M4 USA

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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

2024

Legal Domicile

Principal Officer

JOE STOWELL

Phone

7193884923

Tax Period

2025-01-01 to 2025-12-31

M4 USA, founded in 2024, is a small nonprofit in the Religion sector that reported $879K in total revenue in fiscal year 2025. Expenses of $820K left a modest 7% surplus.

Mission

NONE

Program Service Accomplishments

Program 1

Expenses: $369,106

M4 READY - M4 READY IS AN ONLINE 9-10 MONTH TRAINING COURSE FOR PEOPLE WHO HAVE A POTENTIAL TO PLAN, LEAD AND MULTIPLY CHURCHES IN THEIR NATIONS. IT IS INTENDED FOR YOUR LEADERS IN LOCAL CHURCHES...

M4 READY - M4 READY IS AN ONLINE 9-10 MONTH TRAINING COURSE FOR PEOPLE WHO HAVE A POTENTIAL TO PLAN, LEAD AND MULTIPLY CHURCHES IN THEIR NATIONS. IT IS INTENDED FOR YOUR LEADERS IN LOCAL CHURCHES, DENOMINATIONS, NETWORKS OR ORGANIZATIONS WITH A MORE THAN AVERAGE LEADERSHIP POTENTIAL WHO ALREADY HAVE SOME TRACK RECORD OF ENTREPRENEURSHIP, INITIATING NEW THINGS AND BRINGING CHANGE.

Program 2

Expenses: $246,071

M4 TRAM PROCESS - M4 TEAM PROCESS IS A TWO YEAR LONG TRAINING THAT SEEKS TO HELP THE CHURCH PLANTER AND HIS TEAM SUCCEED IN THE FIRST YEARS OF CHURCH PLANTING. SUCCESS MEANS THAT, AT THE END OF THE TRAINING PROCESS, THE CHURCH PLANTING TEAM IS PREPARED TO LAUNCH A HEALTHY REPRODUCING CHURCH THAT GLORIFIES GOD AND IMPACTS SOCIETY.

Program 3

Expenses: $205,059

M4 CONNECT - M4 CONNECT IS A CONSTANTLY DEVELOPING AND VERY RELATIONAL PROJECT WHICH HELPS UKRAINIAN CHURCH PLANTING TEAMS TO BRING HOPE AND STABILITY TO MORE THAN 5 MILLION UKRAINIAN REFUGEES IN...

M4 CONNECT - M4 CONNECT IS A CONSTANTLY DEVELOPING AND VERY RELATIONAL PROJECT WHICH HELPS UKRAINIAN CHURCH PLANTING TEAMS TO BRING HOPE AND STABILITY TO MORE THAN 5 MILLION UKRAINIAN REFUGEES IN CENTRAL EUROPE, BY ESTABLISHING HEALTHY, MISSIONAL CHURCHES WHICH ARE SUPPORTED BY LOCAL CHURCHES AND LEADERS. M4 CONNECT FOSTERS UNITY AND TEAMWORK AMOUNT UKRAINIANS THROUGH CHURCH PLANTS THAT ARE COMPOSED OF PEOPLE COMING FROM DIFFERENT PARTS OF UKRAINE, FROM DIFFERENT CHURCHES AND EVEN DIFFERENT THEOLOGICAL TRADITIONS.

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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 $878,807

Program Service Revenue $0

Investment Income $0

Other Revenue $7

TOTAL REVENUE $878,814

Expense Breakdown

Grants Paid $818,980

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $820,236

Other Expenses $1,256

TOTAL EXPENSES $820,236

Year-over-Year Comparison

	2025	2024	Change
Revenue	$878,814	N/A	N/A
Expenses	$820,236	N/A	N/A
Net Income	$58,578	N/A	N/A

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
JOE STOWELL	PRESIDENT	2.00	Officer Director	$0	$0	$0
DAVID MEYER	SECRETARY	2.00	Officer Director	$0	$0	$0
DAVID KUNSTLE	TREASURER	2.00	Officer Director	$0	$0	$0
JIRI UNGER	DIRECTOR	2.00	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	$878,814	$820,236	$763,086	$58,578