BELIEVERS STEWARDSHIP SERVICES INC (EIN 311782614) - 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

2001

Legal Domicile

Principal Officer

ROBERT C SULLIVAN

Phone

5635824818

Tax Period

2024-07-01 to 2025-06-30

BELIEVERS STEWARDSHIP SERVICES INC, founded in 2001, is a community nonprofit in the Philanthropy & Grantmaking sector that reported $4.5M in total revenue in fiscal year 2024. Expenses of $5.1M exceeded revenue, resulting in a 12% operating deficit.

Mission

ASSISTING CHRISTIANS BELIEVERS TO GLORIFY GOD THROUGH BIBLICAL STEWARDSHIP

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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 $3,553,854

Program Service Revenue $0

Investment Income $983,215

Other Revenue $7,917

TOTAL REVENUE $4,544,986

Expense Breakdown

Grants Paid $4,127,238

Salaries & Benefits $583,517

Fundraising Expenses $19,194

Program Expenses $4,593,941

Other Expenses $395,363

TOTAL EXPENSES $5,106,118

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,544,986	$4,776,002	0.0%
Expenses	$5,106,118	$4,583,491	+0.1%
Net Income	$-561,132	$192,511	-3.9%

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

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

$140,937

Total Directors

$140,937

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT SULLIVAN	PRESIDENT & CEO	40.00	Officer Director	$121,658	$19,279	$140,937
WILLIAM COYLE	CHAIRMAN	2.00	Officer Director	$0	$0	$0
SAMUEL THORPE JR	VICE CHAIRMAN	0.20	Officer Director	$0	$0	$0
WALTER SKIP ELLIOTT	TREASURER	1.00	Officer Director	$0	$0	$0
MARK KELLER	RISK OFFICER	1.00	Officer Director	$0	$0	$0
PAUL BONNER	SECRETARY	0.20	Officer Director	$0	$0	$0
JOHN PEASLAND	DIRECTOR	0.50	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	$4,544,986	$5,106,118	$24,228,747	$-561,132
2024	$4,776,002	$4,583,491	$23,409,163	$192,511
2023	$11,717,584	$4,461,332	$22,648,425	$7,256,252
2022	$5,402,636	$5,557,491	$15,426,767	$-154,855
2021	$3,760,622	$3,383,469	$18,487,302	$377,153
2020	$3,227,788	$4,111,768	$15,661,597	$-883,980
2019	$5,164,650	$5,861,526	$16,882,062	$-696,876
2018	$3,637,410	$2,797,298	$17,463,476	$840,112

BELIEVERS STEWARDSHIP SERVICES INC