Hawaii Pacific Bible Institute (EIN 843986551) - 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

2019

Legal Domicile

Tax Period

2025-01-01 to 2025-12-31

Hawaii Pacific Bible Institute, founded in 2019, is a micro nonprofit that reported $2K in total revenue in fiscal year 2025. Revenue fell 77% from the prior year — a significant decline worth monitoring. Expenses of $3K exceeded revenue, resulting in a 44% operating deficit.

Mission

Organizing, Supporting, Coordinating, and Equipping: Short and Long-Term Missions; Church Planting Programs and Projects, and various other Religious Education Activities

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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 $1,866

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,866

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,426

Other Expenses $2,692

TOTAL EXPENSES $2,692

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,866	$8,200	-0.8%
Expenses	$2,692	$26,873	-0.9%
Net Income	$-826	$-18,673	-1.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
Matthew Harbour	President	Officer	$0	$0	$0
David Riddarskjold	Board Member	Officer	$0	$0	$0
Brian Schwartz	Secretary Treasurer	Officer	$0	$0	$0
Tony Foster	Board Member	Officer	$0	$0	$0
Trevor Owen	Board Member	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	$1,866	$2,692	No data	$-826
2024	$8,200	$26,873	$1,602	$-18,673
2023	$59,196	$76,381	$20,274	$-17,185
2022	$37,827	$51,488	$37,459	$-13,661
2021	$63,105	$34,374	$51,120	$28,731

Hawaii Pacific Bible Institute