CHRISTIAN FAMILY SERVICES-PYO INC

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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

1950

Legal Domicile

Principal Officer

MEG ELDRIDGE

Phone

2485578390

Tax Period

2024-01-01 to 2024-08-15

CHRISTIAN FAMILY SERVICES-PYO INC, founded in 1950, is a micro nonprofit that reported $25K in total revenue in fiscal year 2023. Revenue fell 86% from the prior year — a significant decline worth monitoring. Expenses of $61K exceeded revenue, resulting in a 143% operating deficit.

Mission

TO HELP INDIVIDUALS AND FAMILIES IN NEED THROUGH UNPLANNED PREGNANCY COUNSELING AND ADOPTION.

Program Service Accomplishments

Program 1

Expenses: $41,860 Revenue: $35,676

THE ORGANIZATION PROVIDES INDIVIDUAL/FAMILY COUNSELING, EDUCATION AND COUNSELING TO WOMEN EXPERIENCING AN UNPLANNED PREGNANCY, BIRTH MOM SUPPORT SERVICES AS WELL AS COMPREHENSIVE ADOPTION SERIVCES...

THE ORGANIZATION PROVIDES INDIVIDUAL/FAMILY COUNSELING, EDUCATION AND COUNSELING TO WOMEN EXPERIENCING AN UNPLANNED PREGNANCY, BIRTH MOM SUPPORT SERVICES AS WELL AS COMPREHENSIVE ADOPTION SERIVCES FROM HOME TO DOMESTIC INFANT ADOPTIONS TO POST-PLACEMENT SUPERVISION. SERVICES ARE AVAILABLE TO MICHIGAN RESIDENTS LIVING IN THE LOWER PENINSULA. THE AGENCY IS RESPONSIBILE FOR PROVIDING AND MAINTAINING AN ADEQUATE WORK ENVIRONMENT, ADMINISTRATIVE SUPPORT FOR STAFF AND PROGRAMS, AND MAANGING THE BUDGETING AND FINANCIAL RESOURCES OF THE ORGANIZATION.

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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 $10,324

Program Service Revenue $35,676

Investment Income $-21,545

Other Revenue $807

TOTAL REVENUE $25,262

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,256

Fundraising Expenses $0

Program Expenses $41,860

Other Expenses $48,018

TOTAL EXPENSES $61,274

Year-over-Year Comparison

	2023	2022	Change
Revenue	$25,262	$186,177	-0.9%
Expenses	$61,274	$182,104	-0.7%
Net Income	$-36,012	$4,073	-9.8%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LEO LEVON	BOARD MEMBER	5.00	Officer Director	$0	$0	$0
HENRY MAICKI	PRESIDENT	5.00	Officer Director	$0	$0	$0
LIZ WOLFE	TREASURER	5.00	Officer 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	$25,262	$61,274	No data	$-36,012
2023	$159,654	$157,443	$46,605	$2,211
2022	$186,177	$182,104	$54,397	$4,073
2021	$146,745	$146,674	$42,852	$71
2020	$160,246	$150,990	$47,709	$9,256
2019	$202,002	$193,506	$60,271	$8,496
2018	$147,398	$172,421	$65,408	$-25,023
2017	$159,955	$166,361	$66,971	$-6,406