BY OUR LOVE (EIN 464936054) - 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

2014

Legal Domicile

Principal Officer

RENE WALDROP

Phone

3343322967

Tax Period

2025-01-01 to 2025-12-31

BY OUR LOVE, founded in 2014, is a small nonprofit in the Religion sector that reported $274K in total revenue in fiscal year 2020. Revenue surged 71% from the prior year, signaling strong growth momentum. The organization ran a surplus of $83K, a strong 30% operating margin.

Mission

OUR HOUSE IS A CHRISTIAN MINISTRY THAT DEMONSTRATES OUR LOVE FOR GOD AND OTHERS BY PARTNERING WITH FAMILIES TO DEVELOP, EQUIP AND INSPIRE SCHOOL-AGED CHILDREN AND YOUNG ADULTS TO REACH THEIR GOD-GIVEN POTENTIAL.

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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 $356,916

Program Service Revenue $0

Investment Income $13,273

Other Revenue $0

TOTAL REVENUE $370,189

Expense Breakdown

Grants Paid $0

Salaries & Benefits $262,544

Fundraising Expenses $0

Program Expenses $293,392

Other Expenses $81,983

TOTAL EXPENSES $344,527

Year-over-Year Comparison

	2025	2024	Change
Revenue	$370,189	$242,487	+0.5%
Expenses	$344,527	$329,460	+0.0%
Net Income	$25,662	$-86,973	-1.3%

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

$65,400

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RENE WALDROP	DIRECTOR & PRESIDENT	33.00	Director	$65,400	$0	$65,400
JAMERS CLEMENS	DIRECTOR , SECRETARY, TREA	10.00	Director	$0	$0	$0
ELLYN HIX	DIRECTOR	12.00	Director	$0	$0	$0
CALVIN PATRICK	DIRECTOR	3.00	Director	$0	$0	$0
HALEY BROOKS	DIRECTOR	3.00	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	$370,189	$344,527	$824,782	$25,662
2024	No data	No data	No data	No data
2023	$328,751	$314,998	$886,093	$13,753
2022	$416,997	$275,233	$873,340	$141,764
2021	$292,168	$191,295	$730,576	$100,873
2020	$274,497	$191,862	$629,654	$82,635

BY OUR LOVE