MATTHEW 25 INC (EIN 351484951) - 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

1980

Legal Domicile

Principal Officer

MICHELLE CREAGER

Phone

2604263250

Tax Period

2024-10-01 to 2025-09-30

MATTHEW 25 INC, founded in 1980, is a community nonprofit in the Health Care sector that reported $8.8M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $2.2M, a strong 25% operating margin.

Mission

MATTHEW 25 IS THE ONLY FULL TIME CLINIC IN ALLEN COUNTY OFFERING FREE MEDICAL, DENTAL, VISION AND HEARING SERVICES UNDER ONE ROOF TO UNINSURED, LOW-INCOME RESIDENTS.

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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 $7,906,147

Program Service Revenue $33,940

Investment Income $828,655

Other Revenue $15,784

TOTAL REVENUE $8,784,526

Expense Breakdown

Grants Paid $3,395,894

Salaries & Benefits $2,294,233

Fundraising Expenses $299,459

Program Expenses $6,074,066

Other Expenses $939,728

TOTAL EXPENSES $6,629,855

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,784,526	$7,863,843	+0.1%
Expenses	$6,629,855	$8,165,170	-0.2%
Net Income	$2,154,671	$-301,327	-8.2%

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

371

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

$169,784

Total Directors

Key Employees

$403,190

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TAMMIE STINSON	MEDICAL DIRE	40.00	Key Emp	$217,385	$8,440	$225,825
ROGER VALLIERE	DENTAL DIREC	32.00	Key Emp	$168,925	$8,440	$177,365
MICHELLE CREAGER	CEO	40.00	Officer	$161,344	$8,440	$169,784
WIL SMITH	CHAIR	1.00	Officer Director	$0	$0	$0
WALLACE WETHERILL	VICE CHAIR	1.00	Officer Director	$0	$0	$0
RICHARD RICKY BROUGH	TREASURER	1.00	Officer Director	$0	$0	$0
SARAH GIAQUINTA	SECRETARY	1.00	Officer Director	$0	$0	$0
LORIE AILOR	DIRECTOR	1.00	Director	$0	$0	$0
BJ BATT	DIRECTOR	1.00	Director	$0	$0	$0
JOHN BOWEN	DIRECTOR	1.00	Director	$0	$0	$0
TIM CZARTOSKI	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT DETTMER	DIRECTOR	1.00	Director	$0	$0	$0
JOHN DUCKER	DIRECTOR	1.00	Director	$0	$0	$0
JEREMY FAUX	DIRECTOR	1.00	Director	$0	$0	$0
MARK FRANKE	DIRECTOR	1.00	Director	$0	$0	$0
DOMINIC J FREIBURGER	DIRECTOR	1.00	Director	$0	$0	$0
KEITH HARRISON	DIRECTOR	1.00	Director	$0	$0	$0
ADAM HENRY	DIRECTOR	1.00	Director	$0	$0	$0
GEORGE HICKS	DIRECTOR	1.00	Director	$0	$0	$0
MATTHEW KOLKMAN	DIRECTOR	1.00	Director	$0	$0	$0
JEFF RADKE	DIRECTOR	1.00	Director	$0	$0	$0
AARON SCHAFFER	DIRECTOR	1.00	Director	$0	$0	$0
JAMES WEHRENBERG	DIRECTOR	1.00	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	$8,784,526	$6,629,855	$10,486,967	$2,154,671
2024	$7,863,843	$8,165,170	$8,561,525	$-301,327
2023	$7,383,296	$7,926,671	$8,331,933	$-543,375
2022	$7,820,426	$8,024,302	$8,169,823	$-203,876
2021	$6,648,338	$5,533,488	$9,445,430	$1,114,850
2020	$4,491,716	$4,687,770	$7,987,942	$-196,054
2019	$5,721,912	$5,359,493	$7,805,507	$362,419
2018	$6,180,497	$5,535,278	$7,443,026	$645,219

MATTHEW 25 INC