FULLVALUE MINISTRIES

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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

1990

Legal Domicile

Principal Officer

NORBERT OESCH

Phone

7145851436

Tax Period

2025-01-01 to 2025-12-31

FULLVALUE MINISTRIES, founded in 1990, is a small nonprofit in the Religion sector that reported $235K in total revenue in fiscal year 2025. Revenue surged 69% from the prior year, signaling strong growth momentum. The organization ran a surplus of $39K, a strong 16% operating margin.

Mission

BIBLE STUDIES ARE OFFERED FREE IN VARIOUS LANGUAGES. PROVIDE WATER PUMPS, FOOD AND GOATS TO REMOTE VILLAGES.

Program Service Accomplishments

Program 1

Expenses: $190,112 Revenue: $123

BIBLE STUDIES WILL BE OFFERED FREE IN THE LANGUAGE OF THE COUNTRY WHICH REQUIRES REGULAR TRANSLATING. SOME OF THE STUDIES ARE IN SPANISH, PORTUGESE, PUNJAB, FARSI, SWAHILI, PAKISTANI, ETHIOPIAN AND OTHER LANGUAGES IN SOUTH AND CENTRAL AMERICA, ASIA AND AFRICA. PROVIDE WATER PUMPS, FOOD AND GOATS TO REMOTE VILLAGES.

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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 $235,318

Program Service Revenue $0

Investment Income $29

Other Revenue $123

TOTAL REVENUE $235,470

Expense Breakdown

Grants Paid $142,657

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $190,112

Other Expenses $54,000

TOTAL EXPENSES $196,657

Year-over-Year Comparison

	2025	2024	Change
Revenue	$235,470	$139,492	+0.7%
Expenses	$196,657	$186,399	+0.1%
Net Income	$38,813	$-46,907	-1.8%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACKIE OESCH	PRESIDENT	10.00	Officer Director	$0	$0	$0
JOEL OESCH	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
KENNETH ELLWEIN	FINANCIAL OFFICER	1.00	Officer Director	$0	$0	$0
MIKE GIBSON	CHAIRMAN (TERM 11/25)	1.00	Officer Director	$0	$0	$0
NORBERT OESCH	CHAIRMAN (START 12/25)	1.00	Officer Director	$0	$0	$0
TODD MORITZ	TREASURER/SECRETARY (START 12/25)	1.00	Officer Director	$0	$0	$0
SARAH MORITZ	DIRECTOR	1.00	Director	$0	$0	$0
JUDY ELLWEIN	DIRECTOR	1.00	Director	$0	$0	$0
DOMINIC RIVKIN	DIRECTOR (START 12/25)	1.00	Director	$0	$0	$0
MARK JUNKANS	CEO (START 12/25)	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	$235,470	$196,657	$156,773	$38,813
2024	$139,492	$186,399	$140,354	$-46,907
2023	$248,483	$208,855	$187,261	$39,628