ARBO MINISTRIES (EIN 751763185) - 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

1984

Legal Domicile

Principal Officer

STEPHEN ARBO

Phone

8002762726

Tax Period

2025-01-01 to 2025-12-31

ARBO MINISTRIES, founded in 1984, is a small nonprofit that reported $100K in total revenue in fiscal year 2025. Revenue fell 32% from the prior year — a significant decline worth monitoring. Expenses of $154K exceeded revenue, resulting in a 53% operating deficit.

Mission

PREACHING THE GOSPEL OF THE LORD JESUS CHRIST AND TRAINING/EDUCATING CHRISTIANS IN THE WORK OF GOD.

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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 $88,953

Program Service Revenue $0

Investment Income $0

Other Revenue $11,271

TOTAL REVENUE $100,224

Expense Breakdown

Grants Paid $4,390

Salaries & Benefits $63,358

Fundraising Expenses $0

Program Expenses $105,657

Other Expenses $86,043

TOTAL EXPENSES $153,791

Year-over-Year Comparison

	2025	2024	Change
Revenue	$100,224	$148,450	-0.3%
Expenses	$153,791	$200,346	-0.2%
Net Income	$-53,567	$-51,896	+0.0%

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

$59,518

Total Directors

$59,518

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHEN ARBO	PRESIDENT TREASURER	052.00	Officer Director	$24,300	$5,459	$29,759
BARBARA ARBO	VICE PRESIDENT SECRETARY	052.00	Officer Director	$24,300	$5,459	$29,759
JEFF SWAN	BOARD MEMBER	005.00	Director	$0	$0	$0
MARVA SWAN	BOARD MEMBER	005.00	Director	$0	$0	$0
GIGI PRINDIVILLE	BOARD MEMBER	005.00		$0	$0	$0
JAYCE TOHLINE	BOARD MEMBER	005.00	Director	$0	$0	$0
DIANE TOHLINE	BOARD MEMBER	005.00	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	$100,224	$153,791	$501,797	$-53,567
2024	$148,450	$200,346	$532,939	$-51,896
2023	$150,190	$189,902	$599,636	$-39,712
2022	$220,939	$200,563	$629,754	$20,376
2021	$144,176	$163,715	$609,348	$-19,539
2020	$169,019	$155,674	$626,498	$13,345
2019	$349,411	$198,017	$612,649	$151,394
2018	$239,658	$193,897	$748,449	$45,761

ARBO MINISTRIES