THE CROSS-OVER MINISTRY INC

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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

1983

Legal Domicile

Principal Officer

JULIE SCOTT BILODEAU

Phone

8046552794

Tax Period

2023-07-01 to 2024-06-30

THE CROSS-OVER MINISTRY INC, founded in 1983, is a mid-sized nonprofit in the Health Care sector that reported $12.7M in total revenue in fiscal year 2023. Revenue surged 33% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.7M, a strong 29% operating margin.

Mission

TO PROVIDE HIGH QUALITY HEALTHCARE, PROMOTE WELLNESS AND CONNECT THE TALENTS AND RESOURCES OF THE RICHMOND COMMUNITY WITH PEOPLE IN NEED IN THE NAME OF JESUS CHRIST.

Program Service Accomplishments

Program 1

Expenses: $7,476,607 Revenue: $2,418,307

CROSS-OVER OPERATES TWO HEALTHCARE CLINICS IN THE RICHMOND, VA AREA THAT PROVIDE CARE TO TWO GROUPS: LOW INCOME, UNINSURED PATIENTS AND PATIENTS ENROLLED IN MEDICAID. CROSS-OVER PROVIDES A...

CROSS-OVER OPERATES TWO HEALTHCARE CLINICS IN THE RICHMOND, VA AREA THAT PROVIDE CARE TO TWO GROUPS: LOW INCOME, UNINSURED PATIENTS AND PATIENTS ENROLLED IN MEDICAID. CROSS-OVER PROVIDES A COMPREHENSIVE MIX OF PRIMARY CARE INCLUDING PEDIATRIC CARE, SPECIALTY MEDICAL CARE, DENTAL CARE, VISION CARE, OBSTETRICS AND GYNECOLOGY CARE, HIV CARE, MENTAL HEALTH CARE, AND SOCIAL WORK SERVICES, AMONG OTHER SUBSPECIALTIES. CROSS-OVER ALSO OPERATES A LICENSED PHARMACY. CROSS-OVER IS UNIQUELY POSITIONED TO PROVIDE THESE SERVICES, DUE TO OUR MANY COLLABORATORS AND NUMEROUS VOLUNTEERS. IN 2024, VOLUNTEERS CONTRIBUTED OVER 32,000 HOURS OF SERVICE. CROSS-OVER ALSO BENEFITS FROM PRO BONO MEDICATIONS, LABS, AND IMAGING. WE PROVIDE COMPREHENSIVE CARE SO THAT OUR PATIENTS CAN LEAD MORE PRODUCTIVE, FULFILLING LIVES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $10,155,512

Program Service Revenue $2,418,307

Investment Income $100,258

Other Revenue $14,073

TOTAL REVENUE $12,688,150

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,061,975

Fundraising Expenses $818,344

Program Expenses $7,476,607

Other Expenses $4,791,843

TOTAL EXPENSES $9,010,248

Year-over-Year Comparison

	2023	2022	Change
Revenue	$12,688,150	$9,543,654	+0.3%
Expenses	$9,010,248	$8,554,858	+0.1%
Net Income	$3,677,902	$988,796	+2.7%

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

557

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

$398,560

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL MURCHIE MD	EX-OFFICIO M	40.00	Officer	$206,134	$13,570	$219,704
JULIE SCOTT BILODEAU	EX-OFFICIO C	40.00	Officer	$169,477	$9,379	$178,856
VELMA BARNWELL	DENTAL DIREC	40.00	Highest	$164,660	$0	$164,660
DANIELLE AVULA	ASSOC MED DI	32.00	Highest	$131,069	$0	$131,069
LIZ WIEBE	NURSE PRACTI	40.00	Highest	$107,406	$1,844	$109,250
PATRICIA LEE ROBERTSON RN LNHA MH	CHAIR	5.00	Officer Director	$0	$0	$0
BETSY D BEAMER	VICE CHAIR	5.00	Officer Director	$0	$0	$0
GREGORY HILLMAN	TREASURER	5.00	Officer Director	$0	$0	$0
CATHY CAWLEY	SECRETARY	5.00	Officer Director	$0	$0	$0
PATRICE BOONE	DIRECTOR	2.00	Director	$0	$0	$0
RICHARD CULLEN	DIRECTOR	2.00	Director	$0	$0	$0
TOM DONAHUE	DIRECTOR	2.00	Director	$0	$0	$0
REV DANIEL GLAZE	DIRECTOR	2.00	Director	$0	$0	$0
CASSIE LEWIS DNP ACNP-BC	DIRECTOR	2.00	Director	$0	$0	$0
MARY LYNN LUNN	DIRECTOR	2.00	Director	$0	$0	$0
ELIZABETH MATISH	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL MATTHEWS	DIRECTOR	2.00	Director	$0	$0	$0
CLAUDIA MILLS	DIRECTOR	2.00	Director	$0	$0	$0
LEE MITCHELL	DIRECTOR	2.00	Director	$0	$0	$0
MARK SLUSHER	DIRECTOR	2.00	Director	$0	$0	$0
GEOFFREY STIFF	DIRECTOR	2.00	Director	$0	$0	$0
NANCY C THOMAS	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL THORNE-BEGLAND	DIRECTOR	2.00	Director	$0	$0	$0
JANET WILLS CFP	DIRECTOR	2.00	Director	$0	$0	$0
DR ISAAC L WORNOM III	DIRECTOR	2.00	Director	$0	$0	$0
DR GEORGE VETROVEC	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	No data	No data	No data	No data
2024	$12,688,150	$9,010,248	$10,434,499	$3,677,902
2023	$9,543,654	$8,554,858	$7,356,160	$988,796
2022	$7,515,641	$7,742,305	$6,279,599	$-226,664
2021	$8,308,867	$7,692,611	$4,590,453	$616,256
2020	$7,009,516	$6,684,695	$3,987,574	$324,821
2019	$7,219,391	$6,452,014	$3,656,783	$767,377