MARBLE RETREAT (EIN 846110679) - 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

1974

Legal Domicile

Principal Officer

KARI MACKENZIE

Phone

9709632499

Tax Period

2024-10-01 to 2025-09-30

MARBLE RETREAT, founded in 1974, is a small nonprofit that reported $622K in total revenue in fiscal year 2024. Revenue decreased 18% compared to the prior year. Expenses of $768K exceeded revenue, resulting in a 23% operating deficit.

Mission

THE ADVANCEMENT OF RELIGION BY TRAINING MINISTERS AND LAITY OF THE CHRISTIAN FAITH OF ALL DENOMINATIONS IN THE PRINCIPLES OF GOOD MENTAL HEALTH.

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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 (2024)

Revenue Breakdown

Contributions & Grants $246,932

Program Service Revenue $352,156

Investment Income $16,198

Other Revenue $7,204

TOTAL REVENUE $622,490

Expense Breakdown

Grants Paid $114,965

Salaries & Benefits $285,031

Fundraising Expenses $30,539

Program Expenses $627,684

Other Expenses $367,745

TOTAL EXPENSES $767,741

Year-over-Year Comparison

	2024	2023	Change
Revenue	$622,490	$761,225	-0.2%
Expenses	$767,741	$637,759	+0.2%
Net Income	$-145,251	$123,466	-2.2%

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

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

$86,828

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KARI MACKENZIE	EXECUTIVE DI	40.00	Officer	$60,000	$26,828	$86,828
LARRY DUPPER	PRESIDENT	2.00	Officer Director	$0	$0	$0
LARRY DEARING	TREASURER	2.00	Officer Director	$0	$0	$0
MARK MCDOWELL	SECRETARY	2.00	Officer Director	$0	$0	$0
DAVE CARDER	DIRECTOR	1.00	Director	$0	$0	$0
TIM HAUGEN	DIRECTOR	1.00	Director	$0	$0	$0
KINA MALLARD	DIRECTOR	1.00	Director	$0	$0	$0
BRENT MCBURNEY	DIRECTOR	1.00	Director	$0	$0	$0
ANDREA MEADOR	DIRECTOR	1.00	Director	$0	$0	$0
TREY MORRIS	DIRECTOR	1.00	Director	$0	$0	$0
BERT POPE	DIRECTOR	1.00	Director	$0	$0	$0
JON STOVALL	DIRECTOR	1.00	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	$622,490	$767,741	$616,712	$-145,251
2024	$761,225	$637,759	$833,759	$123,466
2023	$544,480	$588,684	$750,044	$-44,204
2022	$763,610	$515,599	$654,734	$248,011
2021	$514,172	$409,631	$391,058	$104,541
2020	$387,213	$385,851	$280,816	$1,362
2019	$386,537	$394,733	$240,259	$-8,196
2018	$515,663	$420,876	$254,827	$94,787

MARBLE RETREAT