CHRISTIAN WORKING WOMAN

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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

1984

Legal Domicile

Principal Officer

JULIE BUSTEED

Phone

6304620552

Tax Period

2023-01-01 to 2023-12-31

CHRISTIAN WORKING WOMAN, founded in 1984, is a small nonprofit that reported $227K in total revenue in fiscal year 2023. Revenue fell 60% from the prior year — a significant decline worth monitoring. Expenses of $476K exceeded revenue, resulting in a 110% operating deficit.

Mission

TO TEACH, SUPPORT AND EMPOWER WORKING MEN AND WOMEN THE PRINCIPLES FROM GOD'S WORD WHICH WILL ENABLE ALL TO FULFILL THE COMMISSION OF THE GOSPEL.

Program Service Accomplishments

Program 1

Expenses: $150,107

THE PURPOSE OF THE CHRISTIAN WORKING WOMAN IS TO ENCOURAGE, EQUIP, AND EMPOWER CHRISTIANS IN THE WORKPLACE TO LOVE CHRIST MORE, TO LIVE THEIR DAILY LIVES BY BIBLICAL PRINCIPLES AND TO GO TO THEIR...

THE PURPOSE OF THE CHRISTIAN WORKING WOMAN IS TO ENCOURAGE, EQUIP, AND EMPOWER CHRISTIANS IN THE WORKPLACE TO LOVE CHRIST MORE, TO LIVE THEIR DAILY LIVES BY BIBLICAL PRINCIPLES AND TO GO TO THEIR JOBS AS AMBASSADORS OF JESUS CHRIST. TO THIS END, CWW PREPARES RADIO PROGRAMMING FOR BROADCAST AND ALSO PREPARES PODCAST AND MAILINGS TO ADVANCE THIS WORK.

Program 2

Expenses: $159,697 Revenue: $26,148

THE CHRISTIAN WORKING WOMAN HAD CONFERENCES AND SEMINARS TO TEACH CHRISTIAN PRINCIPLES TO WORKING WOMEN.

Program 3

Expenses: $52,598

THE CHRISTIAN WORKING WOMAN HAS SUPPORTED VARIOUS MISSIONARIES, MISSION PROJECTS, AND EDUCATIONAL TOURS TO ISRAEL.

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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 $165,748

Program Service Revenue $26,148

Investment Income $32,769

Other Revenue $2,473

TOTAL REVENUE $227,138

Expense Breakdown

Grants Paid $25,299

Salaries & Benefits $248,508

Fundraising Expenses $36,785

Program Expenses $362,402

Other Expenses $198,101

TOTAL EXPENSES $476,302

Year-over-Year Comparison

	2023	2022	Change
Revenue	$227,138	$571,613	-0.6%
Expenses	$476,302	$515,634	-0.1%
Net Income	$-249,164	$55,979	-5.5%

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

Total Directors

$175,265

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JULIE BUSTEED	EXECUTIVE DI	40.00	Director	$76,437	$23,522	$99,959
MARY LOWMAN	PRESIDENT	24.00	Director	$70,000	$5,306	$75,306
TODD BUSTEED	SECRETARY	0.25	Director	$0	$0	$0
STEVE HUDSPETH	BOARD MEMBER	0.25	Director	$0	$0	$0
CYNTHIA LEGGETT	TREASURER	0.50	Director	$0	$0	$0
JANET MCNICHOLAS	BOARD MEMBER	0.25	Director	$0	$0	$0
VIVETTE PAYNE	BOARD MEMBER	0.50	Director	$0	$0	$0
JOHN RORVIK	BOARD MEMBER	0.25	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	$227,138	$476,302	$1,647,968	$-249,164
2022	$571,613	$515,634	$1,769,092	$55,979
2021	$2,159,258	$486,737	$1,840,043	$1,672,521
2020	$179,101	$209,999	$61,607	$-30,898
2019	$255,436	$258,815	$61,945	$-3,379
2018	$202,556	$202,470	$33,925	$86