MARRIED4LIFE MINISTRIES

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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

2017

Legal Domicile

Principal Officer

DAVID SMITH

Phone

9702615910

Tax Period

2022-01-01 to 2022-12-31

MARRIED4LIFE MINISTRIES, founded in 2017, is a micro nonprofit in the Religion sector that reported $7K in total revenue in fiscal year 2022. Revenue fell 51% from the prior year — a significant decline worth monitoring. Expenses of $32K exceeded revenue, resulting in a 386% operating deficit.

Mission

WITH SOUND BIBLICAL TEACHING, LOVING RELATIONSHIPS, AND SPIRITUAL ACCOUNTABILITY PARTNERS MARRIED4LIFE MINISTRIES WILL 1)RESTORE BROKEN AND HURTING MARRIAGES TO THE GLORY THAT GOD DESIGNED THEM TO BE 2)EQUIP RESTORED MARRIAGES WITH THE TOOLS THEY NEED TO FIGHT OFF THE ATTACKS OF SATAN IN THEIR RELATIONSHIPS 3)STRENGTHEN MARRIAGES THROUGH GODLY RELATIONSHIPS AND ACCOUNTABILITY PARTNERS

Program Service Accomplishments

Program 1

Expenses: $28,375

PROVIDED CHRISTIAN COUNSELING, SEMINARS, PUBLICATIONS, CLASSES, MINISTRIES FOR THE PREPARATION, STRENGTHENING AND SUCCESS OF MARRIED COUPLES ON AN ONGOING BASIS

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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 (2022)

Revenue Breakdown

Contributions & Grants $6,550

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $6,550

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $28,375

Other Expenses $31,825

TOTAL EXPENSES $31,825

Year-over-Year Comparison

	2022	2021	Change
Revenue	$6,550	$13,400	-0.5%
Expenses	$31,825	$27,330	+0.2%
Net Income	$-25,275	$-13,930	+0.8%

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

N/A

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
DAVID SMITH	PRESIDENT	10.00	Officer Director	$0	$0	$0
TRACY SMITH	TREASURER	10.00	Officer Director	$0	$0	$0
NATHAN TOMLINSON	TRUSTEE	2.00	Director	$0	$0	$0
AMANDA TOMLINSON	SECRETARY	2.00	Officer Director	$0	$0	$0
JOSHUA UMBERGER	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
MICHELLE UMBERGER	TRUSTEE	2.00	Director	$0	$0	$0
SEAN CROCKER	TRUSTEE	2.00	Director	$0	$0	$0
ILA CROCKER	TRUSTEE	2.00	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
2022	$6,550	$31,825	$431,315	$-25,275
2021	$13,400	$27,330	$456,590	$-13,930
2020	$13,750	$31,275	$470,520	$-17,525
2019	$57,059	$17,308	$488,045	$39,751
2018	$1,141	$26,576	$448,294	$-25,435
2017	$475,101	$1,372	$473,729	$473,729