INDEPENDENT BAPTIST ASSOCIATION OF BIBLICAL COUNSELORS INC (EIN 882603922) - 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

2022

Legal Domicile

Principal Officer

DEBORAH CARTMILL

Tax Period

2025-01-01 to 2025-12-31

INDEPENDENT BAPTIST ASSOCIATION OF BIBLICAL COUNSELORS INC, founded in 2022, is a micro nonprofit in the Religion sector that reported $30K in total revenue in fiscal year 2025. Revenue surged 37% from the prior year, signaling strong growth momentum. The organization ran a surplus of $5K, a strong 17% operating margin.

Mission

The purpose of IBABC is to help train and certify members of Independent Baptist Churches who will work through their local church to provide biblical counseling.

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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 $0

Program Service Revenue $29,500

Investment Income $0

Other Revenue $0

TOTAL REVENUE $29,500

Expense Breakdown

Grants Paid $0

Salaries & Benefits $15,725

Fundraising Expenses $0

Other Expenses $8,842

TOTAL EXPENSES $24,567

Year-over-Year Comparison

	2025	2024	Change
Revenue	$29,500	$21,599	+0.4%
Expenses	$24,567	$19,001	+0.3%
Net Income	$4,933	$2,598	+0.9%

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
RICK CARTER JR	PRESIDENT	001.00	Officer Director	$0	$0	$0
DAVE FRAUENHOFER	VICE PRESIDENT	001.00	Officer Director	$0	$0	$0
SARA WHITCOMB	SECRETARY	001.00	Officer Director	$0	$0	$0
DEBBY CARTMILL	TREASURER	001.00	Officer 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	$29,500	$24,567	$3,722	$4,933
2024	$21,599	$19,001	$3,689	$2,598
2023	$3,866	$2,775	$1,091	$1,091

INDEPENDENT BAPTIST ASSOCIATION OF BIBLICAL COUNSELORS INC