FULL ARMOR MINISTRIES INC (EIN 873916613) - 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

2021

Legal Domicile

Principal Officer

PAT GARIBAY

Phone

3212477761

Tax Period

2023-07-01 to 2024-06-30

FULL ARMOR MINISTRIES INC, founded in 2021, is a small nonprofit in the Youth Development sector that reported $105K in total revenue in fiscal year 2023. Revenue fell 94% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $46K, a strong 44% operating margin.

Mission

FULL ARMOR MINISTRIES, INC. EXISTS TO SUPPORT THE ACTIVITIES OF TRAIL LIFE.

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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 (2023)

Revenue Breakdown

Contributions & Grants $57,000

Program Service Revenue $48,000

Investment Income $35

Other Revenue $0

TOTAL REVENUE $105,035

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $57,158

Other Expenses $59,194

TOTAL EXPENSES $59,194

Year-over-Year Comparison

	2023	2022	Change
Revenue	$105,035	$1,633,651	-0.9%
Expenses	$59,194	$41,660	+0.4%
Net Income	$45,841	$1,591,991	-1.0%

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

$199,038

Total Directors

$199,038

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAT GARIBAY	PRESIDENT	0.10	Officer Director	$0	$0	$0
MARK HANCOCK	VICE PRESIDE	0.10	Officer Director	$0	$10,039	$199,038
SHAWN KUHN	TREASURER	0.10	Officer Director	$0	$0	$0
DAN FORD	DIRECTOR	0.10	Director	$0	$0	$0
JEFFREY HUDSON	SECRETARY	0.10	Director	$0	$0	$0
DALE FENWICK	DIRECTOR	0.10	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	No data	No data	No data	No data
2024	$105,035	$59,194	$1,637,832	$45,841
2023	$1,633,651	$41,660	$1,591,991	$1,591,991

FULL ARMOR MINISTRIES INC