ST CROIX CHAPLAINCY ASSOCIATION C/O FIRST PRESBYTERIAN CHURCH (EIN 411628281) - 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

Principal Officer

REV CADER HOWARD

Phone

6514304586

Tax Period

2023-01-01 to 2023-11-30

ST CROIX CHAPLAINCY ASSOCIATION C/O FIRST PRESBYTERIAN CHURCH is a micro nonprofit that reported $74K in total revenue in fiscal year 2022. Revenue fell 58% from the prior year — a significant decline worth monitoring. Expenses of $201K exceeded revenue, resulting in a 171% operating deficit.

Mission

TO PROVIDE SPIRITUAL CARE AND EMOTIONAL SUPPORT TO THE RESIDENTS AND PATIENTS OF THE CONTRACTED ST. CROIX VALLEY HEALTH CARE FACILITIES AND PROGRAMS WITH AND ON BEHALF OF SPONSORING ORGANIZATIONS

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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 (2022)

Revenue Breakdown

Contributions & Grants $500

Program Service Revenue $68,585

Investment Income $3,038

Other Revenue $2,250

TOTAL REVENUE $74,373

Expense Breakdown

Grants Paid $80,000

Salaries & Benefits $103,386

Fundraising Expenses $0

Program Expenses $182,799

Other Expenses $18,043

TOTAL EXPENSES $201,429

Year-over-Year Comparison

	2022	2021	Change
Revenue	$74,373	$177,866	-0.6%
Expenses	$201,429	$215,164	-0.1%
Net Income	$-127,056	$-37,298	+2.4%

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

$67,600

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REV BOB FURNISS	EXECUTIVE DI	40.00	Director	$67,600	$0	$67,600
REV DAN BADER	DIRECTOR	1.00	Director	$0	$0	$0
RUSS COMMINGS	TREASURER	1.00	Officer Director	$0	$0	$0
REV CADER HOWARD	CHAIR	1.00	Officer Director	$0	$0	$0
MS DEB MAHONEY	DIRECTOR	1.00	Director	$0	$0	$0
REVKARNA MOSKALIK	DIRECTOR	1.00	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
2023	$74,373	$201,429	No data	$-127,056
2022	$177,866	$215,164	$128,186	$-37,298
2021	$212,188	$206,591	$164,354	$5,597
2020	$186,589	$202,489	$158,757	$-15,900
2019	$202,438	$208,296	$174,657	$-5,858
2018	$203,842	$205,832	$180,515	$-1,990

ST CROIX CHAPLAINCY ASSOCIATION C/O FIRST PRESBYTERIAN CHURCH