SECOND CHANCE CHURCH

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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

2018

Legal Domicile

Tax Period

2021-01-01 to 2021-12-31

SECOND CHANCE CHURCH, founded in 2018, is a small nonprofit in the Religion sector that reported $231K in total revenue in fiscal year 2021. Expenses of $266K exceeded revenue, resulting in a 15% operating deficit.

Mission

A religious organization providing a safe place for the community to meet and worship several times per week.

Program Service Accomplishments

Program 1

Expenses: $20,201 Revenue: $0

Provide weekly services for community healing spiritual growth and family harmony.

Program 2

Expenses: $3,635 Revenue: $0

PROVIDE FOOD GRANTS FOR OVER 7,000 COMMUNITY FAMILIES PER MONTH

Program 3

Expenses: $0 Revenue: $0

Provide separate monthly meetings for women and men to gather for community events and to enrich and empower all to be good citizens.

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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 (2021)

Revenue Breakdown

Contributions & Grants $230,951

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $230,951

Expense Breakdown

Grants Paid $0

Salaries & Benefits $20,201

Fundraising Expenses $0

Program Expenses $23,836

Other Expenses $245,967

TOTAL EXPENSES $266,168

Year-over-Year Comparison

	2021	2020	Change
Revenue	$230,951	N/A	N/A
Expenses	$266,168	N/A	N/A
Net Income	$-35,217	$0	N/A

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

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

$12,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BICKRAM SINGH	PASTOR	30.00	Officer	$12,000	$0	$12,000
KEVIN PARASRAM	ELDER	12.00	Officer	$0	$0	$0
HARDAT WILLIAM	TREASURER	12.00	Officer	$0	$0	$0
MELISSA YUSAF	ELDER	12.00	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
2021	$230,951	$266,168	$88,849	$-35,217