REFORMED BAPTIST SEMINARY (EIN 475444660) - 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

2015

Legal Domicile

Principal Officer

JEFF SMITH

Phone

9166171770

Tax Period

2024-02-01 to 2025-01-31

REFORMED BAPTIST SEMINARY, founded in 2015, is a small nonprofit in the Education sector that reported $338K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $299K left a modest 11% surplus.

Mission

TO PROVIDE RELIGIOUS EDUCATION, DIPLOMAS, DEGREES AND CERTIFICATES.

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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 $135,099

Program Service Revenue $202,407

Investment Income $26

Other Revenue $0

TOTAL REVENUE $337,532

Expense Breakdown

Grants Paid $0

Salaries & Benefits $211,371

Fundraising Expenses $4,907

Program Expenses $237,952

Other Expenses $87,511

TOTAL EXPENSES $298,882

Year-over-Year Comparison

	2024	2023	Change
Revenue	$337,532	$305,164	+0.1%
Expenses	$298,882	$283,842	+0.1%
Net Income	$38,650	$21,322	+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

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
JEFF SMITH	BOARD CHAIRM	3.00	Officer Director	$0	$0	$0
ROBERT ELLIOT	VICE CHAIRMA	2.00	Officer Director	$0	$0	$0
BRIAN BORGMAN	DIRECTOR	2.00	Director	$0	$0	$0
JAMIE HOWELL	DIRECTOR	2.00	Director	$0	$0	$0
JEFF JOHNSON	DIRECTOR	2.00	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	$337,532	$298,882	$327,517	$38,650
2024	$305,164	$283,842	$273,899	$21,322
2023	$288,073	$262,245	$288,021	$25,828
2022	$286,861	$228,134	$267,353	$58,727
2021	$264,660	$232,110	$203,848	$32,550
2020	$219,205	$201,924	$139,694	$17,281
2019	$222,805	$177,385	$122,001	$45,420

REFORMED BAPTIST SEMINARY