Civic Intelligence

Christian Financial Ministries Inc

EIN 77-0250776 • 501(c)3 • Hayesville, NC

Profile

Bible based personal financial teaching

318 Chatuge Shores OverlookHayesville, NC 28904

www.good-steward.org

Siviq Scores

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

Liabilities / Assets

64th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

NTEE Z • <$500k nonprofits • Source year 2025

Liabilities / Revenue

64th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

NTEE Z • <$500k nonprofits • Source year 2025

Net Margin

10th percentile

-56%

Higher net margin than 10% of similar nonprofits.

NTEE Z99Z • <$500k nonprofits • Source year 2025

Top Officer Pay

82nd percentile

$0

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

NTEE Z99Z • <$500k nonprofits • Source year 2025

Asset Growth

47th percentile

-5.4%

Faster asset growth than 47% of similar nonprofits.

NTEE Z99Z • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

12th percentile

-76%

Faster revenue growth than 12% of similar nonprofits.

NTEE Z • <$500k nonprofits • Annualized from 2023 to 2025

Balance Sheet
Liabilities / Assets64th percentile

Assets

Down

$8,224

Down $473 (-5.4%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Down

$8,224

Down $473 (-5.4%) from 2024

Operations
Liabilities / Revenue64th percentileNet Margin10th percentile

Revenue

$842

No earlier filing loaded for comparison.

Expenses

$1,315

No earlier filing loaded for comparison.

Net Income

-$473

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth47th percentile

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

$150K$100K$50K$0-$50KAssets 2010: $119,630Liabilities 2010: $87,868Net Assets 2010: $31,7622010Assets 2011: $52,680Liabilities 2011: $74,416Net Assets 2011: -$21,7362011Assets 2012: $114,978Liabilities 2012: $74,416Net Assets 2012: $40,5622012Assets 2013: $47,042Liabilities 2013: $0Net Assets 2013: $47,0422013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014Assets 2015: $0Liabilities 2015: $7,501Net Assets 2015: -$7,5012015Assets 2016: $0Liabilities 2016: $14,134Net Assets 2016: -$14,1342016Assets 2017: $1Liabilities 2017: $02017Assets 2018: $1Liabilities 2018: $02018Assets 2019: $36,769Liabilities 2019: $0Net Assets 2019: $36,7692019Assets 2020: $30,139Liabilities 2020: $0Net Assets 2020: $30,1392020Assets 2021: $13,042Liabilities 2021: $0Net Assets 2021: $13,0422021Assets 2022: $19,100Liabilities 2022: $0Net Assets 2022: $19,1002022Assets 2023: $8,697Liabilities 2023: $0Net Assets 2023: $8,6972023Assets 2024: $8,697Liabilities 2024: $0Net Assets 2024: $8,6972024Assets 2025: $8,224Liabilities 2025: $0Net Assets 2025: $8,2242025

Highlighted filing

2025

Assets$8,224
Liabilities$0
Net Assets$8,224
Open 2025 Filing

Operations Trend

Revenue Growth12th percentile

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

$200K$100K$0-$100KExpenses 2010: $177,2072010Expenses 2011: $101,1372011Expenses 2012: $57,5152012Revenue 2013: $343Expenses 2013: $67,271Net Income 2013: -$66,9282013Revenue 2014: $0Expenses 2014: $22,899Net Income 2014: -$22,8992014Revenue 2015: $21,200Expenses 2015: $28,701Net Income 2015: -$7,5012015Revenue 2016: $13,296Expenses 2016: $19,929Net Income 2016: -$6,6332016Revenue 2017: $16,259Expenses 2017: $11,816Net Income 2017: $4,4432017Revenue 2018: $9,455Expenses 2018: $7,436Net Income 2018: $2,0192018Revenue 2019: $45,154Expenses 2019: $8,385Net Income 2019: $36,7692019Revenue 2020: $10,070Expenses 2020: $16,700Net Income 2020: -$6,6302020Revenue 2021: $21,898Expenses 2021: $38,995Net Income 2021: -$17,0972021Revenue 2022: $32,037Expenses 2022: $25,979Net Income 2022: $6,0582022Revenue 2023: $14,618Expenses 2023: $25,021Net Income 2023: -$10,4032023Revenue 2025: $842Expenses 2025: $1,315Net Income 2025: -$4732025

Highlighted filing

2025

Revenue$842
Expenses$1,315
Net Income-$473
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,224
Liabilities
$0
Net assets
$8,224
Revenue
$842
Expenses
$1,315
Net income
-$473
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.08$0.00$0.08$0.01$0.01$0.00
2024Detailed filing. Detailed filing data is available for this year.$0.09$0.00$0.09
2023Detailed filing. Detailed filing data is available for this year.$0.09$0.00$0.09$0.15$0.25$0.10
2022Detailed filing. Detailed filing data is available for this year.$0.19$0.00$0.19$0.32$0.26$0.06
2021Detailed filing. Detailed filing data is available for this year.$0.13$0.00$0.13$0.22$0.39$0.17
2020Detailed filing. Detailed filing data is available for this year.$0.30$0.00$0.30$0.10$0.17$0.07
2019Detailed filing. Detailed filing data is available for this year.$0.37$0.00$0.37$0.45$0.08$0.37
2018Summary only. Only limited summary data is available for this year.$0.00$0.00$0.09$0.07$0.02
2017Summary only. Only limited summary data is available for this year.$0.00$0.00$0.16$0.12$0.04
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.14$0.14$0.13$0.20$0.07
2015Detailed filing. Detailed filing data is available for this year.$0.00$0.08$0.08$0.21$0.29$0.08
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.00$0.23$0.23
2013Summary only. Only limited summary data is available for this year.$0.47$0.00$0.47$0.00$0.67$0.67
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.15$0.74$0.41$0.58
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.53$0.74$0.22$1.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.20$0.88$0.32$1.77
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 25, 2026
Return Version
2025v4.0
Gross Receipts
$842
Mission and Program Overview

Mission

Bible based personal financial teaching

Program Services

DescriptionGrantsExpenses
FINANCIAL FREEDOM GODS WAY ONLINE ACADEMY WHICH IS A SINGULARLY UNIQUE, INTERACTIVE, MULTI-MEDIA, ON LINE WEB SITE-$0
WE OFFER AN ACCREDITED PROGRAM THAT TEACHES,TRAINS,MENTORS AND COACHES INDIVIDUALS TO LEARN,UNDERSTAND,APPLY,AND PASS ON TO OTHERS WHAT THE BIBLE SAYS ABOUNT MANAGING MONEY-$0
WE OFFER A FREE E-BOOK AND MONTHY NEWSLETTER AND PERIODIC RADIO TV AND PRINT MEDIA-$0
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
ROBERT LOUDERPresidentFT$0--
Filing and Contact Details

Filer

Filer Name
Christian Financial Ministries Inc
EIN
77-0250776
In Care Of
% ROBERT B LOUDER
Phone
6783862640
Address
318 CHATUGE SHORES OVERLOOK, HAYESVILLE, NC 28904

Signing Officer

Name
Robert B Louder
Title
President
Phone
6783862640
Signed
2026-02-25
Discuss with paid preparer
Yes

Preparer

Firm
Cooks Tax Preparation Services
Address
128 VETERANS MEMORIAL DRIVE, Blairsville, GA 30512
Preparer
Mary Ruth Cook
Phone
7068978738
Supplemental Narrative

Additional Explanations

Description of other expenses Part I line 16

“Description AmountMEDIA EXPENSE 452EQUIPMENT 470ADMIN FEES 173SUBSCRIPTIONS 120TAX PREP 100”

Business income not reported on 990-T Part V line 35

“Robert louder president 40 hrs wk $0 salary bonnie kindrick board member 1 hr wk $0 salary michael borkman board member 1 hr wk $0 salary brian hunt board member 1 hr wk $0 salary roger parker board member 1 hr wk $0 salary tricia parker board member 1 hr wk $0 salary paul bradbury board memeber 1 hr wk $0 salary debbie bradbiry board memeber 1 hr wk $0 salary debbie louder board memeber 1 hr wk $0 salary”

Raw XML Appendix104 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.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0ROBERT LOUDER
IRS990EZ/BooksInCareOfDetail/PhoneNum06783862640
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0318 CHATUGE SHORES OVERLOOK
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0HAYESVILLE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NC
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd028904
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt08697
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt08224
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt0842
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0true
IRS990EZ/ExcessOrDeficitForYearAmt0-473
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt08697
IRS990EZ/Form990TotalAssetsGrp/EOYAmt08224
IRS990EZ/GrossReceiptsAmt0842
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt08697
IRS990EZ/NetAssetsOrFundBalancesEOYAmt08224
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt08697
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt08224
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0ROBERT LOUDER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0true
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherExpensesTotalAmt01315
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0BIBLE BASED PERSONAL FINANCIAL TEACHING
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0FINANCIAL FREEDOM GODS WAY ONLINE ACADEMY WHICH IS A SINGULARLY UNIQUE, INTERACTIVE, MULTI-MEDIA, ON LINE WEB SITE
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1WE OFFER AN ACCREDITED PROGRAM THAT TEACHES,TRAINS,MENTORS AND COACHES INDIVIDUALS TO LEARN,UNDERSTAND,APPLY,AND PASS ON TO OTHERS WHAT THE BIBLE SAYS ABOUNT MANAGING MONEY
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2WE OFFER A FREE E-BOOK AND MONTHY NEWSLETTER AND PERIODIC RADIO TV AND PRINT MEDIA
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt10
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt20
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0CA
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt01315
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt0842
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990ScheduleA/ChurchInd0X
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Description AmountMEDIA EXPENSE 452EQUIPMENT 470ADMIN FEES 173SUBSCRIPTIONS 120TAX PREP 100
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ROBERT LOUDER PRESIDENT 40 HRS WK $0 SALARY BONNIE KINDRICK BOARD MEMBER 1 HR WK $0 SALARY MICHAEL BORKMAN BOARD MEMBER 1 HR WK $0 SALARY BRIAN HUNT BOARD MEMBER 1 HR WK $0 SALARY ROGER PARKER BOARD MEMBER 1 HR WK $0 SALARY TRICIA PARKER BOARD MEMBER 1 HR WK $0 SALARY PAUL BRADBURY BOARD MEMEBER 1 HR WK $0 SALARY DEBBIE BRADBIRY BOARD MEMEBER 1 HR WK $0 SALARY DEBBIE LOUDER BOARD MEMEBER 1 HR WK $0 SALARY
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Description of other expenses Part I line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Business income not reported on 990-T Part V line 35
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT B LOUDER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06783862640
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHRISTIAN FINANCIAL MINISTRIES INC
ReturnHeader/Filer/BusinessNameControlTxt0CHRI
ReturnHeader/Filer/EIN0770250776
ReturnHeader/Filer/InCareOfNm0% ROBERT B LOUDER
ReturnHeader/Filer/PhoneNum06783862640
ReturnHeader/Filer/USAddress/AddressLine1Txt0318 CHATUGE SHORES OVERLOOK
ReturnHeader/Filer/USAddress/CityNm0HAYESVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd028904
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0253841986
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0COOKS TAX PREPARATION SERVICES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0128 VETERANS MEMORIAL DRIVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Blairsville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0GA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd030512
ReturnHeader/PreparerPersonGrp/PhoneNum07068978738
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARY RUTH COOK
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-02-25T15:18:12-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

Document Assets

No mirrored PDF or thumbnail assets are attached yet.