CHURCH OF BIBLE UNDERSTANDING (EIN 237184229) - 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

1974

Legal Domicile

Principal Officer

CHARLES MEANS

Phone

8002232360

Tax Period

2024-01-01 to 2024-12-31

CHURCH OF BIBLE UNDERSTANDING, founded in 1974, is a community nonprofit that reported $3.0M in total revenue in fiscal year 2024. Revenue surged 36% from the prior year, signaling strong growth momentum. The organization ran a surplus of $584K, a strong 19% operating margin.

Mission

We are a Christian fellowship, united by our mutual faith and hope in Christ. Our aim is to spread the Gospel to all, and to find others who are of the same mind and hope. We also understand it to be Gods will to remember the poor. (Jms 1:27; Gal 2:10).

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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 $1,399,286

Program Service Revenue $652,509

Investment Income $646,932

Other Revenue $348,588

TOTAL REVENUE $3,047,315

Expense Breakdown

Grants Paid $832,182

Salaries & Benefits $55,220

Fundraising Expenses $0

Program Expenses $1,932,568

Other Expenses $1,575,717

TOTAL EXPENSES $2,463,119

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,047,315	$2,241,747	+0.4%
Expenses	$2,463,119	$2,529,159	0.0%
Net Income	$584,196	$-287,412	-3.0%

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

$110,149

Total Directors

$231,283

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES DIGIACOMA	BOARD MEMBER	5.00	Director	$0	$2,774	$44,774
GINA ZILIOLI	Treasurer	10.00	Officer Director	$10,000	$0	$40,960
TIMOTHY MCANDREWS	BOARD MEMBER	5.00	Director	$0	$0	$33,280
ANDREW PEREIRA	Vice President	5.00	Officer Director	$0	$0	$28,800
SARA WEISS	BOARD MEMBER	5.00	Director	$0	$0	$23,640
CHARLES MEANS	President	10.00	Officer Director	$0	$0	$20,800
TARAH MCANDREWS	Secretary	20.00	Officer Director	$15,000	$4,589	$19,589
BARBARA MACRAE	BOARD MEMBER	20.00	Director	$0	$0	$19,440
GERALD FAIR	Board Member	5.00	Director	$0	$0	$0
PATRICIA FAIR	BOARD MEMBER	5.00	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	$3,047,315	$2,463,119	$16,475,565	$584,196
2023	$2,241,747	$2,529,159	$16,754,679	$-287,412
2022	$1,919,618	$2,344,337	$16,453,399	$-424,719
2021	$1,853,303	$2,069,549	$15,318,858	$-216,246
2020	$1,769,760	$2,295,951	$14,969,053	$-526,191
2019	$1,984,364	$2,257,379	$16,869,001	$-273,015
2018	$2,066,474	$3,485,326	$17,673,234	$-1,418,852

CHURCH OF BIBLE UNDERSTANDING