HERITAGE BIBLE COLLEGE (EIN 472287941) - 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

2014

Legal Domicile

Principal Officer

DR RYAN RALSTON

Phone

9129210088

Tax Period

2024-06-01 to 2025-05-31

HERITAGE BIBLE COLLEGE, founded in 2014, is a community nonprofit in the Education sector that reported $1.5M in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year.

Mission

EQUIP STUDENTS WITH COMPETENCE, ACADEMIC DISTINCTION, AND AN INFORMED BIBLICAL WORLDVIEW.

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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 (2024)

Revenue Breakdown

Contributions & Grants $185,470

Program Service Revenue $1,268,016

Investment Income $2,575

Other Revenue $52,998

TOTAL REVENUE $1,509,059

Expense Breakdown

Grants Paid $44,377

Salaries & Benefits $302,365

Fundraising Expenses $33,962

Program Expenses $1,329,123

Other Expenses $1,129,151

TOTAL EXPENSES $1,475,893

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,509,059	$1,631,204	-0.1%
Expenses	$1,475,893	$1,479,648	0.0%
Net Income	$33,166	$151,556	-0.8%

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

$28,641

Total Directors

$28,641

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRINA DAVIS	CFO	40.00	Officer Director	$28,641	$0	$28,641
GERALD CRAMER	SECRETARY	1.00	Officer Director	$0	$0	$0
ROBERT HICKS	BOARD MEMBER	1.00	Director	$0	$0	$0
REV DOUGLAS MEADOW	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK MORGAN	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN PADGETT	VICE CHAIR	1.00	Officer Director	$0	$0	$0
LORI PHILLIPS	BOARD MEMBER	1.00	Director	$0	$0	$0
DR RYAN RALSTON	PRESIDENT	40.00	Officer Director	$0	$0	$0
REV ISRAEL SANDERS	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
BRIAN STANLEY	BOARD MEMBER	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	$1,509,059	$1,475,893	$1,280,956	$33,166
2024	$1,631,204	$1,479,648	$1,228,915	$151,556
2023	$1,525,334	$1,474,998	$1,512,299	$50,336
2022	$1,484,140	$1,306,439	$1,470,682	$177,701
2021	$1,287,392	$1,043,809	$1,367,272	$243,583
2019	$324,541	$271,006	$663,256	$53,535

HERITAGE BIBLE COLLEGE