POINT OF LIGHT MINISTRIES INC

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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

2000

Legal Domicile

Principal Officer

SHARON NAFRADY

Phone

5742292256

Tax Period

2020-01-01 to 2020-12-31

POINT OF LIGHT MINISTRIES INC, founded in 2000, is a micro nonprofit in the Religion sector that reported $68K in total revenue in fiscal year 2020. Revenue fell 54% from the prior year — a significant decline worth monitoring. Expenses of $107K exceeded revenue, resulting in a 58% operating deficit.

Mission

THE GOAL IS TO OFFER BIBLICAL SOLUTIONS TO HELP AND SUPPORT IN DIFFICULT TIMES AND TO PROVIDE A PLACE WHERE PEOPLE OF ALL AGES CAN COME AND BE A PART OF ACTIVITIES THAT WOULD STRENGTHEN AND ENCOURAGE.

Program Service Accomplishments

Program 1

Expenses: $956

UPWARD SOCCER IS A FORM OF SPORTS MINISTRY THAT PROMOTES SALVATION, CHARACTER, AND SELF-ESTEEM IN EVERY CHILD WHILE TEACHING THE FUNDAMENTAL SKILLS NEEDED TO PLAY THE GAME.

Program 2

Expenses: $100,563 Revenue: $35,684

NET RENTAL INCOME IS DERIVED FROM THE RENTAL OF THE INDOOR AND OUTDOOR FACILITIES FOR VARIOUS RELIGIOUS PURPOSES.

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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 (2020)

Revenue Breakdown

Contributions & Grants $22,205

Program Service Revenue $35,684

Investment Income $0

Other Revenue $10,000

TOTAL REVENUE $67,889

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $101,519

Other Expenses $107,387

TOTAL EXPENSES $107,387

Year-over-Year Comparison

	2020	2019	Change
Revenue	$67,889	$147,227	-0.5%
Expenses	$107,387	$145,667	-0.3%
Net Income	$-39,498	$1,560	-26.3%

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

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
CAROL LAIDIG	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
SHARON NAFRADY	PRESIDENT	4.00	Officer Director	$0	$0	$0
ROGER D LAIDIG	SECRETARY/TR	1.00	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
2020	$67,889	$107,387	$509,998	$-39,498
2019	$147,227	$145,667	$549,496	$1,560
2018	$143,962	$106,752	$547,936	$37,210