434 MINISTRIES INC (EIN 811823443) - 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

2016

Legal Domicile

Principal Officer

MICHAEL KURZ

Phone

8122255566

Tax Period

2020-01-01 to 2020-12-31

434 MINISTRIES INC, founded in 2016, is a micro nonprofit in the Housing & Shelter sector that reported $67K in total revenue in fiscal year 2020. Revenue fell 38% from the prior year — a significant decline worth monitoring. Net assets of $220K represent 40 months of operating reserves.

Mission

TO OFFER RESOURCES THAT PREVENT AND END HOMELESSNESS IN AND AROUND HARRISON COUNTY, INDIANA

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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 (2020)

Revenue Breakdown

Contributions & Grants $55,981

Program Service Revenue $1,440

Investment Income $9,387

Other Revenue $0

TOTAL REVENUE $66,808

Expense Breakdown

Grants Paid $1,375

Salaries & Benefits $33,537

Fundraising Expenses $2,155

Program Expenses $62,461

Other Expenses $32,354

TOTAL EXPENSES $67,266

Year-over-Year Comparison

	2020	2019	Change
Revenue	$66,808	$108,197	-0.4%
Expenses	$67,266	$112,197	-0.4%
Net Income	$-458	$-4,000	-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

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

$31,154

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL KURZ	CHAIR OF DIRECTORS	15.00	Officer Director	$0	$0	$0
JILL TIMBERLAKE	VICE-CHAIR OF DIRECTORS	5.00	Officer Director	$0	$0	$0
DENNIS KAUFMAN	TREASURER & DIRECTOR	15.00	Officer Director	$0	$0	$0
BETTY SIEBERNS	SECRETARY & DIRECTOR	24.00	Officer Director	$0	$0	$0
THERESA WHITLOW	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL PRYOR	FACILITY COORDINATOR	40.00	Key Emp	$31,154	$0	$31,154

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
2020	$66,808	$67,266	$221,956	$-458
2019	$108,197	$112,197	$365,803	$-4,000
2018	$263,129	$64,406	$224,370	$198,723

434 MINISTRIES INC