Zephyr Baptist Encampment (EIN 746064255) - 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

1957

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

Zephyr Baptist Encampment, founded in 1957, is a community nonprofit that reported $3.2M in total revenue in fiscal year 2023. Revenue surged 27% from the prior year, signaling strong growth momentum. Expenses of $3.0M left a modest 7% surplus.

Mission

Camp Zephyrs mission is to provide a distraction-free environment where people encounter Christ by providing well-maintained facilities, quality meals, and a friendly atmosphere.

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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 (2023)

Revenue Breakdown

Contributions & Grants $394,335

Program Service Revenue $2,569,530

Investment Income $0

Other Revenue $228,699

TOTAL REVENUE $3,192,564

Expense Breakdown

Grants Paid $0

Salaries & Benefits $893,346

Fundraising Expenses $3,647

Program Expenses $2,555,189

Other Expenses $2,075,463

TOTAL EXPENSES $2,968,809

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,192,564	$2,511,482	+0.3%
Expenses	$2,968,809	$2,378,844	+0.2%
Net Income	$223,755	$132,638	+0.7%

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

Independent Members

Employees

Volunteers

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

$107,399

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Stuart Lutz	Executive Director - Treasure	40.00	Officer	$107,399	$0	$107,399
Andrew Leal	Trustee	0.00	Director	$0	$0	$0
David Hadden	Trustee	0.00	Director	$0	$0	$0
Tiffany Fader	Trustee	0.00	Director	$0	$0	$0
John Huffman	Trustee	0.00	Director	$0	$0	$0
Levi Holder	Trustee	0.00	Director	$0	$0	$0
Marcy Boatman	Trustee - Secretary	0.00	Officer Director	$0	$0	$0
Roland Contreras	Trustee - Vice President	0.00	Officer Director	$0	$0	$0
Robert Marshall	Trustee - President	0.00	Officer 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
2024	No data	No data	No data	No data
2023	$3,192,564	$2,968,809	$10,315,605	$223,755
2022	$2,511,490	$2,378,844	$10,097,294	$132,646

Zephyr Baptist Encampment