CHURCH LOAN FUND INC (EIN 272313597) - 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

2010

Legal Domicile

Principal Officer

ARTHUR RHODES

Phone

4234787131

Tax Period

2025-01-01 to 2025-12-31

CHURCH LOAN FUND INC, founded in 2010, is a community nonprofit in the Religion sector that reported $3.1M in total revenue in fiscal year 2025.

Mission

SERVE AS A MANAGER AND ADMINISTRATOR OF CHURCH LOANS AND TO SERVE AS AN ORIGINATOR OF FIRST MORTGAGE CHURCH LOANS TO QUALIFIED CONGREGATIONS WITHIN THE CHURCH OF GOD, AN INTERNATIONAL RELIGIOUS DENOMINATION.

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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 $0

Program Service Revenue $0

Investment Income $3,066,077

Other Revenue $6,867

TOTAL REVENUE $3,072,944

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,807,108

Other Expenses $3,069,405

TOTAL EXPENSES $3,069,405

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,072,944	$3,005,683	+0.0%
Expenses	$3,069,405	$3,088,057	0.0%
Net Income	$3,539	$-82,374	-1.0%

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

N/A

Volunteers

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARELENEY RODRIGUEZ	BOARD MEMBER	0.50	Director	$0	$0	$0
TRAVIS HENRY	CHAIRMAN	0.50	Officer Director	$0	$0	$0
ANGELA MCPHERSON	VICE CHAIRMAN	0.50	Officer Director	$0	$0	$0
J WAYNE WALSTON	BOARD MEMBER	0.50	Director	$0	$0	$0
LYLE SWARTZEL	BOARD MEMBER	0.50	Director	$0	$0	$0
ARTHUR RHODES	PRESIDENT/CEO	0.50	Officer	$0	$0	$0
GAYLA ILES	VICE PRESIDENT	0.50	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	$3,072,944	$3,069,405	$57,877,507	$3,539
2024	$3,005,683	$3,088,057	$55,093,244	$-82,374
2023	$2,499,065	$2,410,562	$50,365,705	$88,503
2022	$2,175,299	$2,171,425	$47,934,877	$3,874
2021	$2,026,360	$2,035,274	$45,949,413	$-8,914
2020	$2,125,597	$2,124,093	$44,104,861	$1,504
2019	$2,307,010	$2,345,924	$42,164,641	$-38,914
2018	$2,425,414	$2,366,277	$40,515,140	$59,137

CHURCH LOAN FUND INC