% operating margin.

Mission

PROVIDING PROGRAMS & FACILITIES FOR RELIGIOUS RETREATS AND YOUTH CAMPS.

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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 $460,007

Program Service Revenue $386,042

Investment Income $21,498

Other Revenue $194,506

TOTAL REVENUE $1,062,053

Expense Breakdown

Grants Paid $0

Salaries & Benefits $366,877

Fundraising Expenses $16,952

Program Expenses $594,881

Other Expenses $466,690

TOTAL EXPENSES $833,567

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,062,053	$1,360,676	-0.2%
Expenses	$833,567	$757,471	+0.1%
Net Income	$228,486	$603,205	-0.6%

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

Total Directors

$91,542

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL CLINE	PRESIDENT	2.00	Officer Director	$0	$0	$0
GARY RUSSELL	TREASURER	2.00	Officer Director	$0	$0	$0
MARIAN SMALL	SECRETARY	5.00	Officer Director	$0	$0	$0
DANA GOODNOUGH	DIRECTOR	2.00	Director	$0	$0	$0
DENNIS ASHLEY	DIRECTOR	2.00	Director	$0	$0	$0
GARY WATSON	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
JIM FAHRINGER	EXECUTIVE DIRECTOR	40.00	Director	$74,500	$17,042	$91,542
WILLIAM ROWE	DIRECTOR	2.00	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
2024	$1,062,053	$833,567	$2,893,340	$228,486
2023	$1,360,676	$757,471	$2,634,575	$603,205
2022	$1,020,933	$695,941	$2,059,567	$324,992
2021	$1,189,375	$508,034	$1,761,204	$681,341
2020	$496,620	$470,851	$1,131,669	$25,769
2019	$672,915	$630,061	$1,056,954	$42,854
2018	$814,190	$676,906	$1,029,245	$137,284

MONTROSE BIBLE CONFERENCE ASSOCIATION