PALOMA MINISTRIES (EIN 621411994) - 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

1989

Legal Domicile

Principal Officer

REV JOE BORNTREGER

Phone

9156302945

Tax Period

2025-01-01 to 2025-12-31

PALOMA MINISTRIES, founded in 1989, is a micro nonprofit that reported $30K in total revenue in fiscal year 2025. Expenses of $38K exceeded revenue, resulting in a 25% operating deficit.

Mission

PROVIDE CHRISTIAN MINISTRY

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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 $30,193

Program Service Revenue $0

Investment Income $198

Other Revenue $0

TOTAL REVENUE $30,391

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,600

Fundraising Expenses $0

Program Expenses $37,926

Other Expenses $28,326

TOTAL EXPENSES $37,926

Year-over-Year Comparison

	2025	2024	Change
Revenue	$30,391	$29,644	+0.0%
Expenses	$37,926	$27,624	+0.4%
Net Income	$-7,535	$2,020	-4.7%

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

N/A

Independent Members

N/A

Employees

N/A

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

$4,800

Total Directors

$9,600

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REV JOE BORNTREGER	PRESIDENT	40.00	Officer Director	$4,800	$0	$4,800
ESTHER BORNTREGER	SEC TREASURER	20.00	Director	$4,800	$0	$4,800
ROGER HANSON	DIRECTOR	1.00	Director	$0	$0	$0
JOHN PALM	DIRECTOR	1.00	Director	$0	$0	$0
JENNIE HANSON	DIRECTOR	1.00	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	$30,391	$37,926	$57,780	$-7,535
2024	$29,644	$27,624	$66,988	$2,020
2023	$37,508	$23,280	$66,444	$14,228
2022	$35,622	$40,433	$53,889	$-4,811
2021	$35,598	$25,555	$60,373	$10,043
2020	$28,626	$19,277	$52,003	$9,349
2019	$30,701	$19,603	$44,327	$11,098

PALOMA MINISTRIES