CROSS CULTURE MINISTRIES INC

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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

Legal Domicile

Principal Officer

BRADFORD RICHARDSON

Tax Period

2025-01-01 to 2025-12-31

CROSS CULTURE MINISTRIES INC is a micro nonprofit in the Religion sector that reported $93K in total revenue in fiscal year 2025. Revenue surged 33% from the prior year, signaling strong growth momentum.

Mission

WE EXIST TO BRING COMFORT AND ENCOURAGEMENT TO THE SUFFERING THROUGH THE GIFT OF MUSIC. WE DO THIS IN THREE WAYS: MUSIC FOR HEALING, MUSIC FOR OUTREACH AND MUSIC FOR THE NEXT GENERATION.

Program Service Accomplishments

Program 1

Expenses: $95,258

2025 GLOBAL IMPACT MUSIC FOR OUTREACH IN 4 COUNTRIES UNITED STATES, COLOMBIA, ECUADOR AND SIERRA LEONE MUSIC FOR HEALING OVER 5,500 RECIPIENTS MUSIC FOR OUTREACH OVER 15,000 RECIPIENTS MUSIC FOR THE NEXT GENERATION GAVE AWAY 75 INSTRUMENTS 21,000 RECIPIENTS TOTAL IMPACTED BY MERCY MUSIC INTERNATIONAL IMPACT.

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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 $92,793

Program Service Revenue $49

Investment Income $1

Other Revenue $0

TOTAL REVENUE $92,843

Expense Breakdown

Grants Paid $250

Salaries & Benefits $44,734

Fundraising Expenses $38

Program Expenses $95,258

Other Expenses $52,314

TOTAL EXPENSES $97,298

Year-over-Year Comparison

	2025	2024	Change
Revenue	$92,843	$69,562	+0.3%
Expenses	$97,298	$57,801	+0.7%
Net Income	$-4,455	$11,761	-1.4%

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

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

$29,430

Total Directors

$15,304

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRADFORD RICHARDSON	CHAIRMAN/PRE	30.00	Officer	$29,430	$0	$29,430
CHRIS LANG	PRESIDENT	20.00	Director	$15,304	$0	$15,304
RICK GREEN	SECRETARY/TR	10.00	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	$92,843	$97,298	$23,504	$-4,455
2024	No data	No data	No data	No data
2023	$42,911	$49,273	$16,198	$-6,362
2022	$57,502	$43,750	$22,560	$13,752
2021	$37,192	$33,683	$8,808	$3,509
2020	$32,993	$35,105	$5,299	$-2,112
2019	$36,919	$36,617	$7,411	$302
2018	$48,372	$48,171	$7,109	$201