Z Ministries Inc

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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

2008

Legal Domicile

Principal Officer

James S Hoge

Phone

4078698000

Tax Period

2024-01-01 to 2024-12-31

Z Ministries Inc, founded in 2008, is a community nonprofit in the Religion sector that reported $6.9M in total revenue in fiscal year 2024.

Mission

Operation of listener-supported, non-commercial Christian radio stations that make Central Florida a better place to live by providing a spiritual anchor, news, weather, and emergency information to keep families informed, safe, and encouraged.

Program Service Accomplishments

Program 1

Expenses: $6,104,521 Revenue: $399,798

The Organization operates listener-supported, non-commercial Christian radio stations on the following Federal Communications Commission (FCC) licensed or permitted facilities: WPOZ, WMYZ, WHYZ...

The Organization operates listener-supported, non-commercial Christian radio stations on the following Federal Communications Commission (FCC) licensed or permitted facilities: WPOZ, WMYZ, WHYZ, WCYZ, WHGV, and WDOZ plus twelve translator stations throughout the Central Florida region. The radio stations provide continuous broadcasting to Orlando, Florida and surrounding areas. The stations currently broadcast into twelve Florida counties and via the internet reaching a potential estimated 4.5 million U.S. listeners per week. The formats are Christian lifestyle music stations.

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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 $6,242,812

Program Service Revenue $399,798

Investment Income $0

Other Revenue $254,892

TOTAL REVENUE $6,897,502

Expense Breakdown

Grants Paid $325,539

Salaries & Benefits $3,247,049

Fundraising Expenses $151,125

Program Expenses $6,104,521

Other Expenses $3,780,617

TOTAL EXPENSES $7,353,205

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,897,502	$7,054,154	0.0%
Expenses	$7,353,205	$7,045,616	+0.0%
Net Income	$-455,703	$8,538	-54.4%

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

$695,454

Total Directors

$353,813

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
James S Hoge	President/Director	40.00	Officer Director	$215,218	$46,702	$261,920
Judy Stephan	Treasurer/Director	40.00	Officer Director	$72,751	$19,142	$91,893
Stuart Kinniburgh	Director	0.20	Director	$0	$0	$0
Judy Wise	Director	0.10	Director	$0	$0	$0
Timothy DeTellis	Director	0.20	Director	$0	$0	$0
Dean Chapman	VP/General Manager	40.00	Officer	$208,548	$23,876	$232,424
Cathy Ligato	APD/Secretary	40.00	Officer	$89,602	$19,615	$109,217
Stacy Pevehouse-Blevins	Air Staff	40.00	Highest	$114,547	$30,969	$145,516
Ellis Feaster	Air Staff	40.00	Highest	$123,109	$20,432	$143,541
David Palmeira	Director of Engineering	40.00	Highest	$131,988	$30,317	$162,305
Brian Kerkan	Engineer	40.00	Highest	$122,288	$46,732	$169,020
Ray Hill	Software Engineer	40.00	Highest	$125,400	$24,281	$149,681

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	$6,897,502	$7,353,205	$5,447,965	$-455,703
2023	$7,054,154	$7,045,616	$5,694,604	$8,538
2022	$6,667,592	$6,684,681	$4,929,323	$-17,089
2021	$6,461,540	$6,283,147	$2,890,886	$178,393
2020	$6,265,341	$7,130,187	$2,751,007	$-864,846
2019	$6,127,074	$5,490,698	$3,541,680	$636,376
2018	$5,868,819	$5,381,810	$2,927,062	$487,009