EMMANUEL REFORMED CHURCH ENDOWMENT FOUNDATION (EIN 953920273) - 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

1984

Legal Domicile

Principal Officer

TED DEGROOT

Phone

5622724963

Tax Period

2025-01-01 to 2025-12-31

EMMANUEL REFORMED CHURCH ENDOWMENT FOUNDATION, founded in 1984, is a small nonprofit that reported $491K in total revenue in fiscal year 2025. Revenue surged 358% from the prior year, signaling strong growth momentum. The organization ran a surplus of $342K, a strong 70% operating margin.

Mission

To support the charitable and religious mission of Emmanuel Reformed Church by receiving and administering gifts and contributions; managing assets in accordance with sound fiscal principles; and providing grants and scholarships to advance religious education, community service, and faith-based initiatives.

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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 $69,967

Program Service Revenue $0

Investment Income $421,165

Other Revenue $0

TOTAL REVENUE $491,132

Expense Breakdown

Grants Paid $100,000

Salaries & Benefits $0

Fundraising Expenses $6,952

Program Expenses $100,000

Other Expenses $49,165

TOTAL EXPENSES $149,165

Year-over-Year Comparison

	2025	2024	Change
Revenue	$491,132	$107,334	+3.6%
Expenses	$149,165	$33,617	+3.4%
Net Income	$341,967	$73,717	+3.6%

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

$290,768

Total Directors

$290,768

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKE DEMASTER	ASST TREASURER	2.00	Officer Director	$0	$0	$180,243
RUTH ZYMKOWITZ	Secretary	2.00	Officer Director	$0	$0	$110,525
TED DEGROOT	President	1.00	Officer Director	$0	$0	$0
DAVE HUCHEL	Vice President	1.00	Officer Director	$0	$0	$0
HAVERY SAARLOOS	Treasurer	1.00	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	$491,132	$149,165	$4,153,770	$341,967
2024	No data	No data	No data	No data
2023	$255,345	$188,910	$3,315,483	$66,435
2022	$327,337	$61,543	$2,981,030	$265,794
2021	$269,720	$22,857	$3,133,642	$246,863
2020	$280,380	$21,033	$2,699,012	$259,347

EMMANUEL REFORMED CHURCH ENDOWMENT FOUNDATION