431 MINISTRIES (EIN 830595768) - 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

2018

Legal Domicile

Principal Officer

RACHEL PECK

Phone

9314318363

Tax Period

2024-01-01 to 2024-12-31

431 MINISTRIES, founded in 2018, is a small nonprofit in the Human Services sector that reported $242K in total revenue in fiscal year 2024. Revenue fell 35% from the prior year — a significant decline worth monitoring. Expenses of $308K exceeded revenue, resulting in a 27% operating deficit.

Mission

SUPPORTING CHARITABLE AND EDUCATIONAL CAUSES

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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 (2024)

Revenue Breakdown

Contributions & Grants $235,205

Program Service Revenue $1,320

Investment Income $3,836

Other Revenue $1,673

TOTAL REVENUE $242,034

Expense Breakdown

Grants Paid $0

Salaries & Benefits $193,990

Fundraising Expenses $14,122

Program Expenses $151,049

Other Expenses $113,566

TOTAL EXPENSES $307,556

Year-over-Year Comparison

	2024	2023	Change
Revenue	$242,034	$369,655	-0.3%
Expenses	$307,556	$351,526	-0.1%
Net Income	$-65,522	$18,129	-4.6%

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

160

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

$70,137

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RACHEL PECK	PRESIDENT	40.00	Officer	$70,137	$0	$70,137
JUSTIN PECK	DIRECTOR	2.00	Officer	$0	$0	$0
JOSHUA KOLSTAD	DIRECTOR	2.00	Officer	$0	$0	$0
KIMBERLY KOLSTAD	DIRECTOR	2.00	Officer	$0	$0	$0
MIRANDA YODER	DIRECTOR	2.00	Officer	$0	$0	$0
JANIE BURNETT	SECRETARY	2.00	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
2024	$242,034	$307,556	$206,316	$-65,522
2023	$369,655	$351,526	$271,838	$18,129
2022	$433,357	$277,744	$253,709	$155,613

431 MINISTRIES