REAL LIFE CHRISTIAN MINISTRIES (EIN 621610761) - 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

1997

Legal Domicile

Principal Officer

RUTH THOMAS

Phone

4239337689

Tax Period

2024-01-01 to 2024-12-31

REAL LIFE CHRISTIAN MINISTRIES, founded in 1997, is a small nonprofit in the Religion sector that reported $547K in total revenue in fiscal year 2024. Revenue surged 10846% from the prior year, signaling strong growth momentum. The organization ran a surplus of $475K, a strong 87% operating margin.

Mission

TO EQUIP BELIEVERS TO GLORIFY GOD IN EVERY AREA OF THEIR LIFE.

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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 (2024)

Revenue Breakdown

Contributions & Grants $546,991

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $546,991

Expense Breakdown

Grants Paid $0

Salaries & Benefits $33,204

Fundraising Expenses $0

Program Expenses $66,337

Other Expenses $39,140

TOTAL EXPENSES $72,344

Year-over-Year Comparison

	2024	2023	Change
Revenue	$546,991	$4,997	+108.5%
Expenses	$72,344	$12,367	+4.8%
Net Income	$474,647	$-7,370	-65.4%

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

N/A

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

$39,467

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BISHOP M NEVILLE SMITH	BOARD MEMBER	1.00	Director	$0	$0	$0
BISHOP MICHAEL LEACH	BOARD MEMBER	1.00	Director	$0	$0	$0
RUTH THOMAS	PRESIDENT	20.00	Officer	$13,333	$0	$13,333
JAMES A THOMAS	VICE PRESIDENT	20.00	Officer	$23,334	$0	$23,334
MELVIN BENFORD	TREASURER	10.00	Officer	$0	$0	$0
DEBORAH BENFORD	SECRETARY	10.00	Officer	$2,800	$0	$2,800

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
2024	$546,991	$72,344	$474,647	$474,647
2023	$4,997	$12,367	No data	$-7,370
2022	$571,398	$655,767	$8,678	$-84,369

REAL LIFE CHRISTIAN MINISTRIES