Civic Intelligence

Paula Ratchford Ministries

EIN 20-5115842 • 501(c)3 • Dearborn, MI

Profile

Community services organization formed exclusively to provide charitable religious literary and leadership training and development services that improve the social and economic state of impoverished and underse

PO Box 7556Dearborn, MI 48121

paularatchfordministries.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

93rd percentile

0.98x

Higher debt load relative to assets than 93% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Liabilities / Revenue

96th percentile

1.63x

Higher debt load relative to revenue than 96% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Net Margin

28th percentile

-12%

Higher net margin than 28% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Top Officer Pay

96th percentile

$68,826

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 45.4% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2023

Asset Growth

43rd percentile

-7.0%

Faster asset growth than 43% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2023

Revenue Growth

41st percentile

-11%

Faster revenue growth than 41% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$252,296

Down $18,959 (-7.0%) from 2022

Liabilities

Flat

$247,650

Flat from 2022

Net Assets

Down

$4,646

Down $18,959 (-80%) from 2022

Operations
Liabilities / Revenue96th percentileNet Margin28th percentile

Revenue

Down

$151,701

Down $18,972 (-11%) from 2022

Expenses

Up

$170,660

Up $8,044 (+4.9%) from 2022

Net Income

Down

-$18,959

Down $27,016 (-335%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth43rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300K$200K$100K$0-$100KAssets 2011: $8,523Liabilities 2011: $5,000Net Assets 2011: $3,5232011Assets 2012: $5,312Liabilities 2012: $5,000Net Assets 2012: $3122012Assets 2013: $5,138Liabilities 2013: $5,000Net Assets 2013: $1382013Assets 2014: $2,095Liabilities 2014: $5,000Net Assets 2014: -$2,9042014Assets 2015: $2,521Liabilities 2015: $5,000Net Assets 2015: -$2,4792015Assets 2016: $4,821Liabilities 2016: $5,000Net Assets 2016: -$1792016Assets 2017: $2,486Liabilities 2017: $0Net Assets 2017: $2,4862017Assets 2018: $4,885Liabilities 2018: $02018Assets 2019: $4,143Liabilities 2019: $2,0002019Assets 2020: $55,767Liabilities 2020: $55,9002020Assets 2021: $263,198Liabilities 2021: $247,650Net Assets 2021: $15,5482021Assets 2022: $271,255Liabilities 2022: $247,650Net Assets 2022: $23,6052022Assets 2023: $252,296Liabilities 2023: $247,650Net Assets 2023: $4,6462023

Highlighted filing

2023

Assets$252,296
Liabilities$247,650
Net Assets$4,646
Open 2023 Filing

Operations Trend

Revenue Growth41st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$150K$100K$50K$0-$50KRevenue 2011: $54,360Expenses 2011: $59,649Net Income 2011: -$5,2892011Revenue 2012: $83,014Expenses 2012: $83,775Net Income 2012: -$7612012Revenue 2013: $83,322Expenses 2013: $84,866Net Income 2013: -$1,5442013Revenue 2014: $88,816Expenses 2014: $89,509Net Income 2014: -$6932014Revenue 2015: $74,694Expenses 2015: $74,418Net Income 2015: $2762015Revenue 2016: $100,000Expenses 2016: $97,699Net Income 2016: $2,3012016Revenue 2017: $108,816Expenses 2017: $106,152Net Income 2017: $2,6642017Revenue 2018: $127,098Expenses 2018: $124,699Net Income 2018: $2,3992018Revenue 2019: $125,794Expenses 2019: $128,527Net Income 2019: -$2,7332019Revenue 2020: $151,770Expenses 2020: $154,046Net Income 2020: -$2,2762020Revenue 2021: $153,744Expenses 2021: $138,063Net Income 2021: $15,6812021Revenue 2022: $170,673Expenses 2022: $162,616Net Income 2022: $8,0572022Revenue 2023: $151,701Expenses 2023: $170,660Net Income 2023: -$18,9592023

Highlighted filing

2023

Revenue$151,701
Expenses$170,660
Net Income-$18,959
Open 2023 Filing

Filings

Most recent year

2023 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$252,296
Liabilities
$247,650
Net assets
$4,646
Revenue
$151,701
Expenses
$170,660
Net income
-$18,959
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$2.52$2.48$0.05$1.52$1.71$0.19
2022Detailed filing. Detailed filing data is available for this year.$2.71$2.48$0.24$1.71$1.63$0.08
2021Detailed filing. Detailed filing data is available for this year.$2.63$2.48$0.16$1.54$1.38$0.16
2020Summary only. Only limited summary data is available for this year.$0.56$0.56$1.52$1.54$0.02
2019Summary only. Only limited summary data is available for this year.$0.04$0.02$1.26$1.29$0.03
2018Summary only. Only limited summary data is available for this year.$0.05$0.00$1.27$1.25$0.02
2017Summary only. Only limited summary data is available for this year.$0.02$0.00$0.02$1.09$1.06$0.03
2016Summary only. Only limited summary data is available for this year.$0.05$0.05$0.00$1.00$0.98$0.02
2015Summary only. Only limited summary data is available for this year.$0.03$0.05$0.02$0.75$0.74$0.00
2014Summary only. Only limited summary data is available for this year.$0.02$0.05$0.03$0.89$0.90$0.01
2013Summary only. Only limited summary data is available for this year.$0.05$0.05$0.00$0.83$0.85$0.02
2012Summary only. Only limited summary data is available for this year.$0.05$0.05$0.00$0.83$0.84$0.01
2011Summary only. Only limited summary data is available for this year.$0.09$0.05$0.04$0.54$0.60$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 29, 2025
Return Version
2023v6.0
Gross Receipts
$151,701
Mission and Program Overview

Mission

Community services organization formed exclusively to provide charitable religious literary and leadership training and development services that improve the social and economic state of impoverished and underserved communities

Program Services

DescriptionGrantsExpenses
0--
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paula RatchfordCEOFT$18,493$50,333$68,826
Adrian DavisCFO-$0--
Pastor Andrew Jackson JrChairman-$0--
Pastor Aaron CampbellVice Chairman-$0--
Patrice RobinsonHuman Resources Officer-$0--
Filing and Contact Details

Filer

Filer Name
Paula Ratchford Ministries
EIN
20-5115842
Phone
0000000000
Address
PO BOX 7556, DEARBORN, MI 48121

Signing Officer

Name
Adrian Davis
Title
0
Phone
0000000000
Signed
2025-11-29
Supplemental Narrative

Additional Explanations

Schedule O:

“Part 1.16 - all other expenses not captured in major categories Part 2.26 - Long-term government loan”

Raw XML Appendix201 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0CEO
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Human Resources Officer
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
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IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt056035
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IRS990EZ/PoliticalCampaignActyInd0false
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IRS990EZ/PrintingPublicationsPostageAmt08772
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IRS990EZ/SalariesOtherCompEmplBnftAmt073447
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IRS990EZ/ScheduleBNotRequiredInd0X
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IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0247650
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IRS990EZ/TotalExpensesAmt0170660
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Part 1.16 - all other expenses not captured in major categories Part 2.26 - Long-term government loan
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule O:
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Adrian Davis
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt00
ReturnHeader/BusinessOfficerGrp/PhoneNum00000000000
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PAULA RATCHFORD MINISTRIES
ReturnHeader/Filer/BusinessNameControlTxt0PAUL
ReturnHeader/Filer/EIN0205115842
ReturnHeader/Filer/PhoneNum00000000000
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ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048121
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ReturnHeader/ReturnTs02025-11-29T05:00:02Z
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

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