URBAN LIGHTHOUSE MINISTRIES

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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

2015

Legal Domicile

Principal Officer

EMMANUEL MERCADO

Phone

7178056383

Tax Period

2025-01-01 to 2025-12-31

URBAN LIGHTHOUSE MINISTRIES, founded in 2015, is a small nonprofit in the Education sector that reported $721K in total revenue in fiscal year 2025. Revenue surged 80% from the prior year, signaling strong growth momentum. The organization ran a surplus of $290K, a strong 40% operating margin.

Mission

TO EDUCATE CHILDREN, YOUTH AND ADULTS ACADEMICALLY, SOCIALLY AND SPIRITUALLY

Program Service Accomplishments

Program 1

Expenses: $423,245 Revenue: $52,745

EDUCATE CHILDREN, YOUTH AND ADULTS ACADEMICALLY, SOCIALLY AND SPIRITUALLY

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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 $653,757

Program Service Revenue $60,657

Investment Income $7,039

Other Revenue $0

TOTAL REVENUE $721,453

Expense Breakdown

Grants Paid $8,600

Salaries & Benefits $287,636

Fundraising Expenses $1,621

Program Expenses $423,245

Other Expenses $135,037

TOTAL EXPENSES $431,273

Year-over-Year Comparison

	2025	2024	Change
Revenue	$721,453	$399,741	+0.8%
Expenses	$431,273	$400,733	+0.1%
Net Income	$290,180	$-992	-293.5%

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

$8,400

Total Directors

$32,700

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EMMANUEL MERCADO	CHAIRMAN	5.00	Officer Director	$0	$0	$0
LOREN YODER	VICE CHAIRMA	5.00	Officer Director	$0	$0	$0
ZACHERY WEAVER	SECRETARY	5.00	Officer Director	$0	$0	$0
ROBERT KAUFFMAN	TREASURER	5.00	Officer Director	$8,400	$0	$8,400
LESTER G NEWSWANGER JR	PASTORAL ADV	5.00	Director	$24,300	$0	$24,300
JESSE PETERS	DIRECTOR	5.00	Director	$0	$0	$0
WENDELL STOLTZFUS	DIRECTOR	5.00	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	$721,453	$431,273	$1,003,348	$290,180
2024	$399,741	$400,733	$713,658	$-992
2023	$446,448	$395,486	$714,419	$50,962
2022	$412,099	$360,988	$660,894	$51,111
2021	$538,956	$443,268	$609,101	$95,688
2020	$276,509	$217,649	$513,878	$58,860
2019	$320,811	$165,922	$457,223	$154,889