FIRST REFORMED CHURCH TERCENTENARY

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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

CATHERINE LEWIS

Phone

5183772201

Tax Period

2025-01-01 to 2025-12-31

FIRST REFORMED CHURCH TERCENTENARY, founded in 1999, is a micro nonprofit that reported $50K in total revenue in fiscal year 2025. Revenue surged 269% from the prior year, signaling strong growth momentum. Expenses of $108K exceeded revenue, resulting in a 116% operating deficit.

Mission

THE PURPOSE OF THE FUND IS TO PROMOTE THE DEVELOPMENT OF CHRISTIAN LEADERSHIP IN, BY WAY OF EXAMPLE AND NOT LIMITATION, THE MINISTRY, CHRISTAIN EDUCATION, MUSIC AND THE ARTS. THE FINANICAL ASSISTANCE TO BE PROVIDED HEREUNDER WOULD BE FOR ACTIVITIES WHICH ARE BEYOND THE ORDINARY RESPONSIBILTIES OF THE CURCH ORGANIZATION, SUCH AS, AGAIN BY WAY OF EXAMPLE, EXCHANGE MINISTRIES, INTERNSHIPS, SPEICAL STUDIES AND OTHER BROADENING EXPERIENCES FOR PROFESIONAL PERSONNEL.

Program Service Accomplishments

Program 1

Expenses: $100,000

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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 $0

Investment Income $49,965

Other Revenue $0

TOTAL REVENUE $49,965

Expense Breakdown

Grants Paid $100,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $100,000

Other Expenses $7,680

TOTAL EXPENSES $107,680

Year-over-Year Comparison

	2025	2024	Change
Revenue	$49,965	$13,544	+2.7%
Expenses	$107,680	$7,166	+14.0%
Net Income	$-57,715	$6,378	-10.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CATHERINE LEWIS	TREASURER	1.00	Officer Director	$0	$0	$0
DAVID HJELMAR	BOARD MEMBER	1.00	Director	$0	$0	$0
VICKI MCGOWAN-HORAN	BOARD MEMBER	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	$49,965	$107,680	$543,947	$-57,715
2024	No data	No data	No data	No data
2023	$3,386	$6,463	$537,610	$-3,077
2022	$-4,945	$8,454	$470,920	$-13,399
2021	$103,571	$8,195	$574,836	$95,376
2020	$-47,982	$9,947	$485,495	$-57,929