CHRISTIAN CONTRACTORS ASSOC INC (EIN 570971160) - 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

SCOTT W JAGER

Tax Period

2021-01-01 to 2021-12-31

CHRISTIAN CONTRACTORS ASSOC INC, founded in 1993, is a micro nonprofit in the Human Services sector that reported $7K in total revenue in fiscal year 2021. Revenue fell 92% from the prior year — a significant decline worth monitoring. Expenses of $57K exceeded revenue, resulting in a 778% operating deficit.

Mission

EMERGENCY HOME REPAIR NEEDS FOR THE WIDOWED, ELDERLY, DISABLED, AND FINANCIALLY NEEDY.

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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 $6,511

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $6,511

Expense Breakdown

Grants Paid $550

Salaries & Benefits $32,847

Fundraising Expenses $0

Other Expenses $23,755

TOTAL EXPENSES $57,152

Year-over-Year Comparison

	2021	2020	Change
Revenue	$6,511	$86,105	-0.9%
Expenses	$57,152	$49,711	+0.1%
Net Income	$-50,641	$36,394	-2.4%

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

$30,500

Total Directors

$30,500

Key Employees

$18,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT W JAGER	PRESIDENT	40.00	Officer Director Key Emp Highest	$18,000	$0	$18,000
SUSAN E JAGER	VICE PRESIDENT	32.00	Officer Director	$12,500	$0	$12,500
BETTY HOPKINS	SECRETARY	0.00	Officer Director	$0	$0	$0
WILLIAM HOPKINS	TREASURER	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	$6,511	$57,152	$23,603	$-50,641
2020	$86,105	$49,711	$75,202	$36,394
2019	$18,729	$96,808	$39,657	$-78,079
2018	$9,613	$73,772	$119,286	$-64,159

CHRISTIAN CONTRACTORS ASSOC INC