Cross Of Light Ministry
Cross Of Light Ministry shows asset growth but experienced a deficit in 2020 with no reported officer compensation.
EIN: 202652733 · Worcester, MA · NTEE: X21 · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $442K |
| Total Expenses | $434K |
| Program Spending | 80% |
| Net Assets | $950K |
| Transparency Score | 75/100 |
Is Cross Of Light Ministry Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Cross Of Light Ministry directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Cross Of Light Ministry
Cross Of Light Ministry (EIN: 202652733) is a nonprofit organization based in Worcester, MA, classified under NTEE code X21. The organization reported total revenue of $442K and total assets of $896K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Cross Of Light Ministry's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Cross Of Light Ministry is a small nonprofit that has been operating for 20 years, with 4 years of IRS 990 filings on record (2017–2020). Revenue has grown at a compound annual rate of -5.5%.
Key Financial Metrics (2020)
From the most recent IRS 990 filing on record:
| Total Revenue | $373K |
| Total Expenses | $434K |
| Surplus / Deficit | $-61,330 |
| Total Assets | $1.2M |
| Total Liabilities | $224K |
| Net Assets | $950K |
| Operating Margin | -16.5% |
| Debt-to-Asset Ratio | 19.1% |
| Months of Reserves | 32.4 months |
Financial Health Grade: B
In 2020, Cross Of Light Ministry reported a deficit of $61K with expenses exceeding revenue, holds 32.4 months of operating reserves (strong position), has a debt-to-asset ratio of 19.1% (very low leverage).
Financial Trends
Over 4 years of filings (2017–2020), Cross Of Light Ministry's revenue has declined at a compound annual growth rate (CAGR) of -5.5%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2020 | -35.2% | -4.5% | +9.5% |
| 2019 | +9.9% | +13.7% | +11.1% |
| 2018 | +18.2% | +6.4% | +7.7% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 7000 |
| IRS Ruling Date | 2006 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Cross Of Light Ministry with a Mission Score of 75 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 15%
- programs: 80%
- fundraising: 5%
According to IRS 990 filings, Cross Of Light Ministry allocates its expenses as follows: admin: 15%, programs: 80%, fundraising: 5%. With 80% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2020)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $61K, with expenses exceeding revenue.
- Debt-to-asset ratio: 19.1%.
Executive Compensation Analysis
Cross Of Light Ministry consistently reports 0% officer compensation across all available filings, indicating that no salaries or other compensation were paid to officers, which is a strong positive for minimizing administrative costs.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Cross Of Light Ministry's IRS 990 filings:
- Experienced a significant deficit in 2020 ($61,330)
- Revenue has fluctuated significantly year-over-year, making future income less predictable
Strengths
The following positive indicators were identified for Cross Of Light Ministry:
- Consistent asset growth from $896,264 to $1,173,862 over four years
- Decreasing liabilities from $269,521 to $224,233 over four years
- 0% officer compensation reported across all filings, indicating low executive overhead
- Consistent filing of IRS Form 990s demonstrates basic transparency
Frequently Asked Questions about Cross Of Light Ministry
Is Cross Of Light Ministry a legitimate charity?
Based on AI analysis of IRS 990 filings, Cross Of Light Ministry (EIN: 202652733) some concerns. Mission Score: 75/100. 2 red flags identified, 4 strengths noted.
How does Cross Of Light Ministry spend its money?
Cross Of Light Ministry directs 80% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Cross Of Light Ministry tax-deductible?
Cross Of Light Ministry is registered as a tax-exempt nonprofit (EIN: 202652733). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Cross Of Light Ministry's spending goes to programs?
Cross Of Light Ministry directs 80% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does Cross Of Light Ministry compare to similar nonprofits?
With a transparency score of 75/100 (Good), Cross Of Light Ministry is above average for NTEE category X21 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Cross Of Light Ministry located?
Cross Of Light Ministry is headquartered in Worcester, Massachusetts and files with the IRS under EIN 202652733. It is classified under NTEE code X21.
How many years of IRS 990 filings does Cross Of Light Ministry have?
Cross Of Light Ministry has 4 years of IRS 990 filings on record at NonprofitSpending. Additional filing years may become available as the IRS releases new data. The most recent filing shows $442K in total revenue.
Is Cross Of Light Ministry financially stable given the 2020 deficit?
While Cross Of Light Ministry experienced a deficit of $61,330 in 2020 (Expenses $434,154 vs. Revenue $372,824), its assets have grown to $1,173,862 and liabilities have decreased, suggesting it may have sufficient reserves to absorb this short-term deficit. However, sustained deficits would be a concern.
How does Cross Of Light Ministry's asset growth compare to its revenue fluctuations?
The organization's assets have steadily increased from $896,264 in 2017 to $1,173,862 in 2020, despite revenue fluctuating significantly, from a high of $575,000 in 2019 to a low of $372,824 in 2020. This suggests effective asset management or significant non-revenue contributions.
What is the significance of 0% officer compensation?
Reporting 0% officer compensation means that the organization's top executives or officers are not receiving salaries or other forms of compensation from the organization, which can be a strong indicator of volunteer leadership or a commitment to directing funds primarily to programs.
Filing History
IRS 990 filing history for Cross Of Light Ministry showing financial trends over 4 years of public records:
Over 4 years of IRS 990 filings (2017–2020), Cross Of Light Ministry's revenue has declined by 15.7%, moving from $442K to $373K. Total assets increased by 31% over the same period, from $896K to $1.2M. Total functional expenses rose by 15.5%, from $376K to $434K. In its most recent filing year (2020), Cross Of Light Ministry reported a deficit of $61K, with expenses exceeding revenue. The organization holds $224K in liabilities against $1.2M in assets (debt-to-asset ratio: 19.1%), resulting in net assets of $950K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2020 | $373K | $434K | $1.2M | $224K | — | View 990 |
| 2019 | $575K | $455K | $1.1M | $239K | — | View 990 |
| 2018 | $523K | $400K | $965K | $254K | — | View 990 |
| 2017 | $442K | $376K | $896K | $270K | — | View 990 |
Year-by-Year Financial Summary
- 2020: Revenue of $373K, expenses of $434K, and assets of $1.2M (revenue -35.2% year-over-year).
- 2019: Revenue of $575K, expenses of $455K, and assets of $1.1M (revenue +9.9% year-over-year).
- 2018: Revenue of $523K, expenses of $400K, and assets of $965K (revenue +18.2% year-over-year).
- 2017: Revenue of $442K, expenses of $376K, and assets of $896K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Cross Of Light Ministry:
Data Sources and Methodology
This transparency report for Cross Of Light Ministry is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.