CIRCLE OF FAITH INC (EIN 391715347) - 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

1991

Legal Domicile

Principal Officer

SHANNA KESTLER

Phone

7157484944

Tax Period

2023-11-01 to 2024-10-31

CIRCLE OF FAITH INC, founded in 1991, is a small nonprofit that reported $624K in total revenue in fiscal year 2023. Revenue decreased 8% compared to the prior year.

Mission

WE RECEIVE DONATIONS AND SELL THEM AT THRIFT PRICES AND PROVIDE FOOD AND LODGING FOR THE NEEDY.

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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 $607,454

Program Service Revenue $0

Investment Income $4,995

Other Revenue $11,075

TOTAL REVENUE $623,524

Expense Breakdown

Grants Paid $3,015

Salaries & Benefits $458,023

Fundraising Expenses $7,332

Program Expenses $574,776

Other Expenses $214,498

TOTAL EXPENSES $675,536

Year-over-Year Comparison

	2023	2022	Change
Revenue	$623,524	$681,413	-0.1%
Expenses	$675,536	$629,493	+0.1%
Net Income	$-52,012	$51,920	-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

N/A

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

$128,180

Total Directors

$130,715

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WENDALL KESTLER	PRESIDENT	40.00	Officer Director	$83,950	$0	$83,950
NATHAN KESTLER	VICE PRESIDENT	40.00	Officer Director	$41,950	$0	$41,950
SHANNA KESTLER	TREASURER	40.00	Officer Director	$1,530	$0	$1,530
DEBRA DUESING	SECRETARY	8.00	Officer Director	$750	$0	$750
JUDY VETTERKIND	DIRECTOR	24.00	Director	$2,535	$0	$2,535
JACK ARNOLD	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL SCHMITT	DIRECTOR	0.50	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	$623,524	$675,536	$860,823	$-52,012
2023	$681,413	$629,493	$912,835	$51,920
2022	$608,916	$607,239	$910,188	$1,677
2021	$549,324	$467,836	$850,073	$81,488
2020	$438,751	$410,871	$768,575	$27,880
2019	$489,013	$443,762	$739,350	$45,251
2018	$453,984	$421,178	$693,605	$32,806

CIRCLE OF FAITH INC