LOMAN MINISTRIES INC (EIN 274554660) - 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

2011

Legal Domicile

Principal Officer

HAROLD L LOMAN

Phone

8123504625

Tax Period

2025-01-01 to 2025-12-31

LOMAN MINISTRIES INC, founded in 2011, is a small nonprofit in the Religion sector that reported $158K in total revenue in fiscal year 2025. Revenue decreased 16% compared to the prior year. The organization ran a surplus of $35K, a strong 22% operating margin.

Mission

LOMAN MINISTRIES IS DEDICATED TO ASSISTING THE LOCAL & CHRISTIAN FAITH-BASED ORGANIZATIONS

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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 $157,758

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $157,758

Expense Breakdown

Grants Paid $0

Salaries & Benefits $49,751

Fundraising Expenses $0

Program Expenses $122,518

Other Expenses $72,767

TOTAL EXPENSES $122,518

Year-over-Year Comparison

	2025	2024	Change
Revenue	$157,758	$187,117	-0.2%
Expenses	$122,518	$113,363	+0.1%
Net Income	$35,240	$73,754	-0.5%

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

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
GRETCHEN L LOMAN	SECRETARYTREASURER	1.00	Officer Director	$0	$0	$0
SCOTT ESTEP	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD LOMAN	DIRECTOR	1.00	Director	$0	$0	$0
TIM JARNIGAN	DIRECTOR	1.00	Director	$0	$0	$0
JAMES PHILLIPS	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT SESSIONS	DIRECTOR	1.00	Director	$0	$0	$0
JAMES WORTON	N/A	1.00	Director	$0	$0	$0
HAROLD L LOMAN	PRESIDENT	40.00	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	$157,758	$122,518	$187,046	$35,240
2024	$187,117	$113,363	$151,806	$73,754
2023	$119,826	$136,774	$78,052	$-16,948
2022	$116,282	$105,618	$95,000	$10,664
2021	$122,280	$102,304	$84,336	$19,976
2020	$126,675	$92,932	$64,360	$33,743
2019	$94,881	$112,962	$30,617	$-18,081
2018	$129,501	$118,860	$48,698	$10,641

LOMAN MINISTRIES INC