LOVE REALITY 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

Formation Year

2019

Legal Domicile

Principal Officer

ANNABELLE HARPER

Phone

9788474351

Tax Period

2025-01-01 to 2025-12-31

LOVE REALITY INC, founded in 2019, is a small nonprofit in the Religion sector that reported $130K in total revenue in fiscal year 2025. Revenue fell 30% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $22K, a strong 17% operating margin.

Mission

TO EDUCATE AND EQUIP ATTENDEES WHO ARE MENTORED TO BECOME DISCIPLEMAKERS AND SPEAKERS IN A SCALABLE MANNER TO SHARE THE MESSAGE OF JESUS CHRIST IN NEUTRAL VENUES.

Program Service Accomplishments

Program 1

LOVE REALITY CONTINUED ITS MISSION OF FOSTERING COMMUNITY, SPIRITUAL FORMATION, AND PERSONAL GROWTH THROUGH GATHERINGS, EDUCATIONAL CONTENT, AND COLLABORATIVE INITIATIVES THROUGHOUT THE YEAR. THE...

LOVE REALITY CONTINUED ITS MISSION OF FOSTERING COMMUNITY, SPIRITUAL FORMATION, AND PERSONAL GROWTH THROUGH GATHERINGS, EDUCATIONAL CONTENT, AND COLLABORATIVE INITIATIVES THROUGHOUT THE YEAR. THE ORGANIZATION FACILITATED IN-PERSON AND ONLINE OPPORTUNITIES FOR PARTICIPANTS TO ENGAGE IN TEACHING, DISCUSSION, AND COMMUNITY BUILDING. THESE ACTIVITIES WERE DESIGNED TO ENCOURAGE THOUGHTFUL DIALOGUE, DEEPEN UNDERSTANDING, AND STRENGTHEN RELATIONSHIPS AMONG PARTICIPANTS SEEKING TO EXPLORE FAITH, PERSONAL DEVELOPMENT, AND SHARED VALUES.

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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 $116,178

Program Service Revenue $0

Investment Income $13,513

Other Revenue $0

TOTAL REVENUE $129,691

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $56,744

Other Expenses $108,013

TOTAL EXPENSES $108,013

Year-over-Year Comparison

	2025	2024	Change
Revenue	$129,691	$185,971	-0.3%
Expenses	$108,013	$218,602	-0.5%
Net Income	$21,678	$-32,631	-1.7%

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

$92,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD YOUNG	CCO	30.00	Officer	$35,400	$0	$35,400
JUSTIN KHOE	CMO	30.00	Officer	$29,700	$0	$29,700
EDDIE CORNEJO	EA	20.00	Officer	$16,900	$0	$16,900
JONATHAN LEONARDO	CEO	30.00	Officer	$10,500	$0	$10,500
ANNABELLE HARPER	SECRETARY /T	5.00	Officer Director	$0	$0	$0
TYLER MORRISON	CHAIR	N/A	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	$129,691	$108,013	$118,782	$21,678
2024	$185,971	$218,602	$97,104	$-32,631
2023	$238,902	$221,852	$129,735	$17,050
2022	$184,747	$172,926	$112,685	$11,821
2021	$183,448	$137,714	$100,864	$45,734
2020	$82,237	$79,308	$55,130	$2,929