WATERBROOK MINISTRIES NFP (EIN 611454085) - 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

2003

Legal Domicile

Principal Officer

Louise Decker

Phone

8155436420

Tax Period

2025-01-01 to 2025-12-31

WATERBROOK MINISTRIES NFP, founded in 2003, is a small nonprofit in the Religion sector that reported $183K in total revenue in fiscal year 2025. Expenses of $206K exceeded revenue, resulting in a 12% operating deficit.

Mission

This non profit organizations serves pastors and missionaries in full time ministry by providing sabbath rest retreats for no cost to the guests. Throughout the year 275 guests were housed and served.

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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 $183,055

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $183,055

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $205,541

Other Expenses $205,541

TOTAL EXPENSES $205,541

Year-over-Year Comparison

	2025	2024	Change
Revenue	$183,055	$181,936	+0.0%
Expenses	$205,541	$213,955	0.0%
Net Income	$-22,486	$-32,019	-0.3%

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

200

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
David Decker	Director	40	Director	$0	$0	$0
Louise Decker	Director	60	Director	$0	$0	$0
Brenda Myers	Director	4	Director	$0	$0	$0
Keith Ruiz	Board Member	2	Officer	$0	$0	$0
Wayne Fischer	Board Member	2	Officer	$0	$0	$0
Steve Glaze	Director	2	Officer	$0	$0	$0
Mark Bocker	Director	2	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	$183,055	$205,541	$977,138	$-22,486
2024	$181,936	$213,955	$999,630	$-32,019
2023	$243,303	$139,486	$1,031,649	$103,817
2022	$210,132	$401,062	$927,830	$-190,930
2021	$77,770	$104,769	$506,097	$-26,999

WATERBROOK MINISTRIES NFP