PAN AMERICAN MINISTRIES INC

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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

STEVEN SCHNEDLER

Phone

2106474614

Tax Period

2025-01-01 to 2025-12-31

PAN AMERICAN MINISTRIES INC, founded in 1989, is a micro nonprofit that reported $96K in total revenue in fiscal year 2025. Revenue fell 44% from the prior year — a significant decline worth monitoring.

Mission

REACHING OUT TO MEXICO AND CENTRAL AMERICA WITH THE GOSPEL OF JESUS CHRIST. TEACHING AND TRAINING UP MINISTERS FROM THE LOCAL CHURCHES THERE TO FURTHER REACH THEIR OWN CONTRIES WITH HOPE AND INSPIRATION. FINANCIAL SUPPORT FOR LOCAL PASTORS.

Program Service Accomplishments

Program 1

Expenses: $42,106 Revenue: $95,967

BEGINNING IN 1977 OVER 100 CHURCHES HAVE BEEN STARTED. A BIBLE TRAINING CENTER IN MANAGUA HAS BEEN PURCHASED TO FURTHER REACH THE PEOPLE IN NICARAGUA. PROVIDED VARIOUS SEMINARS AND TEACHING MATERIALS FOR EDIFICATION AND EDUCATION OF PASTORS AND BELIEVERS TO EQUIP THEM TO BE MORE EFFECTIVE IN MINISTRY TO OTHERS IN THEIR HOME COUNTRIES. ALSO PROPERTY HAS BEEN PURCHASED AND DONATED TO PAN AMERICAN MINISTRIES IN CAMAGUEY, CUBA FOR A BIBLE TRAINING CENTER AND MINISTRY HEADQUARTERS.

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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 $95,967

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $95,967

Expense Breakdown

Grants Paid $0

Salaries & Benefits $57,700

Fundraising Expenses $0

Program Expenses $42,106

Other Expenses $42,106

TOTAL EXPENSES $99,806

Year-over-Year Comparison

	2025	2024	Change
Revenue	$95,967	$171,512	-0.4%
Expenses	$99,806	$114,791	-0.1%
Net Income	$-3,839	$56,721	-1.1%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RON SHEPARD	BOARD OF DIRECTORS	10.00	Director	$0	$0	$0
SCOTT STANEK	BOARD OF DIRECTORS	10.00	Director	$0	$0	$0
LARRY W SCHNEDLER	VICE PRESIDENT	40.00	Officer	$0	$0	$0
ANNIS SCHNEDLER	SECRETARY TREASURER	40.00	Officer	$0	$0	$0
STEVEN SCHNEDLER	PRESIDENT	40.00	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	$95,967	$99,806	$98,285	$-3,839
2024	$171,512	$114,791	$102,006	$56,721
2023	$100,730	$116,843	$45,666	$-16,113
2022	$115,255	$118,944	$62,287	$-3,689
2021	$100,989	$100,710	$64,807	$279
2020	$90,073	$96,862	$65,668	$-6,789
2019	$109,518	$75,052	$80,718	$34,466
2018	$90,347	$82,970	$46,008	$7,377