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Nonprofiteer
← CHRISTIAN HEALTHCARE MINISTRIES INC

Form 990 for tax year 2024

Filed by CHRISTIAN HEALTHCARE MINISTRIES INC.

Totals

Total revenue
$754,679,157
Total expenses
$710,634,272
Contributions and grants received
$745,385,789
Grants paid
$424,380
Program service revenue
$0
Investment income
$9,035,892
Other revenue
$257,476
Total assets, end of year
$292,833,908
Total liabilities, end of year
$6,100,203
Net assets or fund balances, end of year
$286,733,705
Program services expenses (Part IX)
$681,763,135
Management and general expenses
$10,650,066
Fundraising expenses
$18,221,071
Program service expenses (Part III)
$681,763,135

Program services were 95.9% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

  • 1f · All other contributions, gifts and grants

    $745,385,789

  • 3 · Investment income

    total $8,663,033 · excluded $8,663,033

  • 7a · Gross sales of assets other than inventory

    securities $357,513 · other assets $15,346

  • 7b · Less cost or other basis and sales expenses

    securities $0 · other assets $0

  • 7c · Gain or loss

    securities $357,513 · other assets $15,346

  • 7d · Net gain or loss

    total $372,859 · excluded $372,859

  • 11a · Other revenue: MISCELLANEOUS REVENUE

    total $257,476 · excluded $257,476

  • 11e · Other revenue, total

    $257,476

Functional expenses

Part IX, the statement of functional expenses.

  • 1 · Grants to domestic organizations and governments

    total $424,380 · program services $424,380

  • 4 · Benefits paid to or for members

    total $644,567,557 · program services $644,567,557

  • 5 · Compensation of officers, directors and key employees

    total $1,034,017 · program services $747,095 · management and general $232,931 · fundraising $53,991

  • 7 · Other salaries and wages

    total $24,867,065 · program services $17,966,864 · management and general $5,601,753 · fundraising $1,298,448

  • 8 · Pension plan contributions

    total $1,181,918 · program services $920,450 · management and general $207,652 · fundraising $53,816

  • 9 · Other employee benefits

    total $3,151,026 · program services $2,453,597 · management and general $553,913 · fundraising $143,516

  • 10 · Payroll taxes

    total $2,105,079 · program services $1,637,237 · management and general $371,737 · fundraising $96,105

  • 11b · Fees: legal

    total $127,575 · management and general $127,575

  • 11c · Fees: accounting

    total $70,416 · management and general $70,416

  • 11d · Fees: lobbying

    total $11,010 · program services $11,010

  • 11f · Fees: investment management

    total $666,767 · management and general $666,767

  • 11g · Fees: other

    total $1,128,305 · program services $264,178 · management and general $862,717 · fundraising $1,410

  • 12 · Advertising and promotion

    total $16,254,642 · fundraising $16,254,642

  • 13 · Office expenses

    total $1,649,684 · program services $1,472,261 · management and general $75,682 · fundraising $101,741

  • 14 · Information technology

    total $2,067,334 · program services $1,264,426 · management and general $793,667 · fundraising $9,241

  • 16 · Occupancy

    total $876,124 · program services $639,570 · management and general $192,748 · fundraising $43,806

  • 17 · Travel

    total $376,336 · program services $3,763 · management and general $334,939 · fundraising $37,634

  • 19 · Conferences, conventions and meetings

    total $114,805 · program services $83,808 · management and general $25,257 · fundraising $5,740

  • 22 · Depreciation, depletion and amortization

    total $1,191,301 · program services $869,650 · management and general $262,086 · fundraising $59,565

  • 23 · Insurance

    total $93,854 · program services $68,513 · management and general $20,648 · fundraising $4,693

  • 24a · Other expenses: BANK SERVICE CHARGES

    total $7,540,630 · program services $7,540,630

  • 24b · Other expenses: MISCELLANEOUS EXPENSES

    total $498,415 · program services $363,843 · management and general $109,651 · fundraising $24,921

  • 24c · Other expenses: REPAIRS & MAINTENANCE

    total $380,015 · program services $277,411 · management and general $83,603 · fundraising $19,001

  • 24d · Other expenses: DUES & SUBSCRIPTIONS

    total $247,244 · program services $180,488 · management and general $54,394 · fundraising $12,362

  • 24e · All other expenses

    total $8,773 · program services $6,404 · management and general $1,930 · fundraising $439

Balance sheet

Part X, book values.

  • 2 · Savings and temporary cash investments

    beginning of year $102,864,890 · end of year $94,842,734

  • 9 · Prepaid expenses and deferred charges

    beginning of year $1,099,446 · end of year $1,124,906

  • 10a · Land, buildings and equipment: cost or other basis

    $22,655,430

  • 10b · Land, buildings and equipment: accumulated depreciation

    $6,104,472

  • 10c · Land, buildings and equipment, net

    beginning of year $14,237,884 · end of year $16,550,958

  • 11 · Investments: publicly traded securities

    beginning of year $126,518,871 · end of year $179,655,724

  • 14 · Intangible assets

    beginning of year $576,572 · end of year $576,572

  • 15 · Other assets

    beginning of year $129,001 · end of year $83,014

  • 17 · Accounts payable and accrued expenses

    beginning of year $5,917,040 · end of year $6,100,203

  • 27 · Net assets without donor restrictions

    beginning of year $239,509,624 · end of year $286,733,705

Mission and programs · 2024

Mission

TO GLORIFY GOD, SHOW CHRISTIAN LOVE, AND EXPERIENCE GOD'S PRESENCE AS CHRISTIANS SHARE EACH OTHER'S MEDICAL BILLS.

  •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

    Expenses $681,763,135 · Grants $424,380

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Listed in Part VII

  • J CRAIG BROWN II

    CEO, PRESIDENT, DIRECTOR

    Total calculated
    $556,897
    From this org
    $538,864
    From related orgs
    $0
    Other
    $18,033
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $372,261
    Bonus
    $127,640
    Other
    $38,963
    Deferred
    $0
    Nontaxable benefits
    $18,033
    Filer's total
    $556,897

  • ROY HAMILTON

    CHAIRMAN

    Total calculated
    $17,000
    From this org
    $17,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • JOSEPH EMERT

    VICE CHAIRMAN

    Total calculated
    $11,900
    From this org
    $11,900
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • DR CAROL PETERS-TANKSLEY

    SECRETARY

    Total calculated
    $18,200
    From this org
    $18,200
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • DANIEL BRAKE

    DIRECTOR

    Total calculated
    $12,600
    From this org
    $12,600
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • JAMES DETWILER

    DIRECTOR THRU DEC 2024

    Total calculated
    $10,500
    From this org
    $10,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • CLAUDE HOPPER

    DIRECTOR

    Total calculated
    $4,200
    From this org
    $4,200
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • BRUCE HUGILL

    DIRECTOR THRU JAN 2024

    Total calculated
    $5,600
    From this org
    $5,600
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • ROB KOPP

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • JEFF YOUNT

    DIRECTOR

    Total calculated
    $7,000
    From this org
    $7,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • CHARITY BEALL

    VICE PRESIDENT, CFO

    Total calculated
    $229,655
    From this org
    $199,774
    From related orgs
    $0
    Other
    $29,881
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $178,462
    Bonus
    $19,003
    Other
    $2,309
    Deferred
    $11,848
    Nontaxable benefits
    $18,033
    Filer's total
    $229,655

  • DERRILL WAKEFIELD

    VICE PRESIDENT, CIO

    Total calculated
    $247,465
    From this org
    $221,564
    From related orgs
    $0
    Other
    $25,901
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $180,309
    Bonus
    $39,092
    Other
    $2,163
    Deferred
    $10,008
    Nontaxable benefits
    $15,893
    Filer's total
    $247,465

  • RICH BOCHART

    VICE PRESIDENT

    Total calculated
    $246,773
    From this org
    $212,898
    From related orgs
    $0
    Other
    $33,875
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $176,731
    Bonus
    $33,898
    Other
    $2,269
    Deferred
    $12,638
    Nontaxable benefits
    $21,237
    Filer's total
    $246,773

  • NORMA MULL

    VICE PRESIDENT

    Total calculated
    $167,659
    From this org
    $152,907
    From related orgs
    $0
    Other
    $14,752
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $133,573
    Bonus
    $18,138
    Other
    $1,196
    Deferred
    $13,559
    Nontaxable benefits
    $1,193
    Filer's total
    $167,659

  • LAUREN GAJDEK

    VICE PRESIDENT

    Total calculated
    $170,898
    From this org
    $144,437
    From related orgs
    $0
    Other
    $26,461
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $130,125
    Bonus
    $10,834
    Other
    $3,478
    Deferred
    $8,428
    Nontaxable benefits
    $18,033
    Filer's total
    $170,898

  • DAVID ZAHN

    VICE PRESIDENT

    Total calculated
    $216,634
    From this org
    $190,996
    From related orgs
    $0
    Other
    $25,638
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $186,611
    Bonus
    $3,703
    Other
    $682
    Deferred
    $12,736
    Nontaxable benefits
    $12,902
    Filer's total
    $216,634

  • DENNIS MCGLONE

    DIRECTOR OF PROJECT MANAGEMENT

    Total calculated
    $172,971
    From this org
    $160,212
    From related orgs
    $0
    Other
    $12,759
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $139,319
    Bonus
    $19,304
    Other
    $1,589
    Deferred
    $9,738
    Nontaxable benefits
    $3,021
    Filer's total
    $172,971

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

  • 1a · First-class or charter travel
  • 1a · Travel for companions
  • 1a · Tax indemnification and gross-up payments
  • 1a · Housing allowance or residence for personal use
  • 1b · Written policy on the line-1a expenses
  • 2 · Substantiation required before reimbursing expenses
  • 3 · Compensation committee
  • 3 · Independent compensation consultant
  • 3 · Form 990 of other organizations
  • 3 · Written employment contract
  • 3 · Compensation survey or study
  • 3 · Approval by the board or compensation committee
  • 7 · Other non-fixed payments

Answered no

  • 4a · Severance or change-of-control payment
  • 4b · Supplemental nonqualified retirement plan
  • 4c · Equity-based compensation arrangement
  • 5a · Pay contingent on this organization's revenues
  • 5b · Pay contingent on a related organization's revenues
  • 6a · Pay contingent on this organization's net earnings
  • 6b · Pay contingent on a related organization's net earnings
  • 8 · Paid under the initial-contract exception

The filer's explanations (Part III)

PART I, LINE 7
NON-FIXED PAYMENTS IN THE FORM OF BONUSES, WHICH ARE REPORTED IN PART II, COLUMN (B)(II), WHERE PAID BASED ON SATISFACTION OF PERFORMANCE TARGETS, WHICH VARIED BY DEPARTMENT. THESE PAYMENTS WERE DISCRETIONARY AND WERE NOT TIED TO A CONTRACT

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

The 10 largest by cash amount. The API serves every itemized grant.

Provenance

Return type
form_990
Tax year
2024
Filed
1 November 2025
IRS schema version
2024v5.2
Source object
202503079349302035

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