Third Step Ministry

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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

2010

Legal Domicile

Principal Officer

Elizabeth Gersch

Phone

5627083506

Tax Period

2024-07-01 to 2025-06-30

Third Step Ministry, founded in 2010, is a small nonprofit in the Religion sector that reported $279K in total revenue in fiscal year 2024. The organization ran a surplus of $97K, a strong 35% operating margin.

Mission

Support for women suffering from addiction and recovery support

Program Service Accomplishments

Program 1

Expenses: $104,237 Revenue: $94,209

Fund Raising for Scholarships, Golf Tournament, Sielnt Auction, Amazon Book Sales, Recovery Ride Ticket, TShirts Project

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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 (2024)

Revenue Breakdown

Contributions & Grants $258,687

Program Service Revenue $0

Investment Income $0

Other Revenue $20,588

TOTAL REVENUE $279,275

Expense Breakdown

Grants Paid $29,427

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $104,237

Other Expenses $127,082

TOTAL EXPENSES $182,577

Year-over-Year Comparison

	2024	2023	Change
Revenue	$279,275	N/A	N/A
Expenses	$182,577	N/A	N/A
Net Income	$96,698	N/A	N/A

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
Maria R Camarillo	Chairwoman	015.00	Officer Director	$0	$0	$0
Valerie Valverde	Vice President	009.00	Officer Director	$0	$0	$0
Elizabeth Gersch	Treasurer	007.00	Officer Director	$0	$0	$0
Elizabeth Borja	Secretary	004.00	Officer Director	$0	$0	$0
Melesia Higuera	Director	001.00	Director	$0	$0	$0
Myrna Dekker	Director	001.00	Director	$0	$0	$0
Maria Romo	Director	001.00	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
2025	$279,275	$182,577	$220,746	$96,698