Calvary Christian Assembly Inc (EIN 610999995) - 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

1960

Legal Domicile

Principal Officer

Emily E Luttrell

Tax Period

2023-01-01 to 2023-12-31

Calvary Christian Assembly Inc, founded in 1960, is a small nonprofit in the Religion sector that reported $826K in total revenue in fiscal year 2023. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $207K, a strong 25% operating margin.

Mission

The primary exempt purpose is to provide a Christian based camp/retreat especially for youth, but also available as a retreat venue for everyone within the designated organzation.

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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 (2023)

Revenue Breakdown

Contributions & Grants $400,830

Program Service Revenue $226,753

Investment Income $16,879

Other Revenue $181,781

TOTAL REVENUE $826,243

Expense Breakdown

Grants Paid $0

Salaries & Benefits $176,833

Fundraising Expenses $0

Program Expenses $382,568

Other Expenses $442,222

TOTAL EXPENSES $619,055

Year-over-Year Comparison

	2023	2022	Change
Revenue	$826,243	$680,518	+0.2%
Expenses	$619,055	$615,482	+0.0%
Net Income	$207,188	$65,036	+2.2%

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

100

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
Julie Dickerson	Director	0.00	Director	$0	$0	$0
Melinda Carey	Director	0.00	Director	$0	$0	$0
Natahan Downs	Treasurer	0.00	Officer Director	$0	$0	$0
Bart Price	Secretary	0.00	Officer Director	$0	$0	$0
Dale McCauley	President	0.00	Officer Director	$0	$0	$0
Steve Rucker	Vice President	0.00	Officer Director	$0	$0	$0
Emily E Luttrell	Program Coordinator	40.00	Officer Director Key Emp Highest	$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
2023	$826,243	$619,055	$4,309,936	$207,188
2022	$680,518	$615,482	$4,107,275	$65,036
2021	$653,016	$486,996	$4,041,617	$166,020
2020	$546,199	$655,723	$3,684,671	$-109,524
2019	$345,284	$340,057	$3,576,382	$5,227
2018	$739,636	$431,156	$3,568,633	$308,480

Calvary Christian Assembly Inc