M28 MINISTRY (EIN 275350538) - 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

Principal Officer

JONATHAN FREEMAN

Phone

7174973841

Tax Period

2025-01-01 to 2025-12-31

M28 MINISTRY is a small nonprofit in the Religion sector that reported $300K in total revenue in fiscal year 2025. Revenue surged 29% from the prior year, signaling strong growth momentum. The organization ran a surplus of $81K, a strong 27% operating margin.

Mission

M28 WILL ENCOURAGE AND INSPIRE DISCIPLE MAKING AND AUTHENTIC RELATIONSHIPS THAT LEAD TO A MOVEMENT OF DISCIPLE MAKERS EAGER TO BE THE CHURCH AND CHANGE IN THE WORLD BY FILFILLING THE GREAT COMMISSION (MATTHEW 28:19-20) AND THE CULTURAL COMMISSION (MATTHEW 5:13-16) IN OUR LOCAL COMMUNITIES

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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 $300,393

Program Service Revenue $0

Investment Income $76

Other Revenue $-270

TOTAL REVENUE $300,199

Expense Breakdown

Grants Paid $0

Salaries & Benefits $92,693

Fundraising Expenses $0

Program Expenses $219,344

Other Expenses $126,651

TOTAL EXPENSES $219,344

Year-over-Year Comparison

	2025	2024	Change
Revenue	$300,199	$232,023	+0.3%
Expenses	$219,344	$273,692	-0.2%
Net Income	$80,855	$-41,669	-2.9%

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

$89,385

Total Directors

$85,170

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES E SCHAMBACH III	EXECUTIVE DI	40.00	Officer Director	$64,900	$0	$64,900
JAMES E SCHAMBACH JR	DIRECTOR EME	40.00	Officer Director	$20,270	$0	$20,270
JENNIFER DIAZ	ADMIN ASSIST	20.00	Officer	$4,215	$0	$4,215
DOUGLAS ANDERSON	DIRECTOR	N/A	Director	$0	$0	$0
SUSAN EWING	SECRETARY	N/A	Director	$0	$0	$0
JONATHAN FREEMAN	PRESIDENT	N/A	Officer Director	$0	$0	$0
ROBERT MARSH	TREASURER	N/A	Officer Director	$0	$0	$0
MICHAEL RASCOE	DIRECTOR	N/A	Director	$0	$0	$0
ROBYN RAU	DIRECTOR	N/A	Director	$0	$0	$0
JAREK SHANK	DIRECTOR	N/A	Director	$0	$0	$0
DOUGLAS SMITH	DIRECTOR	N/A	Director	$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	$300,199	$219,344	$190,028	$80,855
2024	$232,023	$273,692	$109,173	$-41,669
2023	$215,410	$231,413	$150,842	$-16,003
2022	$228,253	$188,469	$166,845	$39,784

M28 MINISTRY