PROVERBS 31 MINISTRY INC (EIN 561989197) - 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

1996

Legal Domicile

Principal Officer

BARB SPENCER

Phone

7048492270

Tax Period

2025-01-01 to 2025-09-30

PROVERBS 31 MINISTRY INC, founded in 1996, is a community nonprofit in the Religion sector that reported $5.1M in total revenue in fiscal year 2025. Revenue fell 29% from the prior year — a significant decline worth monitoring.

Mission

NONDENOMINATIONAL CHRISTIAN MINISTRY LEADING WOMEN INTO A PERSONAL RELATIONSHIP WITH 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 (2025)

Revenue Breakdown

Contributions & Grants $3,467,267

Program Service Revenue $1,334,829

Investment Income $128,982

Other Revenue $196,161

TOTAL REVENUE $5,127,239

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,918,530

Fundraising Expenses $384,342

Program Expenses $4,454,947

Other Expenses $1,697,934

TOTAL EXPENSES $5,616,464

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,127,239	$7,179,889	-0.3%
Expenses	$5,616,464	$7,755,706	-0.3%
Net Income	$-489,225	$-575,817	-0.2%

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

134

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
STEVE BROWN	BOARD CHAIR	1.00	Director	$0	$0	$0
AMY KING	DIRECTOR	1.00	Director	$0	$0	$0
DERWIN GRAY	DIRECTOR	0.00	Director	$0	$0	$0
ADINA MARCHESCHI BOYER	DIRECTOR	0.00	Director	$0	$0	$0
JOHN PUTNAM	DIRECTOR	0.00	Director	$0	$0	$0
AMY NIKKEL	DIRECTOR	0.00	Director	$0	$0	$0
MONTY STEPURA	DIRECTOR	0.00	Director	$0	$0	$0
LYSA TERKEURST	PRESIDENT/CHIEF VISIONARY OFFICER	30.00	Officer	$0	$0	$0
MEREDITH BROCK	CEO/SECRETARY	40.00	Officer	$0	$0	$0
BARB SPENCER	EXECUTIVE DIRECTOR/TREASURER	40.00	Officer	$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	$5,127,239	$5,616,464	$12,659,815	$-489,225
2024	No data	No data	No data	No data
2023	$8,235,225	$7,599,254	$13,620,570	$635,971
2022	$7,018,606	$7,196,812	$13,247,275	$-178,206
2021	$7,801,367	$6,688,094	$13,833,312	$1,113,273
2020	$8,150,405	$6,105,194	$9,570,923	$2,045,211
2019	$7,358,642	$6,177,190	$6,719,258	$1,181,452
2018	$6,593,698	$5,875,022	$5,506,194	$718,676

PROVERBS 31 MINISTRY INC