LIFE TO LIFE MINISTRIES 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

1998

Legal Domicile

Principal Officer

JAMES C CUNNEEN

Phone

4076578129

Tax Period

2025-01-01 to 2025-12-31

LIFE TO LIFE MINISTRIES INC, founded in 1998, is a small nonprofit in the Religion sector that reported $447K in total revenue in fiscal year 2025.

Mission

IN USA, COLLEGIATE CHRISTIAN STUDY AND SERVICE ORGANIZATION AT UNIV. OF CENTRAL FLORIDA. PURPOSE: TO HELP CHRISTIAN STUDENTS GROW IN FAITH AND SERVE IN THEIR COMMUNITIES. IN AFRICA, CHRISTIAN MINISTRY AND HUMANITARIAN AID ORGANIZATIONIN ZIMBABWE.

Program Service Accomplishments

Program 1

Expenses: $11,927 Revenue: $0

Ministry expenses: in USA, at Univ. of Central Florida (Orlando), the organization has small-group activites such as Bible studies, fellowship meetings, weekend retreats, and campus outreach...

Ministry expenses: in USA, at Univ. of Central Florida (Orlando), the organization has small-group activites such as Bible studies, fellowship meetings, weekend retreats, and campus outreach activities (such as information table on campus to answer students questions about Christian faith.) Newsletters and other Bible-related materials are printed to help students grow in their christian faith. The above expenses include costs of food for meetings, travel mileage, etc. Also included are office expenses, corporate renewal fees, Florida Consumer Agency fees, business license fees (Orange County, Florida) and insurance costs (Officer Liability and Workers Comp)

Program 2

Expenses: $208,343 Revenue: $0

Salaries and payroll taxes: Federal and state withholding, Medicare and Social Security... for the staff of the organization.

Program 3

Expenses: $234,701 Revenue: $0

African humanitarian aid and christian ministry to needy families and individuals (no government grants) in Zimbabwe, Africa. This aid consists of urgent life needs of food, medicines, and orphan...

African humanitarian aid and christian ministry to needy families and individuals (no government grants) in Zimbabwe, Africa. This aid consists of urgent life needs of food, medicines, and orphan care for many families. There is an orphan care facility with two supported workers. Recent projects include helping families grow corn on small plots of land, and helping qualified elementary and high school students with school fees. A multi-purpose community center (with adjoining land for growing crops) was completed in 2018. This building was partially funded by Hopevale Church of Sanginaw, MI. Volunteers from this church also traveled to Zimbabwe to help with its construction. A christian College ministry is also conducted in Chinhoyi, Zimbabwe at CUT (Chinhoyi Univ. of Technology) For Further informatioin on this ministry/ humanitartian aid effort in Africa, please see www.life2lifeafrica.blogspot.com

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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 $447,129

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $447,129

Expense Breakdown

Grants Paid $234,701

Salaries & Benefits $208,343

Fundraising Expenses $0

Program Expenses $454,971

Other Expenses $11,927

TOTAL EXPENSES $454,971

Year-over-Year Comparison

	2025	2024	Change
Revenue	$447,129	$420,338	+0.1%
Expenses	$454,971	$419,386	+0.1%
Net Income	$-7,842	$952	-9.2%

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

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

$115,445

Total Directors

$197,424

Key Employees

$92,898

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
James Cunneen Pres Emeritus	9249 Toby Lane, Orlando, FL 32817-1398	45.00	Director Key Emp Highest	$81,979	$0	$81,979
Thomas Gilbert President	3841 Stonefield Drive, Orlando, FL 32826	50.00	Officer Director	$59,735	$0	$59,735
Michael Sulc Vice Pres	1319 16TH ST.,AMES, IA 50010	40.00	Officer Director	$55,710	$0	$55,710
SAMANTHA YOUNG	51552 180TH ST., AIMES, IA 50014	20.00	Key Emp	$10,919	$0	$10,919
Richard Bates Board Chair	9211 Cornish Court, Orlando, FL 32817	N/A	Director	$0	$0	$0
Frederick Franz Director	PO Box 621355, Oviedo, FL 32765	N/A	Director	$0	$0	$0
Karen Copeland CPA Director	260 Plaza Drive, Oviedo, FL 32765	N/A	Director	$0	$0	$0
Wm Andrew Pearson Director	5941 Cheswood Drive, Orlando, FL 32817	N/A	Director	$0	$0	$0
TARA GILBERT	3841 STONEFIELD DR. ORLANDO, FL 32826	N/A	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
2025	$447,129	$454,971	$130,647	$-7,842
2024	$420,338	$419,386	$138,489	$952
2023	$436,544	$416,474	$137,537	$20,070
2022	$394,498	$444,455	$117,467	$-49,957
2021	$420,415	$393,265	$167,424	$27,150
2020	$431,233	$395,911	$140,274	$35,322