Religion-Related
(X120)
990 on File
BAPTIST CHURCH LOAN CORPORATION
Financial strength (30%)
84/100
Reliability (20%)
55/100
Effectiveness (25%)
81/100
Impact (25%)
No data yet
CharityAI™ Score
Not yet evaluated
Financial Overview — FY 2025
$9.1M
Total Revenue
$6.4M
Total Expenses
$125.8M
Net Assets
9
Employees
Revenue Sources
Expense Breakdown
Program Expense Ratio
91.1%
Fundraising Efficiency
N/A
Operating Reserve
234.93x
Liability-to-Asset
33.9%
Revenue Diversification
99.8%
Executive Compensation
$1.1M
Compared with Peers
FY 2025
Compared with 659 similar organizations
(United States, Religion-Related, $1M–$10M in expenses), FY 2025.
This organization
Middle half of peers (P25–P75)
Peer median
| Ratio | This org | Peer median | Position (P10 → P90) | |
|---|---|---|---|---|
|
Program expense ratio
Program expenses / total expenses
· higher is better
|
91.1% | 85.1% |
P10P90
|
Above median |
|
Admin expense ratio
Management and general / total expenses
· lower is better
|
8.9% | 9.9% |
P10P90
|
Above median |
|
Fundraising expense ratio
Fundraising expenses / total expenses
· lower is better
|
0.0% | 1.4% |
P10P90
|
Top quarter |
|
Operating reserve
Months of expenses covered by net assets
· higher is better
|
234.9 mo | 7.7 mo |
P10P90
|
Top quarter |
|
Liabilities to assets
Total liabilities / total assets
· lower is better
|
33.9% | 7.2% |
P10P90
|
Bottom quarter |
|
Revenue concentration
Share of revenue from the largest source
· lower is better
|
99.8% | 93.3% |
P10P90
|
Bottom quarter |
|
Surplus margin
Surplus as a share of revenue
|
29.2% | 1.7% |
P10P90
|
Financial History
| Year | Revenue | Expenses | Net Assets | Program % | Staff |
|---|---|---|---|---|---|
| 2025 | $9.1M | $6.4M | $125.8M | 91.1% | 9 |
| 2023 | $6.4M | $3.8M | $120.9M | 86.5% | 11 |
| 2022 | $5.8M | $2.7M | $117.8M | 81.6% | 10 |
| 2021 | $6.7M | $4.1M | N/A | — | 12 |
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