WARM AN LOVING MINISTRIES INC (EIN 953883546) - 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

Legal Domicile

Phone

8187909276

Tax Period

2024-01-01 to 2024-12-31

WARM AN LOVING MINISTRIES INC is a small nonprofit in the Religion sector that reported $296K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $49K, a strong 16% operating margin.

Mission

CHRISTIAN COUNSELING IS PROVIDED TO CLIENTS INDIVIDUALLY AND IN GROUPS IN ORDER TO IMPROVE MENTAL, EMOTIONAL AND SPIRITUAL HEALTH. CHRISTIAN RETREATS AND SEMINARS ARE ALSO CONDUCTED.

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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 $295,994

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $295,994

Expense Breakdown

Grants Paid $0

Salaries & Benefits $212,538

Fundraising Expenses $0

Program Expenses $222,680

Other Expenses $34,883

TOTAL EXPENSES $247,421

Year-over-Year Comparison

	2024	2023	Change
Revenue	$295,994	$260,600	+0.1%
Expenses	$247,421	$287,263	-0.1%
Net Income	$48,573	$-26,663	-2.8%

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

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

$102,000

Total Directors

$143,400

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REV MARVIN WARMAN	President	40.00	Officer Director	$102,000	$0	$102,000
JOYCE WARMAN	BOARD MEMBER	40.00	Director	$41,400	$0	$41,400
DONALD SKIP BARBER	Chairman	0.00	Officer Director	$0	$0	$0
SCOTT JOHNSON	BOARD MEMBER	0.00	Director	$0	$0	$0
TAMMY JOHNSON	Secretary	0.00	Officer Director	$0	$0	$0
HOLLY DASGHAIB	BOARD MEMBER	0.00	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	No data	No data	No data	No data
2024	$295,994	$247,421	$77,824	$48,573
2023	$260,600	$287,263	$29,251	$-26,663
2022	$275,584	$273,998	$55,814	$1,586
2021	$290,678	$265,771	$54,543	$24,907
2020	$272,123	$241,679	$67,391	$30,444
2019	$235,870	$240,065	$36,947	$-4,195
2018	$220,584	$231,887	$41,142	$-11,303

WARM AN LOVING MINISTRIES INC