PRINCIPLES TO LIVE BY

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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

Phone

9163443322

Tax Period

2025-01-01 to 2025-12-31

PRINCIPLES TO LIVE BY is a small nonprofit in the Religion sector that reported $320K in total revenue in fiscal year 2025. Expenses of $301K left a modest 6% surplus.

Mission

TO HELP INDIVIDUALS FULFILL GOD'S PURPOSE FOR THEIR LIVES.

Program Service Accomplishments

Program 1

Expenses: $289,715

PROVIDE INSTRUCTIONAL MATERIALS TO INDIVIDUALS, FAMILIES, CHURCHES AND COMMUNITIES TO HELP THEM FULFULL THEIR UNIQUE PURPOSE AND FULLY EXPRESS THE GOOD WORKS THAT GOD HAS DESIGNED FOR THEM.

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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 $308,303

Program Service Revenue $0

Investment Income $6

Other Revenue $12,024

TOTAL REVENUE $320,333

Expense Breakdown

Grants Paid $0

Salaries & Benefits $226,708

Fundraising Expenses $0

Program Expenses $289,715

Other Expenses $73,914

TOTAL EXPENSES $300,622

Year-over-Year Comparison

	2025	2024	Change
Revenue	$320,333	$301,464	+0.1%
Expenses	$300,622	$311,017	0.0%
Net Income	$19,711	$-9,553	-3.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GIL STIEGLITZ	President	15.00	Officer Director	$0	$0	$0
JOHN KORNOFF	Treasurer	0.00	Director	$0	$0	$0
DEAN MATTESON	Secretary	0.00	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	$320,333	$300,622	$72,480	$19,711
2024	$301,464	$311,017	$52,769	$-9,553
2023	$279,962	$265,806	$62,322	$14,156
2022	$272,728	$290,560	$50,146	$-17,832
2021	$229,080	$288,342	$65,998	$-59,262
2020	$278,977	$259,693	$118,834	$19,284
2019	$307,085	$262,435	$85,918	$44,650
2018	$233,831	$238,998	$41,268	$-5,167