INSIGHT FOR LIVING (EIN 953392299) - 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

1979

Legal Domicile

Principal Officer

CHARISSA SWINDOLL GAITHER

Phone

4695358300

Tax Period

2024-07-01 to 2025-06-30

INSIGHT FOR LIVING, founded in 1979, is a mid-sized nonprofit in the Religion sector that reported $18.8M in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year.

Mission

INSIGHT FOR LIVING - CHRISTIAN RADIO MINISTRY THAT TEACHES PRACTICAL APPLICATION OF THE BIBLE.

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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 (2024)

Revenue Breakdown

Contributions & Grants $17,627,622

Program Service Revenue $15,400

Investment Income $213,113

Other Revenue $952,057

TOTAL REVENUE $18,808,192

Expense Breakdown

Grants Paid $1,336,503

Salaries & Benefits $8,188,185

Fundraising Expenses $1,242,592

Program Expenses $15,864,939

Other Expenses $9,534,642

TOTAL EXPENSES $19,059,330

Year-over-Year Comparison

	2024	2023	Change
Revenue	$18,808,192	$19,942,106	-0.1%
Expenses	$19,059,330	$19,225,291	0.0%
Net Income	$-251,138	$716,815	-1.4%

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

118

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

$2,623,923

Total Directors

$669,622

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DR CHARLES R SWINDOLL	CHAIRMAN OF THE BOARD/CEO CO-FOUNDER	40.00	Officer Director	$191,269	$58,034	$249,303
TOM HAYES	EVP AND CHIEF INTERNATIONAL OFFICER	40.00	Officer Director	$87,031	$141,119	$228,150
WILLIAM GEMAEHLICH	EXEC. VP & COO	40.00	Officer	$185,918	$36,238	$222,156
BRYCE KLABUNDE	SENIOR VP AND CHIEF STS OFFICER	40.00	Officer	$119,900	$88,122	$208,022
JAY DAVID	DIRECTOR OF INFORMATION TECHNOLOGY	40.00	Highest	$146,146	$51,018	$197,164
CHARISSA SWINDOLL-GAITHER	PRESIDENT	40.00	Officer Director	$191,053	$1,116	$192,169
MICHAEL BERGERON	SR. VP, OPERATIONS AND HR	40.00	Officer	$139,786	$49,332	$189,118
BRIAN LEICHT	SR. VP OF BIBLICAL COUNSELING	40.00	Officer	$71,076	$117,568	$188,644
AARON MASSEY	SR. VP, SEARCHING THE SCRIPTURES MINISTRIES	40.00	Officer	$98,774	$84,131	$182,905
JOEL MORALES	SR. VP, LIVING BRIDGE MEDIA	40.00	Officer	$131,055	$47,351	$178,406
BRYANT KELLEY	SR. VP, ADVANCEMENT	40.00	Officer	$157,261	$20,285	$177,546
BILL LAMMIE	SR. VP, INFORMATION TECHNOLOGY	40.00	Officer	$159,987	$8,249	$168,236
JAMES DEATHERAGE	DIRECTOR FULFILLMENT	40.00	Highest	$125,743	$37,423	$163,166
LINDA RICKS	SR. VP, COMMUNICATIONS & ENGAGEMENT	40.00	Officer	$128,461	$34,412	$162,873
CARMEN MONTGOMERY	SR. DIRECTOR, CENTRAL AND S. AMERICA	40.00	Highest	$109,570	$47,383	$156,953
JOHN SHAPIRO	VP, ADVANCEMENT	40.00	Officer	$101,794	$45,179	$146,973
COLLEEN THOMPSON	VP, REFRAMING MINISTRIES	40.00	Officer	$117,221	$12,201	$129,422
SCOTT BEAN	SR. DIRECTOR, EUROPE AND COMMONWEALTH MINISTRIES	40.00	Highest	$119,428	$5,630	$125,058
CHRIS LIPPER	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
DR STEPHEN BRAMER	DIRECTOR	1.00	Director	$0	$0	$0
DR REG GRANT	DIRECTOR	1.00	Director	$0	$0	$0
JOE ALLEN JR	DIRECTOR	1.00	Director	$0	$0	$0
BILL BUTTERWORTH	DIRECTOR	1.00	Director	$0	$0	$0
BRETT FLAGG	DIRECTOR	1.00	Director	$0	$0	$0
DON JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
ROGER KEMP	DIRECTOR	1.00	Director	$0	$0	$0
JONATHAN MURPHY	DIRECTOR	1.00	Director	$0	$0	$0
SEALY YATES	DIRECTOR	1.00	Director	$0	$0	$0
DR BOB ROBERTS	DIRECTOR	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	$18,808,192	$19,059,330	$23,912,025	$-251,138
2024	$19,942,106	$19,225,291	$24,587,437	$716,815
2023	$18,811,503	$20,501,554	$23,293,349	$-1,690,051
2022	$21,184,186	$18,218,286	$25,481,549	$2,965,900
2021	$19,012,020	$17,221,087	$24,421,819	$1,790,933
2020	$19,904,687	$18,108,893	$23,454,072	$1,795,794
2019	$17,377,961	$18,872,721	$23,666,943	$-1,494,760
2018	$18,872,828	$18,850,010	$22,527,031	$22,818

INSIGHT FOR LIVING