MUSTARD SEED MINISTRY (EIN 823588414) - 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

2020

Legal Domicile

Principal Officer

Cindy McLean

Phone

5417691010

Tax Period

2025-01-01 to 2025-12-31

MUSTARD SEED MINISTRY, founded in 2020, is a small nonprofit in the Religion sector that reported $570K in total revenue in fiscal year 2025. Revenue surged 24% from the prior year, signaling strong growth momentum. Expenses of $511K left a modest 10% surplus.

Mission

Encourage and empower the whole body of Christ all the while we are positively impacting the seven mountains of influence in our region and world.

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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 $324,914

Program Service Revenue $235,855

Investment Income $9,434

Other Revenue $0

TOTAL REVENUE $570,203

Expense Breakdown

Grants Paid $7,100

Salaries & Benefits $339,122

Fundraising Expenses $892

Program Expenses $338,788

Other Expenses $165,076

TOTAL EXPENSES $511,298

Year-over-Year Comparison

	2025	2024	Change
Revenue	$570,203	$460,116	+0.2%
Expenses	$511,298	$459,904	+0.1%
Net Income	$58,905	$212	+276.9%

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

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

$42,011

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Cindy McLean	President	40	Officer	$27,611	$14,400	$42,011
Bryan McLean	Vice President	10	Officer	$0	$0	$0
Cathy Ruggles	Secretary/Tresurer	5	Officer	$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	$570,203	$511,298	$692,832	$58,905
2024	No data	No data	No data	No data
2023	$452,440	$442,389	$655,637	$10,051
2022	$386,695	$417,195	$689,497	$-30,500
2021	$308,412	$285,082	$730,573	$23,330

MUSTARD SEED MINISTRY