STREAMS OF LIGHT INTERNATIONAL INC (EIN 371985947) - 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

2020

Legal Domicile

Principal Officer

OLEG LOTCA

Phone

8887657654

Tax Period

2024-01-01 to 2024-12-31

STREAMS OF LIGHT INTERNATIONAL INC, founded in 2020, is a community nonprofit in the Religion sector that reported $2.5M in total revenue in fiscal year 2024. Revenue fell 32% from the prior year — a significant decline worth monitoring. Expenses of $2.3M left a modest 6% surplus.

Mission

Streams of Light International brings hope and healing to the world through comprehensive evangelismtraining and mobilizing lay members to reach every home, especially in the large cities, with the everlasting gospel as revealed in the three angels messages.

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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 $1,183,677

Program Service Revenue $1,189,503

Investment Income $12,025

Other Revenue $89,482

TOTAL REVENUE $2,474,687

Expense Breakdown

Grants Paid $0

Salaries & Benefits $622,727

Fundraising Expenses $206,477

Program Expenses $1,673,764

Other Expenses $1,692,515

TOTAL EXPENSES $2,315,242

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,474,687	$3,649,848	-0.3%
Expenses	$2,315,242	$1,849,478	+0.3%
Net Income	$159,445	$1,800,370	-0.9%

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

$117,528

Total Directors

$117,528

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICIA HUMPHREY	Secretary	40.00	Officer Director	$60,888	$0	$60,888
ANTHONY RAMIREZ	Treasurer	40.00	Officer Director	$56,640	$0	$56,640
JAY GALLIMORE	Chairman	1.00	Director	$0	$0	$0
OLEG LOTCA	President	40.00	Officer Director	$0	$0	$0
RICHARD CONSTANTINESCU	Board Member	1.50	Director	$0	$0	$0
NELSON ERNST	Board Member	1.50	Director	$0	$0	$0
STEVE BROWNELL	Board Member	1.50	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	$2,474,687	$2,315,242	$8,700,724	$159,445
2023	$3,649,848	$1,849,478	$3,007,972	$1,800,370
2022	$1,364,026	$540,527	$1,097,238	$823,499
2021	$495,545	$237,829	$268,596	$257,716

STREAMS OF LIGHT INTERNATIONAL INC