BIBLE STUDIES BY MAIL (EIN 850334030) - 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

1985

Legal Domicile

Principal Officer

LEONARD RAMIREZ

Phone

5755259536

Tax Period

2025-01-01 to 2025-12-31

BIBLE STUDIES BY MAIL, founded in 1985, is a micro nonprofit in the Religion sector that reported $91K in total revenue in fiscal year 2025. Revenue decreased 11% compared to the prior year.

Mission

BIBLE STUDIES BY MAIL

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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 $90,062

Program Service Revenue $0

Investment Income $1,012

Other Revenue $0

TOTAL REVENUE $91,074

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $89,139

Other Expenses $94,188

TOTAL EXPENSES $94,188

Year-over-Year Comparison

	2025	2024	Change
Revenue	$91,074	$102,610	-0.1%
Expenses	$94,188	$111,595	-0.2%
Net Income	$-3,114	$-8,985	-0.7%

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

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
MARK BEACH	DIRECTOR AND	N/A	Director	$0	$0	$0
DAVID BEAM	DIRECTOR	N/A	Officer Director	$0	$0	$0
JEFF CEDAR	TREASURER	N/A	Director	$0	$0	$0
TIM FELLMAN	DIRECTOR	N/A	Director	$0	$0	$0
RALPH GUY	SECRETARY	N/A	Officer Director	$0	$0	$0
LEONARD RAMIREZ	PRESIDENT	N/A	Officer Director	$0	$0	$0
MIKE RUNDLE	DIRECTOR	N/A	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	$91,074	$94,188	$46,252	$-3,114
2024	$102,610	$111,595	$49,366	$-8,985
2023	$103,405	$100,796	$58,351	$2,609
2022	$82,511	$80,172	$55,742	$2,339
2021	$117,196	$83,289	$53,403	$33,907
2020	$84,829	$73,633	$19,496	$11,196
2019	$83,564	$82,907	$8,300	$657
2018	$81,906	$82,827	$7,643	$-921