PSALM 891 MINISTRIES (EIN 993714927) - 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

EMILY GAERTNER

Phone

5127996179

Tax Period

2025-01-01 to 2025-12-31

PSALM 891 MINISTRIES, founded in 2024, is a small nonprofit in the Religion sector that reported $132K in total revenue in fiscal year 2025. Revenue fell 47% from the prior year — a significant decline worth monitoring.

Mission

THE MISSION OF PSALM 89:1 MINISTRIES IS TO GROW WOMEN OF ALL AGES IN THEIR FAITH THROUGH MUTIGENERATIONAL DISCIPLESHIP. OUR HOPE IS THAT THROUGH THIS MUTIGENERATIONAL DISCIPLESHIP, WOMEN WOULD BE ENCOURAGED AND EQUIPPED NO MATTER WHERE THEY ARE IN THEIR FAITH JOURNEY AND AS A RESULT THEY WOULD BOTH WALK MORE IN THE FULLNESS OF WHO GOD CREATED THEM TO BE AND THEN MULTIPLY AND DO THE SAME FOR OTHERS.

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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 $126,550

Program Service Revenue $0

Investment Income $5,161

Other Revenue $0

TOTAL REVENUE $131,711

Expense Breakdown

Grants Paid $21,228

Salaries & Benefits $93,538

Fundraising Expenses $5,940

Program Expenses $128,136

Other Expenses $25,250

TOTAL EXPENSES $140,016

Year-over-Year Comparison

	2025	2024	Change
Revenue	$131,711	$247,393	-0.5%
Expenses	$140,016	$33,774	+3.1%
Net Income	$-8,305	$213,619	-1.0%

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

$93,538

Total Directors

$93,538

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EMILY GAERTNER	PRESIDENT	1.00	Officer Director	$0	$0	$0
KRISTA WISE	SECRETARY	1.00	Officer Director	$0	$0	$0
ALY FAULK	TREASURER	1.00	Officer Director	$0	$0	$0
JOY BAUGHMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
CALLYANNE MCCREA	BOARD MEMBER	1.00	Director	$0	$0	$0
GRACE HILL	BOARD MEMBER	1.00	Director	$0	$0	$0
KRISTEN KRIEG	BOARD MEMBER	1.00	Director	$0	$0	$0
ELLEN TUCKER	EXECUTIVE DIRECTOR	44.00	Officer Director	$93,538	$0	$93,538

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	$131,711	$140,016	$205,314	$-8,305
2024	$247,393	$33,774	$213,619	$213,619

PSALM 891 MINISTRIES