River of Life Christian Church in Philad (EIN 463395080) - 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

Tony Xu

Phone

9095693793

Tax Period

2025-01-01 to 2025-12-31

River of Life Christian Church in Philad, founded in 2013, is a micro nonprofit in the Religion sector that reported $96K in total revenue in fiscal year 2025. Expenses of $115K exceeded revenue, resulting in a 19% operating deficit.

Mission

Church Services

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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 (2025)

Revenue Breakdown

Contributions & Grants $87,465

Program Service Revenue $0

Investment Income $8,968

Other Revenue $0

TOTAL REVENUE $96,433

Expense Breakdown

Grants Paid $1,730

Salaries & Benefits $61,467

Fundraising Expenses $0

Program Expenses $115,181

Other Expenses $51,615

TOTAL EXPENSES $115,181

Year-over-Year Comparison

	2025	2024	Change
Revenue	$96,433	$90,790	+0.1%
Expenses	$115,181	$75,521	+0.5%
Net Income	$-18,748	$15,269	-2.2%

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

N/A

Independent Members

N/A

Employees

N/A

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
Tony Xu	President	40.00	Officer 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	$96,433	$115,181	$294,685	$-18,748
2024	No data	No data	No data	No data
2023	$57,111	$78,790	$298,648	$-21,679
2022	$78,975	$53,358	$320,419	$25,617
2021	$128,621	$31,258	$289,711	$97,363

River of Life Christian Church in Philad