THE CROSS FOUNDATION (EIN 364176913) - 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

1997

Legal Domicile

Principal Officer

ROBERT F SCHULTZ

Phone

2173424100

Tax Period

2024-01-01 to 2024-12-31

THE CROSS FOUNDATION, founded in 1997, is a small nonprofit in the Religion sector that reported $148K in total revenue in fiscal year 2018. Revenue surged 88% from the prior year, signaling strong growth momentum. The organization ran a surplus of $79K, a strong 53% operating margin.

Mission

TO SHARE THE CHRISTIAN MESSAGE OF LOVE, FORGIVENESS, AND ETERNAL LIFE THROUGH JESUS CHRIST WITH AS MANY AS POSSIBLE, THROUGH PROGRAMS, ACTIVITIES, AND THE SYMBOLISM OF THE CROSS.

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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 $220,768

Program Service Revenue $0

Investment Income $124

Other Revenue $304

TOTAL REVENUE $221,196

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $140,465

Other Expenses $145,803

TOTAL EXPENSES $145,803

Year-over-Year Comparison

	2024	2023	Change
Revenue	$221,196	$65,453	+2.4%
Expenses	$145,803	$144,529	+0.0%
Net Income	$75,393	$-79,076	-2.0%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES M SCHULTZ	PRESIDENT	1.00	Officer Director	$0	$0	$0
ROBERT F SCHULTZ	SECRETARY	1.00	Officer Director	$0	$0	$0
TOM WRIGHT	TREASURER	1.00	Officer Director	$0	$0	$0
CAROL GAPSIS	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTY HAKMAN	DIRECTOR	1.00	Director	$0	$0	$0
DAVE RING	DIRECTOR	1.00	Director	$0	$0	$0
MATT CEKANDER	DIRECTOR	1.00	Director	$0	$0	$0
GINA WILLENBORG	DIRECTOR	1.00	Director	$0	$0	$0
MEGAN BRANDT	DIRECTOR	1.00	Director	$0	$0	$0
WAYNE FUNNEMAN	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	No data	No data	No data	No data
2024	$221,196	$145,803	$1,642,413	$75,393
2023	$65,453	$144,529	$1,567,343	$-79,076
2022	$421,984	$125,310	$1,652,510	$296,674
2021	$75,782	$101,984	$1,376,636	$-26,202
2020	$110,651	$65,101	$1,411,468	$45,550
2019	$110,459	$71,853	$1,374,148	$38,606
2018	$148,095	$69,517	$1,343,434	$78,578

THE CROSS FOUNDATION