LOVE INC (IN THE NAME OF CHRIST) OF CHARLOTTESVILLE AND ALBEMARLE (EIN 541529492) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1989

Legal Domicile

Principal Officer

Raymond Klein

Phone

4349777777

Tax Period

2023-01-01 to 2023-12-31

LOVE INC (IN THE NAME OF CHRIST) OF CHARLOTTESVILLE AND ALBEMARLE, founded in 1989, is a small nonprofit that reported $222K in total revenue in fiscal year 2023. Expenses of $205K left a modest 8% surplus.

Mission

To mobilize people in churches to transform lives and communities in the name of Jesus Christ. To provide a central clearinghouse for referring people with problems to church volunteers for help. To offer life skills and finance classes to empower people to become self-sufficient.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $221,711

Program Service Revenue $0

Investment Income $14

Other Revenue $0

TOTAL REVENUE $221,725

Expense Breakdown

Grants Paid $4,666

Salaries & Benefits $127,350

Fundraising Expenses $5,219

Program Expenses $141,560

Other Expenses $72,564

TOTAL EXPENSES $204,580

Year-over-Year Comparison

	2023	2022	Change
Revenue	$221,725	N/A	N/A
Expenses	$204,580	N/A	N/A
Net Income	$17,145	$0	N/A

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

$58,965

Total Directors

$58,965

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Raymond Klein	Executive Director; ex officio member, Bd of Dir	40	Officer Director	$58,965	$0	$58,965
Tom Balmer	Chair, Board of Directors	1	Director	$0	$0	$0
William Robinson	Vice Chair, Board of Directors	1	Director	$0	$0	$0
Patricia Perkins	Treasurer, Board of Directors	2	Director	$0	$0	$0
Angela Raker	Secretary, Board of Directors	1	Director	$0	$0	$0
Beth Fraser	Member, Board of Directors	4	Director	$0	$0	$0
Susan Keeney	Member, Board of Directors	1	Director	$0	$0	$0
Conner Brew	Member, Board of Directors	1	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
2023	$221,725	$204,580	$183,202	$17,145

LOVE INC (IN THE NAME OF CHRIST) OF CHARLOTTESVILLE AND ALBEMARLE