MUSTARD TREE MINISTRIES INC

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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

2014

Legal Domicile

Principal Officer

Barbara Zellner

Phone

4237136379

Tax Period

2023-01-01 to 2023-12-31

MUSTARD TREE MINISTRIES INC, founded in 2014, is a small nonprofit in the Human Services sector that reported $299K in total revenue in fiscal year 2023. Revenue fell 62% from the prior year — a significant decline worth monitoring. Expenses of $369K exceeded revenue, resulting in a 23% operating deficit.

Mission

We provide basic necessities to the poor and homeless in Chattanooga, such as food, shelter, clothing, prescriptions and utilities. We raise money to sponsor churches and offer outreach for community development to the people of Romania and help Romanian orphans by providing water, food, shelter and education.

Program Service Accomplishments

Program 1

Expenses: $55,072 Revenue: $0

We provided food, lodging, prescriptions, transportation assistance and utilities for the poor and homeless in the Chattanooga area.

Program 2

Expenses: $173,300 Revenue: $0

We raised money to sponsor churches in Romania and help Romanian orphans by providing water, food, shelter and education.

Program 3

Expenses: $105,463 Revenue: $0

Salaries and benefits

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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 (2023)

Revenue Breakdown

Contributions & Grants $299,053

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $299,053

Expense Breakdown

Grants Paid $228,372

Salaries & Benefits $105,463

Fundraising Expenses $0

Program Expenses $368,603

Other Expenses $34,768

TOTAL EXPENSES $368,603

Year-over-Year Comparison

	2023	2022	Change
Revenue	$299,053	$782,438	-0.6%
Expenses	$368,603	$287,702	+0.3%
Net Income	$-69,550	$494,736	-1.1%

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

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

$57,814

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kathleen Ramirez	Farm Manager	40	Key Emp Highest	$38,126	$0	$38,126
Sara Holley	Administrative Assistant	40	Key Emp	$19,688	$0	$19,688
Barry Kidwell	Director	20	Director	$0	$0	$0
Jamie Culbertson	Trustee	2	Director	$0	$0	$0
Elizabeth Riley	Secretary	2	Director	$0	$0	$0
Becky Hall	Trustee	2	Director	$0	$0	$0
Randall Taylor	Trustee	2	Director	$0	$0	$0
Alexa LeBoeuf	Trustee	2	Director	$0	$0	$0
Tiffanie Robinson	Trustee	2	Director	$0	$0	$0
Terri Holley	Trustee	2	Director	$0	$0	$0
Lynne Stutts	Trustee	2	Director	$0	$0	$0
Barbara Zellner	Treasurer	4	Officer	$0	$0	$0
Mike Purcell	Vice President	2	Officer	$0	$0	$0
Tim Threadgill	President	10	Key Emp	$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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$299,053	$368,603	$680,806	$-69,550
2022	$782,438	$287,702	$750,339	$494,736
2021	$299,900	$239,435	$256,870	$60,465