STAND AT THE CROSSROADS MINISTRIES (EIN 260249257) - 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

2007

Legal Domicile

Principal Officer

Deborah Lamb

Phone

8036179832

Tax Period

2025-01-01 to 2025-12-31

STAND AT THE CROSSROADS MINISTRIES, founded in 2007, is a small nonprofit in the Housing & Shelter sector that reported $184K in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year. The organization ran a surplus of $83K, a strong 45% operating margin.

Mission

To provide transitional housing and life skills to women and their children recovering from adverse life events to help them recover physically, financially, emotionally and spiritually.

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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 $97,039

Program Service Revenue $86,540

Investment Income $115

Other Revenue $0

TOTAL REVENUE $183,694

Expense Breakdown

Grants Paid $0

Salaries & Benefits $49,333

Fundraising Expenses $0

Program Expenses $67,366

Other Expenses $51,315

TOTAL EXPENSES $100,648

Year-over-Year Comparison

	2025	2024	Change
Revenue	$183,694	$200,324	-0.1%
Expenses	$100,648	$108,401	-0.1%
Net Income	$83,046	$91,923	-0.1%

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

$24,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Deborah Lamb	President	40	Officer	$24,000	$0	$24,000
Ken Brooks	Director	7	Director	$0	$0	$0
Roger Ward	Director	15	Director	$0	$0	$0
Diane Addis	Director	3	Director	$0	$0	$0
Bob Ferguson	Director	7	Director	$0	$0	$0
Frank Heckendorn	Vice President	7	Officer	$0	$0	$0
Linda Anderson	Treasurer-Secretary	20	Officer	$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	$183,694	$100,648	$975,807	$83,046
2024	$200,324	$108,401	$892,565	$91,923
2023	$214,681	$116,627	$802,480	$98,054
2022	$207,495	$127,795	$703,593	$79,700
2021	$204,970	$117,561	$662,307	$87,409
2020	$166,749	$107,775	$642,368	$58,974

STAND AT THE CROSSROADS MINISTRIES