MIDWEST THEOLOGICAL FORUM INC (EIN 363953023) - 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

1995

Legal Domicile

Principal Officer

REV PETER ARMENIO

Phone

6307399750

Tax Period

2025-01-01 to 2025-12-31

MIDWEST THEOLOGICAL FORUM INC, founded in 1995, is a community nonprofit in the Religion sector that reported $1.1M in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year. Expenses of $1.3M exceeded revenue, resulting in a 18% operating deficit.

Mission

PUBLICATION, TRANSLATION, AND DISTRIBUTION OF RELIGIOUS BOOKS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $68,749

Program Service Revenue $0

Investment Income $181,522

Other Revenue $888,063

TOTAL REVENUE $1,138,334

Expense Breakdown

Grants Paid $0

Salaries & Benefits $563,970

Fundraising Expenses $0

Program Expenses $486,035

Other Expenses $777,201

TOTAL EXPENSES $1,341,171

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,138,334	$1,231,638	-0.1%
Expenses	$1,341,171	$1,167,873	+0.1%
Net Income	$-202,837	$63,765	-4.2%

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

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

$272,057

Total Directors

$132,057

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REV PETER ARMENIO	PRESIDENT	2.00	Officer Director	$0	$0	$0
EDMUNDO MARTINEZ	TREASURER	40.00	Officer Director	$93,308	$0	$93,308
RALPH ARESTE	MEMBER	2.00	Director	$0	$0	$0
RANDAL POWERS	SECRETARY	30.00	Officer Director	$38,749	$0	$38,749
JAMES BEECHER	MEMBER	2.00	Director	$0	$0	$0
JASON CARVER	MEMBER	2.00	Director	$0	$0	$0
REV RAMIL FAJARDO	MEMBER	2.00	Director	$0	$0	$0
WILLIAM KIPP	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
ELIA RIVERA	EXECUTIVE DIRECTOR	40.00	Officer	$140,000	$0	$140,000

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	$1,138,334	$1,341,171	$11,515,115	$-202,837
2024	$1,231,638	$1,167,873	$10,921,255	$63,765
2023	$1,076,923	$1,089,695	$10,265,189	$-12,772
2022	$1,331,422	$1,107,794	$9,682,073	$223,628
2021	$1,335,457	$1,139,397	$10,388,161	$196,060
2020	$1,436,558	$911,137	$9,907,110	$525,421

MIDWEST THEOLOGICAL FORUM INC