ST JOHN ENDOWMENT TRUST FUND 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

2021

Legal Domicile

Principal Officer

DOUG CERALDI

Phone

4198986474

Tax Period

2025-01-01 to 2025-12-31

ST JOHN ENDOWMENT TRUST FUND INC, founded in 2021, is a small nonprofit in the Religion sector that reported $284K in total revenue in fiscal year 2025. Revenue surged 857% from the prior year, signaling strong growth momentum. The organization ran a surplus of $220K, a strong 77% operating margin.

Mission

TO MANAGE THE ENDOWMENT OF ST. JOHN LUTHERAN CHURCH OF OAK HARBOR, OHIO, AND MAKE DISTRIBUTIONS SUPPORTING THE MISSIONS AND MINISTRY OF THE CHURCH.

Program Service Accomplishments

Program 1

Expenses: $60,000

THE FUND MADE A COMMITTMENT TO DISTRIBUTE APPROXIMATELY 6% OF ITS YEAR END NET VALUE (DISTRIBUTION MADE EARLY EACH YEAR), ONE HALF TO MISSIONS WITHIN ST. JOHN LUTHERAN CHURCH OF OAK HARBOR, OHIO AND THE OTHER ONE HALF TO SUPPORT MISSIONS AND MINISTRIES OF THE EVANGELICAL LUTHERAN CHURCH OF AMERICA AND THE GREATER OAK HARBOR, OHIO COMMUNITY.

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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 $122,847

Program Service Revenue $0

Investment Income $161,305

Other Revenue $0

TOTAL REVENUE $284,152

Expense Breakdown

Grants Paid $60,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $60,000

Other Expenses $4,070

TOTAL EXPENSES $64,070

Year-over-Year Comparison

	2025	2024	Change
Revenue	$284,152	$29,689	+8.6%
Expenses	$64,070	$48,852	+0.3%
Net Income	$220,082	$-19,163	-12.5%

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
DOUG CERALDI	PRESIDENT	5.00	Officer Director	$0	$0	$0
SUZETTE CROLL	DIRECTOR	1.00	Director	$0	$0	$0
TIMOTHY KONIECZNY	TREASURER	5.00	Officer Director	$0	$0	$0
AARON MOORE	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
RANDY PATRICK	SECRETARY	2.00	Officer Director	$0	$0	$0
CLARK PRICE	DIRECTOR	5.00	Director	$0	$0	$0
MIKE SHADOAN	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	$284,152	$64,070	$1,168,525	$220,082
2024	No data	No data	No data	No data
2023	$-39,687	$50,471	$893,956	$-90,158
2022	$-10,637	$65,991	$813,298	$-76,628
2021	$1,012,946	No data	$1,012,946	No data