Challenge for Living Ministries Inc (EIN 561851107) - 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

1993

Legal Domicile

Principal Officer

Joe Brown

Phone

7045771340

Tax Period

2021-01-01 to 2021-12-31

Challenge for Living Ministries Inc, founded in 1993, is a micro nonprofit in the Religion sector that reported $96K in total revenue in fiscal year 2021. Revenue surged 78% from the prior year, signaling strong growth momentum. Expenses of $127K exceeded revenue, resulting in a 32% operating deficit.

Mission

CFL is a Christian organization designed to do humanitarian aid and provide social services. We equip pastors to lead local congregations in an international setting and we preach the gospel of Jesus Christ.

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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 (2021)

Revenue Breakdown

Contributions & Grants $96,000

Program Service Revenue $0

Investment Income $57

Other Revenue $0

TOTAL REVENUE $96,057

Expense Breakdown

Grants Paid $11,304

Salaries & Benefits $100,000

Fundraising Expenses $0

Program Expenses $11,304

Other Expenses $15,936

TOTAL EXPENSES $127,240

Year-over-Year Comparison

	2021	2020	Change
Revenue	$96,057	$54,014	+0.8%
Expenses	$127,240	$116,981	+0.1%
Net Income	$-31,183	$-62,967	-0.5%

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

N/A

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

$50,000

Total Directors

$50,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Joe Brown	Chairman	40.00	Officer Director	$50,000	$0	$50,000
David Thurman	Secretary	0.00	Director	$0	$0	$0
Michael Moore	Treasurer	0.00	Director	$0	$0	$0
Phyllis Brown	Vice President	0.00	Officer 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
2021	$96,057	$127,240	$599,182	$-31,183
2020	$54,014	$116,981	$630,365	$-62,967
2019	$24,117	$146,215	$693,332	$-122,098
2018	$42,370	$165,825	$815,430	$-123,455

Challenge for Living Ministries Inc