BIBLE DOCTRINES TO LIVE BY 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

1981

Legal Domicile

Principal Officer

MATTHEW RITCHEY

Tax Period

2025-01-01 to 2025-12-31

BIBLE DOCTRINES TO LIVE BY INC, founded in 1981, is a small nonprofit in the Religion sector that reported $291K in total revenue in fiscal year 2025. Revenue decreased 12% compared to the prior year. Expenses of $354K exceeded revenue, resulting in a 21% operating deficit.

Mission

TO PUBLISH AND DISTRIBUTE BIBLE STUDY MATERIALS AND CONDUCT BIBLE CONFERENCES AND EVANGELISTIC SERVICES IN LOCAL CHURCHES.

Program Service Accomplishments

Program 1

Expenses: $353,766

PRINTING OF BIBLE STUDY LITERATURE THAT IS SOLD AND/OR DISTRIBUTED AT CROSSROAD CRUSADER/FAITH AND FIRE CRUSADES AND/OR THROUGH THE CATALOG. MONTHLY BIBLE BRIEFS PRINTED AND DISTRIBUTED TO CHURCHES FREE OF CHARGE. TRUTH AFLAME (QUARTERLY BIBLE STUDY MAGAZINE) DISTRIBUTED AT NO CHARGE TO SUBSCRIBERS. PRINTING SERVICES OFFERED TO CHURCHES AND RELATED ORGANIZATIONS AT COST PLUS MINIMAL FEES FOR OVERHEAD.

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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 $242,323

Program Service Revenue $0

Investment Income $11,521

Other Revenue $37,337

TOTAL REVENUE $291,181

Expense Breakdown

Grants Paid $0

Salaries & Benefits $181,964

Fundraising Expenses $0

Program Expenses $353,766

Other Expenses $171,802

TOTAL EXPENSES $353,766

Year-over-Year Comparison

	2025	2024	Change
Revenue	$291,181	$330,293	-0.1%
Expenses	$353,766	$364,507	0.0%
Net Income	$-62,585	$-34,214	+0.8%

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
MATTHEW RITCHEY	EXECUTIVE DI	N/A	Director	$0	$0	$0
NEIL SCHNAATH	CHAIRMAN	N/A	Director	$0	$0	$0
SCOTT JEWETT	TREASURER	N/A	Director	$0	$0	$0
GARY WRIGHT	SECRETARY	N/A	Director	$0	$0	$0
PAUL TURNER II	DIRECTOR	N/A	Director	$0	$0	$0
PAUL TURNER I	DIRECTOR	N/A	Director	$0	$0	$0
JIM STRINGHAM	DIRECTOR	N/A	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	$291,181	$353,766	$823,031	$-62,585
2024	$330,293	$364,507	$886,242	$-34,214
2023	$657,218	$360,861	$914,363	$296,357
2022	$256,969	$328,070	$596,831	$-71,101
2021	$270,561	$285,493	$655,725	$-14,932
2020	$326,253	$272,970	$671,329	$53,283
2019	$238,651	$313,518	$614,287	$-74,867
2018	$278,568	$324,650	$695,671	$-46,082