SEVENTH DAY BAPTIST DEEP SOUTH CAMP AND RETREAT CENTER INC (EIN 922363844) - 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

2023

Legal Domicile

Principal Officer

Michael Spearl

Phone

9544781719

Tax Period

2025-01-01 to 2025-12-31

SEVENTH DAY BAPTIST DEEP SOUTH CAMP AND RETREAT CENTER INC, founded in 2023, is a micro nonprofit in the Religion sector that reported $14K in total revenue in fiscal year 2025. Revenue fell 94% from the prior year — a significant decline worth monitoring. Expenses of $31K exceeded revenue, resulting in a 126% operating deficit.

Mission

To provide a Christian camping and retreat facility for spiritual growth education and recreation by providing a fun natural environment to foster an enriched personal relationship with God through Jesus Christ.

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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 $12,000

Program Service Revenue $1,527

Investment Income $0

Other Revenue $0

TOTAL REVENUE $13,527

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $29,441

Other Expenses $30,632

TOTAL EXPENSES $30,632

Year-over-Year Comparison

	2025	2024	Change
Revenue	$13,527	$244,203	-0.9%
Expenses	$30,632	$18,225	+0.7%
Net Income	$-17,105	$225,978	-1.1%

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

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
Michael Spearl	President	10.00	Officer	$0	$0	$0
Lauren Kinlocke	Treasurer	15.00	Officer	$0	$0	$0
Dayna Fuller	Secretary	10.00	Officer	$0	$0	$0
Joyvis Henderson	Assistant Secretary	5.00	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	$13,527	$30,632	$912,841	$-17,105
2024	$244,203	$18,225	$1,020,546	$225,978
2023	No data	No data	$784,361	No data

SEVENTH DAY BAPTIST DEEP SOUTH CAMP AND RETREAT CENTER INC