431 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

2018

Legal Domicile

Principal Officer

Rachel Peck

Phone

9314318363

Tax Period

2025-01-01 to 2025-12-31

431 Ministries, founded in 2018, is a small nonprofit in the Human Services sector that reported $241K in total revenue in fiscal year 2025. Expenses of $291K exceeded revenue, resulting in a 21% operating deficit.

Mission

To serve women who have been through hardships offering opportunities to find hope and develop a plan for an independent future.

Program Service Accomplishments

Program 1

Expenses: $155,228 Revenue: $0

Supporting charitable and educational purposes which will include distributions in furtherance of such purposes.

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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 $235,600

Program Service Revenue $611

Investment Income $4,424

Other Revenue $764

TOTAL REVENUE $241,399

Expense Breakdown

Grants Paid $0

Salaries & Benefits $200,904

Fundraising Expenses $70,727

Program Expenses $155,228

Other Expenses $90,015

TOTAL EXPENSES $290,919

Year-over-Year Comparison

	2025	2024	Change
Revenue	$241,399	$242,034	0.0%
Expenses	$290,919	$307,556	-0.1%
Net Income	$-49,520	$-65,522	-0.2%

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

312

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	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
2025	$241,399	$290,919	$156,056	$-49,520
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