JOAN MURRAY MINISTRIES (EIN 870795850) - 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

1999

Legal Domicile

Principal Officer

JOAN MURRAY

Phone

2813982501

Tax Period

2025-01-01 to 2025-12-31

JOAN MURRAY MINISTRIES, founded in 1999, is a small nonprofit in the Religion sector that reported $476K in total revenue in fiscal year 2025. Revenue surged 41% from the prior year, signaling strong growth momentum. Expenses of $566K exceeded revenue, resulting in a 19% operating deficit.

Mission

JMM is a teaching ministry that utilizes the power, truth and principles of God s Word to minister to the spiritual, emotional and physical needs of persons seeking to discover God.

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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 $475,527

Program Service Revenue $424

Investment Income $0

Other Revenue $0

TOTAL REVENUE $475,951

Expense Breakdown

Grants Paid $0

Salaries & Benefits $152,750

Fundraising Expenses $413,437

Program Expenses $566,187

Other Expenses $413,437

TOTAL EXPENSES $566,187

Year-over-Year Comparison

	2025	2024	Change
Revenue	$475,951	$336,986	+0.4%
Expenses	$566,187	$316,185	+0.8%
Net Income	$-90,236	$20,801	-5.3%

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

$48,350

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOAN MURRAY	FOUNDER PRESIDENT	40	Director	$48,350	$0	$48,350
ZENOLA TENNESSEE	DIRECTOR	5	Director	$0	$0	$0
LETI NAVA	DIRECTOR	5	Director	$0	$0	$0
LINDA KEELING	SECRETARY	5	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	$475,951	$566,187	$452,485	$-90,236
2024	$336,986	$316,185	$542,527	$20,801
2023	$551,337	$404,223	$658,979	$147,114
2022	$518,515	$338,757	$383,400	$179,758
2021	$509,638	$451,210	$270,260	$58,428
2020	$485,824	$346,609	$210,082	$139,215
2019	$183,177	$177,996	$70,716	$5,181
2018	$204,302	$174,680	$65,535	$29,622

JOAN MURRAY MINISTRIES