CROSS TRAINING FOOTBALL INC (EIN 262717447) - 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

2004

Legal Domicile

Principal Officer

MICHAEL MASTERS

Phone

7164325152

Tax Period

2024-01-01 to 2024-12-31

CROSS TRAINING FOOTBALL INC, founded in 2004, is a small nonprofit in the Recreation & Sports sector that reported $287K in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $258K left a modest 10% surplus.

Mission

TO SPIRITUALLY IMPACT THE HEARTS AND LIVES OF ATHLETES AND COACHES.

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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 $131,627

Program Service Revenue $155,452

Investment Income $45

Other Revenue $0

TOTAL REVENUE $287,124

Expense Breakdown

Grants Paid $0

Salaries & Benefits $141,097

Fundraising Expenses $0

Program Expenses $239,017

Other Expenses $116,438

TOTAL EXPENSES $257,535

Year-over-Year Comparison

	2024	2023	Change
Revenue	$287,124	$243,409	+0.2%
Expenses	$257,535	$264,412	0.0%
Net Income	$29,589	$-21,003	-2.4%

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

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

$101,196

Total Directors

Key Employees

$90,910

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL MASTERS	PRESIDENT	50.00	Officer Key Emp	$90,910	$0	$90,910
SHARON MASTERS	TREASURER	15.00	Officer	$10,286	$0	$10,286
TERRY KUNICK	MEMBER	1.00	Director	$0	$0	$0
DARREN GOLD	MEMBER	1.00	Director	$0	$0	$0
BRUCE RADKA	MEMBER	1.00	Director	$0	$0	$0
GEORGE BATTERSON	MEMBER	1.00	Director	$0	$0	$0
CRAIG CIRBUS	MEMBER	1.00	Director	$0	$0	$0
THOMAS CARLSEN	VICE PRESIDENT	1.00	Officer	$0	$0	$0
DAVID STEPIEN	SECRETARY	1.00	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	No data	No data	No data	No data
2024	$287,124	$257,535	$141,485	$29,589
2023	$243,409	$264,412	$111,280	$-21,003
2022	$307,017	$287,510	$130,969	$19,507
2021	$309,779	$245,559	$113,799	$64,220
2020	$218,015	$274,590	$74,243	$-56,575
2019	$267,240	$255,432	$105,421	$11,808
2018	$239,194	$250,726	$97,059	$-11,532

CROSS TRAINING FOOTBALL INC