PB&J CHARITIES 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

Phone

7149497963

Tax Period

2025-01-01 to 2025-12-31

PB&J CHARITIES INC, founded in 2021, is a micro nonprofit in the Community Improvement sector that reported $25K in total revenue in fiscal year 2025. The organization ran a surplus of $6K, a strong 23% operating margin.

Mission

The goal is to help local ministries and ministry-focused businesses, especially focused on those in poor and undeveloped areas, start and become financially independent so they in turn can be a light and inspire growth and sustainability in their community.

Program Service Accomplishments

Program 1

Expenses: $19,492

The organization is organized and operated exclusively for charitable and religious purposes, including supporting ministries and community outreach programs both domestically and internationally...

The organization is organized and operated exclusively for charitable and religious purposes, including supporting ministries and community outreach programs both domestically and internationally. The organization provides financial and operational support to a local church plant in Orange County focused on improving the well-being of the surrounding community; supports a pastor and ministry school director in El Salvador engaged in religious education and leadership development; assists a rehabilitation center in Moshi, Tanzania that provides care and support services to individuals in need; and supports a family-based outreach ministry in Cyprus dedicated to serving and improving the lives of underprivileged individuals and families in their local 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 $25,291

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $25,291

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $19,492

Other Expenses $19,492

TOTAL EXPENSES $19,492

Year-over-Year Comparison

	2025	2024	Change
Revenue	$25,291	N/A	N/A
Expenses	$19,492	N/A	N/A
Net Income	$5,799	N/A	N/A

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
STEPHEN LORENZ	PRESIDENT	0.50	Officer	$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	$25,291	$19,492	$18,191	$5,799
2024	$32,460	$32,729	$12,392	$-269
2023	$49,444	$48,783	$6,662	$661
2021	$1,582,480	No data	$1,582,480	No data