STEPPING STONES FOR LIFE INC (EIN 752447336) - 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

1991

Legal Domicile

Principal Officer

Rev Jeff Nyberg PhD

Phone

9725481300

Tax Period

2025-01-01 to 2025-12-31

STEPPING STONES FOR LIFE INC, founded in 1991, is a small nonprofit in the Religion sector that reported $210K in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $155K, a strong 74% operating margin.

Mission

Reaching the North Texas area and the world for Christ by planting churches that will lead people to become fully devoted followers of Jesus Christ. We accomplish this through church planting starting and assisting new churches; evangelism sharing Christ with others; and pastoral training providing training to pastors of new church plants.

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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 $102,371

Program Service Revenue $0

Investment Income $107,586

Other Revenue $0

TOTAL REVENUE $209,957

Expense Breakdown

Grants Paid $54,800

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $54,800

Other Expenses $0

TOTAL EXPENSES $54,800

Year-over-Year Comparison

	2025	2024	Change
Revenue	$209,957	$182,604	+0.1%
Expenses	$54,800	$101,800	-0.5%
Net Income	$155,157	$80,804	+0.9%

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

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
Rev Jeff Nyberg	President-Trustee	10.00	Officer Director	$0	$0	$0
G Hobart Miller	Vice President-Treasurer-Trustee	2.00	Officer Director	$0	$0	$0
Angela Nyberg	Secretary-Trustee	1.00	Officer Director	$0	$0	$0
Ron Nyberg	Trustee	1.00	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	$209,957	$54,800	$2,468,578	$155,157
2024	No data	No data	No data	No data
2023	$142,060	$4,800	$2,232,617	$137,260
2022	$122,546	$52,500	$2,095,357	$70,046
2021	$114,682	$52,440	$2,025,311	$62,242
2020	$126,750	$4,200	$1,963,069	$122,550

STEPPING STONES FOR LIFE INC