Reformation Bible College Inc (EIN 463103295) - Form 990 Financial Analysis & Trantor Score

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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

2013

Legal Domicile

Principal Officer

James Moore

Phone

4073334244

Tax Period

2020-01-01 to 2020-12-31

Reformation Bible College Inc, founded in 2013, is a mid-sized nonprofit in the Education sector that reported $12.4M in total revenue in fiscal year 2020. Revenue surged 927% from the prior year, signaling strong growth momentum. The organization ran a surplus of $9.1M, a strong 74% operating margin.

Mission

Educational institution providing degree programs based on Reformed Christian doctrine.

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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 (2020)

Revenue Breakdown

Contributions & Grants $11,125,601

Program Service Revenue $1,238,929

Investment Income $0

Other Revenue $26,086

TOTAL REVENUE $12,390,616

Expense Breakdown

Grants Paid $666,586

Salaries & Benefits $1,590,997

Fundraising Expenses $60,000

Program Expenses $2,773,391

Other Expenses $1,019,111

TOTAL EXPENSES $3,276,694

Year-over-Year Comparison

	2020	2019	Change
Revenue	$12,390,616	$1,205,988	+9.3%
Expenses	$3,276,694	$3,186,525	+0.0%
Net Income	$9,113,922	$-1,980,537	-5.6%

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

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

$614,864

Total Directors

$800,896

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Dr Stephen Nichols	Chairman/President RBC	40.00	Officer Director	$229,167	$36,828	$265,995
James M Campisi	Director	1.00	Director	$0	$0	$0
Dr W Robert Godfrey	Director	1.00	Director	$0	$0	$87,332
Dr Steven J Lawson	Director	1.00	Director	$0	$0	$0
Christopher Larson	Director	5.00	Director	$0	$41,327	$334,441
Vesta Sproul	Director	5.00	Director	$0	$13,713	$113,128
Robert Wohleber	Director (began 11/2020)	1.00	Director	$0	$0	$0
Diane Berry	Treasurer	5.00	Officer	$0	$23,985	$161,973
James Moore	VP Operations/Secretary	5.00	Officer	$0	$12,821	$186,896

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
2020	$12,390,616	$3,276,694	$392,858	$9,113,922
2019	$1,205,988	$3,186,525	$154,553	$-1,980,537
2018	$761,352	$2,625,472	$146,439	$-1,864,120

Reformation Bible College Inc