FIRST CONGREGATIONAL CHURCH FUND (EIN 846131780) - 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

1976

Legal Domicile

Principal Officer

FIRST INTERSTATE BANK

Phone

8887914075

Tax Period

2024-07-01 to 2025-06-30

FIRST CONGREGATIONAL CHURCH FUND, founded in 1976, is a micro nonprofit that reported $59K in total revenue in fiscal year 2024. Revenue fell 54% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $23K, a strong 39% operating margin.

Mission

TO SUPPORT THE UNITED CHURCH OF CHRIST (LONGMONT, COLORADO).

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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 $0

Program Service Revenue $0

Investment Income $59,370

Other Revenue $0

TOTAL REVENUE $59,370

Expense Breakdown

Grants Paid $23,262

Salaries & Benefits $10,597

Fundraising Expenses $0

Program Expenses $23,262

Other Expenses $2,521

TOTAL EXPENSES $36,380

Year-over-Year Comparison

	2024	2023	Change
Revenue	$59,370	$129,108	-0.5%
Expenses	$36,380	$35,579	+0.0%
Net Income	$22,990	$93,529	-0.8%

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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
FIRST INTERSTATE BANK	TRUSTEE	N/A		$10,597	$0	$10,597

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	$59,370	$36,380	$833,105	$22,990
2024	$129,108	$35,579	$810,245	$93,529
2023	$14,872	$30,257	$717,038	$-15,385
2022	$46,746	$32,160	$732,423	$14,586
2021	$51,013	$25,387	$717,837	$25,626
2020	$30,295	$21,923	$692,211	$8,372
2019	$68,127	$20,715	$683,839	$47,412

FIRST CONGREGATIONAL CHURCH FUND