MOSAIC CHRISTIAN COMMUNITY DEVELOP… - Form 990 Financial Data

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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

2009

Legal Domicile

Principal Officer

ANDREW ROBINSON

Phone

2699323557

Tax Period

2022-06-01 to 2023-05-31

MOSAIC CHRISTIAN COMMUNITY DEVELOPMENT ASSOCIATION INC, founded in 2009, is a community nonprofit in the Human Services sector that reported $1.4M in total revenue in fiscal year 2022. Revenue surged 66% from the prior year, signaling strong growth momentum. The organization ran a surplus of $533K, a strong 37% operating margin.

Mission

THE CORPORATION IS DEDICATED TO AND OPERATING FOR CHARITABLE PURPOSES AS FOLLOWS: A) PROVIDE SERVICES TO RESIDENTS OF BENTON HARBOR, ST. JOSEPH AND SURROUNDING COMMUNITIES WITHIN A 50 MILE RADIUS; B) CREATE A SUSTAINABLE AND LIVABLE COMMUNITY IN BENTON HARBOR, MICHIGAN BY ENCOURAGING ECONOMIC DEVELOPMENT THROUGH PARTNERSHIPS WITH EXISTING ORGANIZATIONS; C) ADDRESS THE HUMAN AND SOCIAL NEEDS OF NEIGHBORHOOD RESIDENTS THROUGH PARTNERSHIPS WITH EXISTING HUMAN SERVICE PROGRAMS; AND D) PROMOTE RACIAL JUSTICE AND WORK TO HEAL RACIAL DIVISION WITHIN THE COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $137,727

JOBS FOR LIFE: THE GOAL OF THIS PROGRAM IS TO HELP EACH PARTICIPANT TO OVERCOME ANY EMPLOYMENT BARRIERS AND HELP OPEN DOORS FOR SUSTAINABLE WAGE EMPLOYMENT THROUGH THE ASSOCIATION'S NETWORK. THE...

JOBS FOR LIFE: THE GOAL OF THIS PROGRAM IS TO HELP EACH PARTICIPANT TO OVERCOME ANY EMPLOYMENT BARRIERS AND HELP OPEN DOORS FOR SUSTAINABLE WAGE EMPLOYMENT THROUGH THE ASSOCIATION'S NETWORK. THE PROGRAM IMPACTS MORE THAN 50 STUDENTS ANUALLY AND IS A 4-WEEK CLASS THAT INCLUDES THE JOB TRAINING EXPERIENCE AS PART OF THEIR CURRICULUM.

Program 2

Expenses: $338,260 Revenue: $484,383

MOSAIC RESALE SHOP: A THRIFT STORE THAT PROVIDES RETAIL TRAINING AND JOB EXPERIENCES, WHILE PROVIDING AFFORDABLE NECESSITIES.

Program 3

Expenses: $87,106 Revenue: $99,000

COURT REFERRAL IS A PROGRAM THAT PROVIDES ADMINISTRATIVE AND PAYROLL SUPPORT TO THE BERRIEN COUNTY COURT REFERRAL TEAM, WHO IS REPONSIBLE FOR COORDINATING, SCHEDULING, AND PLACEMENT OF CRIMINAL AND JUVENILE OFFENDERS WHO ARE SENTENCED BY THE COURT TO PERFORM UNPAID VOLUNTEER COMMUNITY SERVICE.

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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 (2022)

Revenue Breakdown

Contributions & Grants $777,955

Program Service Revenue $624,583

Investment Income $3,917

Other Revenue $34,767

TOTAL REVENUE $1,441,222

Expense Breakdown

Grants Paid $0

Salaries & Benefits $635,611

Fundraising Expenses $0

Program Expenses $696,724

Other Expenses $272,461

TOTAL EXPENSES $908,072

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,441,222	$869,694	+0.7%
Expenses	$908,072	$839,214	+0.1%
Net Income	$533,150	$30,480	+16.5%

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

2000

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

$149,116

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID BINKLEY	CHAIRPERSON	5.00	Officer Director	$0	$0	$0
CHRIS BRITTON	VICE CHAIRPERSON	5.00	Officer Director	$0	$0	$0
BARBARA SISTRUNK	SECRETARY	5.00	Officer Director	$0	$0	$0
SCOTT CARTWRIGHT	TREASURER	5.00	Officer Director	$0	$0	$0
ALLOYD BLACKMON	DIRECTOR	2.00	Director	$0	$0	$0
ELIJAH SHAMENDA	DIRECTOR	2.00	Director	$0	$0	$0
GLORA BRUSHWYLER	DIRECTOR	2.00	Director	$0	$0	$0
JAIME CERVANTES	DIRECTOR	2.00	Director	$0	$0	$0
JIM KRAMER	DIRECTOR	2.00	Director	$0	$0	$0
REV BRYANT BACON	DIRECTOR	2.00	Director	$0	$0	$0
RICH BRANDT	DIRECTOR	2.00	Director	$0	$0	$0
STEPHANIE HARVEY-VANDENBURG	DIRECTOR	2.00	Director	$0	$0	$0
TERRY STOKES	DIRECTOR	2.00	Director	$0	$0	$0
TOM AUSTIN	DIRECTOR	2.00	Director	$0	$0	$0
ANDREW ROBINSON	EXECUTIVE DIRECTOR - PRESIDENT	40.00	Officer	$76,154	$0	$76,154
GABRIELLE ENGLE	EXECUTIVE DIRECTOR -CEO	40.00	Officer	$72,962	$0	$72,962

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
2023	$1,441,222	$908,072	$1,035,145	$533,150
2022	$869,694	$839,214	$643,289	$30,480
2021	$828,015	$711,105	$832,525	$116,910
2020	$868,072	$806,911	$706,103	$61,161
2019	$693,378	$818,511	$568,516	$-125,133
2018	$1,248,791	$1,406,974	$1,154,974	$-158,183

MOSAIC CHRISTIAN COMMUNITY DEVELOPMENT ASSOCIATION INC