CROSS WORKS THRIFT STORE INC (EIN 460644422) - 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

2012

Legal Domicile

Principal Officer

TERRY GARDNER

Phone

2568996222

Tax Period

2025-01-01 to 2025-12-31

CROSS WORKS THRIFT STORE INC, founded in 2012, is a small nonprofit in the Religion sector that reported $199K in total revenue in fiscal year 2018. Revenue fell 49% from the prior year — a significant decline worth monitoring. Expenses of $237K exceeded revenue, resulting in a 19% operating deficit.

Mission

THRIFT STORE SELLING DONATED GOODS TO SUPPORT MISSION WORK, SPREADING THE WORD OF GOD LOCALLY AND GLOBALLY

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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 $405,228

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $405,228

Expense Breakdown

Grants Paid $153,026

Salaries & Benefits $117,870

Fundraising Expenses $0

Program Expenses $372,542

Other Expenses $101,646

TOTAL EXPENSES $372,542

Year-over-Year Comparison

	2025	2024	Change
Revenue	$405,228	$359,422	+0.1%
Expenses	$372,542	$346,748	+0.1%
Net Income	$32,686	$12,674	+1.6%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERRY GARDNER	PRESIDENT	1.00	Officer Director	$0	$0	$0
PATRICK CUNNINGHAM	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
RITA MCMINN	SECY/TREAS	20.00	Officer Director	$0	$0	$0
AUDREY HUMPHREYS	DIRECTOR	1.00	Director	$0	$0	$0
JANIE BAUGH	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	$405,228	$372,542	$528,770	$32,686
2024	No data	No data	No data	No data
2023	$385,326	$319,397	$483,410	$65,929
2022	$385,863	$318,917	$418,391	$66,946
2021	$330,709	$279,260	$350,535	$51,449
2020	$236,874	$262,963	$299,086	$-26,089
2019	$268,785	$282,626	$325,175	$-13,841
2018	$198,715	$236,845	$339,016	$-38,130

CROSS WORKS THRIFT STORE INC