CUP OF COLD WATER MINISTRIES (EIN 363084386) - 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

1978

Legal Domicile

Phone

8158261152

Tax Period

2023-01-01 to 2023-12-31

CUP OF COLD WATER MINISTRIES, founded in 1978, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2023. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $965K left a modest 6% surplus.

Mission

TO HELP PEOPLE TO GO WHERE GOD HAS CALLED THEM TO SERVE, AND TO SEND CHRISTIAN MISSIONARIES TO THE MISSION FIELD BOTH AT HOME AND ABROAD.

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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 (2023)

Revenue Breakdown

Contributions & Grants $953,562

Program Service Revenue $4,077

Investment Income $0

Other Revenue $63,840

TOTAL REVENUE $1,021,479

Expense Breakdown

Grants Paid $417,685

Salaries & Benefits $302,439

Fundraising Expenses $0

Program Expenses $938,899

Other Expenses $245,023

TOTAL EXPENSES $965,147

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,021,479	$889,506	+0.1%
Expenses	$965,147	$874,777	+0.1%
Net Income	$56,332	$14,729	+2.8%

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

$38,446

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHARI TVRDIK	Executive Dir.	40.00	Director	$38,446	$0	$38,446
FRED ALEXANDER	President	3.00	Officer Director	$0	$0	$0
GLENN HARMS	Secretary	3.00	Officer Director	$0	$0	$0
HENRY HAGENBUCH	Vice President	2.00	Officer Director	$0	$0	$0
LINDA DEWITT	Board Member	1.00	Director	$0	$0	$0
ANNETTE HART	Board Member	1.00	Director	$0	$0	$0
MATTHEW WAITE	Board Member	1.00	Director	$0	$0	$0
MATTHEW GREVEN	Board Member	1.00	Director	$0	$0	$0
CARLA CASNER	Board Member	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
2024	No data	No data	No data	No data
2023	$1,021,479	$965,147	$1,209,672	$56,332
2022	$889,506	$874,777	$1,153,339	$14,729
2021	$847,361	$685,353	$499,756	$162,008
2020	$548,634	$511,602	$337,748	$37,032
2019	$511,749	$464,210	$306,033	$47,539
2018	$522,236	$532,847	$299,496	$-10,611

CUP OF COLD WATER MINISTRIES