424 CHURCH (EIN 830986721) - 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

Tony Tubera

Phone

5595129030

Tax Period

2025-01-01 to 2025-12-31

424 CHURCH, founded in 2018, is a small nonprofit in the Religion sector that reported $322K in total revenue in fiscal year 2025. Revenue surged 49% from the prior year, signaling strong growth momentum. The organization ran a surplus of $99K, a strong 31% operating margin.

Mission

424 Church is a faith-based organization dedicated to advancing spiritual growth, community outreach, and holistic well-being. The church provides weekly worship services, biblical teaching, discipleship programs, outreach events, and support services for individuals and families. Programs focus on spiritual development, practical life guidance, and strengthening families through faith-centered engagement.

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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 $321,510

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $321,510

Expense Breakdown

Grants Paid $0

Salaries & Benefits $76,200

Fundraising Expenses $0

Program Expenses $222,723

Other Expenses $146,523

TOTAL EXPENSES $222,723

Year-over-Year Comparison

	2025	2024	Change
Revenue	$321,510	$215,596	+0.5%
Expenses	$222,723	$226,192	0.0%
Net Income	$98,787	$-10,596	-10.3%

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

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

$76,200

Total Directors

$76,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TONY TUBERA	PRESIDENT	40	Officer Director	$76,200	$0	$76,200
MICHELLE TUBERA	SECRETARY	10	Officer Director	$0	$0	$0
Veronica Placentia	TREASURER	12	Officer 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
2025	$321,510	$222,723	$125,952	$98,787
2024	$215,596	$226,192	$27,165	$-10,596
2023	$219,603	$181,842	$37,761	$37,761

424 CHURCH