THERMAL BELT OUTREACH 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

1991

Legal Domicile

Principal Officer

AMBER GRIFFIN

Phone

8288942988

Tax Period

2025-01-01 to 2025-12-31

THERMAL BELT OUTREACH MINISTRY INC, founded in 1991, is a community nonprofit in the Food, Agriculture & Nutrition sector that reported $2.5M in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $732K, a strong 29% operating margin.

Mission

TO PROVIDE BASIC COMPASSIONATE ASSISTANCE TO POLK COUNTY, NC RESIDENTS WHO ARE UNABLE TO MEET THEIR BASIC LIFE NEEDS

Program Service Accomplishments

Program 1

Expenses: $1,527,260

OUTREACH MAINTAINS A CLIENT CHOICE FOOD PANTRY TO PROVIDE A WEEKS WORTH OF GROCERIES TO QUALIFIED INDIVIDUALS ONE TIME PER MONTH. THE FOOD PANTRY ALSO PROVIDES OTHER PRODUCTS SUCH AS TOILET PAPER...

OUTREACH MAINTAINS A CLIENT CHOICE FOOD PANTRY TO PROVIDE A WEEKS WORTH OF GROCERIES TO QUALIFIED INDIVIDUALS ONE TIME PER MONTH. THE FOOD PANTRY ALSO PROVIDES OTHER PRODUCTS SUCH AS TOILET PAPER, PAPER TOWELS, AND HYGIENE PRODUCTS. THE PANTRY IS STOCKED WITH IN-KIND DONATIONS FROM MANNA FOOD BANK, DOLLAR GENERAL, FOOD LION, GOOD360, GROUPS AND INDIVIDUALS AS WELL AS MONETARY DONATIONS. AN AVERAGE OF 353 FAMILIES WERE SERVED MONTHLY. OUTREACH IS ALSO INVOLVED IN PROVIDING ASSISTANCE WITH RENT/MORTGAGE, UTILITIES, HOME REPAIR, RENTAL HOUSING, PROGRAMS FOR CHILDREN AND SENIOR CITIZENS AND A PROGRAM CALLED LIFE WORKS, DESIGNED TO HELP ADULTS REACH SELF SUSTAINABILITY.

Program 2

OTHER PROGRAM SERVICES INCLUDING VETERAN'S ASSISTANCE, SCHOOL SUPPLIES, HOLIDAY PROGRAMS, HEALTH ASSISTANCE, SPECIAL PROJECTS AND GENERAL OVERHEAD AND DISASTER RELIEF AND FOSTER CARE NEEDS.

Program 3

BACKPACK SNACKS PROGRAM PROVIDES A BAG OF FOOD FOR THE WEEKEND, THROUGHOUT THE SCHOOL YEAR FOR SCHOOL CHILDREN WHO QUALIFY IN POLK COUNTY, NC. 10,259 BAGS GO OUT DURING THE SCHOOL YEAR. DURING THE...

BACKPACK SNACKS PROGRAM PROVIDES A BAG OF FOOD FOR THE WEEKEND, THROUGHOUT THE SCHOOL YEAR FOR SCHOOL CHILDREN WHO QUALIFY IN POLK COUNTY, NC. 10,259 BAGS GO OUT DURING THE SCHOOL YEAR. DURING THE SUMMER MONTHS, BAGS ARE PROVIDED WEEKLY AND DELIVERED TO CHILDREN'S HOMES.

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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 $2,473,697

Program Service Revenue $0

Investment Income $33,420

Other Revenue $2,672

TOTAL REVENUE $2,509,789

Expense Breakdown

Grants Paid $0

Salaries & Benefits $370,971

Fundraising Expenses $48,940

Program Expenses $1,527,260

Other Expenses $1,407,171

TOTAL EXPENSES $1,778,142

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,509,789	$2,167,055	+0.2%
Expenses	$1,778,142	$1,649,105	+0.1%
Net Income	$731,647	$517,950	+0.4%

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
STEWART CAMERON	TREASURER	N/A	Officer Director	$0	$0	$0
JEFF CARTER	DIRECTOR	N/A	Director	$0	$0	$0
SKIP CROWE	DIRECTOR	N/A	Director	$0	$0	$0
AMBER GRIFFIN	PRESIDENT	N/A	Officer Director	$0	$0	$0
MIKE KARAMAN	DIRECTOR	N/A	Director	$0	$0	$0
ROBERT MORROW	DIRECTOR	N/A	Director	$0	$0	$0
TODD MURPHY	DIRECTOR	N/A	Director	$0	$0	$0
ANGIE PENA	DIRECTOR	N/A	Director	$0	$0	$0
LANE PRICE	DIRECTOR	N/A	Director	$0	$0	$0
ALAN PURTILL	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
DAVE SCHERPING	SECRETARY	N/A	Director	$0	$0	$0
GENE THOMPSON	DIRECTOR	N/A	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	$2,509,789	$1,778,142	$5,038,773	$731,647
2024	No data	No data	No data	No data
2023	$1,307,201	$1,226,348	$3,665,095	$80,853
2022	$1,536,035	$1,053,977	$3,485,198	$482,058
2021	$1,985,411	$1,070,377	$3,082,325	$915,034
2020	$1,705,318	$1,173,975	$2,230,954	$531,343
2019	$1,478,028	$1,327,807	$1,630,973	$150,221
2018	$1,418,365	$1,250,151	$1,518,438	$168,214