CROSSROADS MINISTRIES INC DBA NEW … - Form 990 Financial Data

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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

Legal Domicile

Principal Officer

LINDSEY HEINE

Phone

9897321626

Tax Period

2025-01-01 to 2025-12-31

CROSSROADS MINISTRIES INC DBA NEW LIFE PREGNANCY is a small nonprofit in the Religion sector that reported $235K in total revenue in fiscal year 2025. Revenue decreased 9% compared to the prior year. Expenses of $331K exceeded revenue, resulting in a 41% operating deficit.

Mission

TO ENCOURAGE, EQUIP AND INSPIRE INDIVIDUALS IN THEIR CHOICE FOR LIFE.

Program Service Accomplishments

Program 1

Expenses: $237,237

NEW LIFE PREGNANCY RESOURCE CENTER SERVES ANTRIM, CHARLEVOIX, CHEBOYGAN, CRAWFORD, MONTMORENCY, OTSEGO, PRESQUE ISLE, AND ROSCOMMON COUNTIES, PROVIDING PREGNANCY TESTING, ULTRASOUNDS, AND PARENTING...

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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 $231,213

Program Service Revenue $0

Investment Income $4,197

Other Revenue $0

TOTAL REVENUE $235,410

Expense Breakdown

Grants Paid $0

Salaries & Benefits $182,484

Fundraising Expenses $35,345

Program Expenses $237,237

Other Expenses $148,883

TOTAL EXPENSES $331,367

Year-over-Year Comparison

	2025	2024	Change
Revenue	$235,410	$259,963	-0.1%
Expenses	$331,367	$303,525	+0.1%
Net Income	$-95,957	$-43,562	+1.2%

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

N/A

Independent Members

N/A

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
ELIZABETH DELANY	SECRETARY	1.00	Officer Director	$0	$0	$0
LINDSEY HEINE	CHAIR	1.00	Officer Director	$0	$0	$0
MICHAEL CZAJKOWSKI	TREASURER	1.00	Officer Director	$0	$0	$0
BECKY MORGAN	MEMBER	1.00	Director	$0	$0	$0
MIKE ROLA	MEMBER	1.00	Director	$0	$0	$0
BECKY MASON	VICE CHAIR	1.00	Officer	$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	$235,410	$331,367	$375,517	$-95,957
2024	$259,963	$303,525	$467,176	$-43,562
2022	$244,934	$192,675	$338,166	$52,259
2021	$300,049	$169,299	$285,907	$130,750
2020	$266,485	$265,240	$181,446	$1,245
2020	$293,850	$133,862	$464,871	$159,988

CROSSROADS MINISTRIES INC DBA NEW LIFE PREGNANCY