COVENANT COUNSELING AND EDUCATION CENTER (EIN 452691324) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2011

Legal Domicile

Principal Officer

CATLIN CADE

Phone

2058797500

Tax Period

2025-01-01 to 2025-12-31

COVENANT COUNSELING AND EDUCATION CENTER, founded in 2011, is a community nonprofit in the Mental Health sector that reported $1.3M in total revenue in fiscal year 2018. Revenue grew 10% year-over-year, indicating healthy expansion.

Mission

COVENANT COUNSELING AND EDUCATION CENTER EXISTS TO BRING HOPE, HELP AND HEALING THROUGH THE GOSPEL TO INDIVIDUALS, COUPLES AND FAMILIES THROUGH COUNSELING SERVICES.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,505,533

Investment Income $7,659

Other Revenue $5,500

TOTAL REVENUE $1,518,692

Expense Breakdown

Grants Paid $0

Salaries & Benefits $159,573

Fundraising Expenses $0

Program Expenses $1,516,773

Other Expenses $1,357,200

TOTAL EXPENSES $1,516,773

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,518,692	$1,552,960	0.0%
Expenses	$1,516,773	$1,537,069	0.0%
Net Income	$1,919	$15,891	-0.9%

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

$52,769

Total Directors

$52,769

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAY EZELLE	CHAIRMAN	1.00	Officer Director	$0	$0	$0
CHARLES SHARP	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
CATLIN CADE	TREASURER	1.00	Officer Director	$0	$0	$0
GIL KRACKE	SECRETARY	13.00	Officer Director	$52,769	$0	$52,769
JOYCE MCKAY	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
2025	$1,518,692	$1,516,773	$273,089	$1,919
2024	$1,552,960	$1,537,069	$242,250	$15,891
2023	$1,485,131	$1,478,682	$237,492	$6,449
2022	$1,386,920	$1,398,977	$232,316	$-12,057
2021	$1,393,138	$1,392,648	$243,680	$490
2020	$1,431,441	$1,407,369	$253,685	$24,072
2019	$1,376,135	$1,357,192	$250,507	$18,943
2018	$1,333,073	$1,308,675	$223,543	$24,398

COVENANT COUNSELING AND EDUCATION CENTER