M4 USA (EIN 992345090) - 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

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

M4 USA'S PRIMARY PURPOSE IS TO SPREAD THE GOSPEL OF JESUS CHRIST THROUGHOUT THE WORLD BY PLANTING INDIGENOUS CHURCHES IN EUROPE AND AROUND THE WORLD. M4 USA WILL SUPPORT INDIGENOUS CHURCH PLANTING BY MAKING GRANTS TO CHURCHES AND TO NONPROFIT ORGANIZATIONS WITH A SIMILAR PURPOSE. M4 USA WILL ALSO ENCOURAGE CHURCHES IN THE UNITED STATES TO GET INVOLVED IN THE CHURCH PLANTING PROCESS BY BRINGING US CHURCHES TO EUROPE TO SEE HOW THE CHURCH PLANTING PROCESS OPERATES, BY RAISING AWARENESS IN US CHURCHES OF THE GREAT NEED FOR CHURCH PLANTING IN EUROPE AND AROUND THE WORLD, AND BY RAISING FINANCIAL SUPPORT FOR CHURCH PLANTING IN EUROPE WITH US CHURCHES. M4 USA'S FUTURE WORK WILL INVOLVE RESPONDING TO THE GROWING NEED TO SUPPORT CHURCH PLANTING IN EUROPE AND BEYOND AND TO BUILD PERSONNEL CAPACITY TO SUPPORT THIS GROWTH.

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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

M4 USA