LOVING GRACE MINISTRIES INC (EIN 521160024) - 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

1979

Legal Domicile

Principal Officer

JOHN JAWOROWSKI

Phone

9737296203

Tax Period

2024-01-01 to 2024-12-31

LOVING GRACE MINISTRIES INC, founded in 1979, is a community nonprofit in the Religion sector that reported $1.2M in total revenue in fiscal year 2024. Expenses of $1.0M left a modest 15% surplus.

Mission

RELIGIOUS TEACHINGS AND MINISTRIES

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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 $1,146,432

Program Service Revenue $18,436

Investment Income $32,506

Other Revenue $0

TOTAL REVENUE $1,197,374

Expense Breakdown

Grants Paid $0

Salaries & Benefits $263,064

Fundraising Expenses $81,285

Program Expenses $834,181

Other Expenses $759,485

TOTAL EXPENSES $1,022,549

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,197,374	$1,234,073	0.0%
Expenses	$1,022,549	$967,363	+0.1%
Net Income	$174,825	$266,710	-0.3%

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

$97,634

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WAYNE MONBLEAU	DIRECTOR	40.00	Director	$97,634	$0	$97,634
KAREN FOTI	DIRECTOR	1.00	Director	$0	$0	$0
JOHN JAWOROWSKI	PRESIDENT/TR	2.00	Officer Director	$0	$0	$0
JOANN MANNING	DIRECTOR	1.00	Director	$0	$0	$0
DEBORAH MONBLEAU	SECRETARY	2.00	Officer Director	$0	$0	$0
LISA PROKOPOWITZ	DIRECTOR	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
2024	$1,197,374	$1,022,549	$886,154	$174,825
2023	$1,234,073	$967,363	$729,979	$266,710
2022	$921,166	$1,000,127	$449,980	$-78,961
2021	$1,001,466	$977,274	$519,797	$24,192
2020	$961,401	$972,684	$486,662	$-11,283
2019	$972,626	$1,021,167	$503,004	$-48,541
2018	$1,010,922	$1,039,110	$551,113	$-28,188

LOVING GRACE MINISTRIES INC