Anabaptist Financial
Nonprofit profile at a glance
- EIN
- 320158554
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Lewisburg, PA, United States
- Phone
- (800) 653-9817
- Rating
- 77
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Sector
- Financial Institutions
- Affiliation
- Christianity
Reported finances
- Revenue
- $56,415,297
- Expenses
- $51,022,198
- Assets
- $909,893,531
- Liabilities
- $879,081,595
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
20 people listed
Highest reported compensation
- PAUL A MILLER (EXECUTIVE OFFICER): $155,764 total reported compensation
- TIM THOMAS (FINANCIAL OFFICER): $153,938 total reported compensation
- MARK PEACHEY (OFFICER): $128,554 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Anabaptist Financial provides financial services to conservative Anabaptist churches, families, and businesses while promoting Biblical stewardship, mutual aid, and brotherhood assistance through our low-cost loan program. To provide stewardship connections with integrity within the conservative Anabaptist community. Our Mission To assist the brotherhood in channeling material resources within the kingdom of Christ and to provide Biblical financial counsel consistent with conservative Anabaptist beliefs and values. We live out our vision and mission through the following:.
What it reported doing in 2024
Loan program: af makes loans to anabaptist individuals, businesses, and charitable organizations. Loans include business real estate, business operating, and home mortgages. As of its current year end, af had 3,548 outstanding loans in its loan portfolio, totaling loan receivables of $849,345,771 net of a loan loss reserve of $1,774,282. These loans assist anabaptists in maintaining their religious beliefs and cultural lifestyles.
Operating model
- Revenue model
- Other-operating. 94% of the money available for current operations came from other operating revenue.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and liabilities are high compared with assets.
Rating breakdown
- Financial Efficiency: 80
- Transparency & Controls: 66
- Accountability: 82
- Sustainability: 70
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 87.5%; rating input score 87
- Program expense ratio: 95.8%; rating input score 96
- Fundraising efficiency: $0 raised per $1 spent on fundraising; rating input score 0; 0th percentile among comparable filings
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
- Pay-setting controls: 1 of 6 controls in place; rating input score 17
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Missing
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 70%; rating input score 70; 21st percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 9.6%; rating input score 71; 71st percentile among comparable filings
- Total-asset coverage ratio: 17.83; rating input score 96; 96th percentile among comparable filings
- Liabilities to assets ratio: 0.97; rating input score 8; 8th percentile among comparable filings
- Officer compensation ratio: 1.6%; rating input score 64; 64th percentile among comparable filings
Growth
- Program expense growth: 18.7% per year; rating input score 100; 91st percentile among comparable filings
- Revenue growth: 17.7% per year; rating input score 100; 92nd percentile among comparable filings
- Asset growth: 14% per year; rating input score 100; 84th percentile among comparable filings
Details
- What they do: Mission, programs, and operating context captured from the official website.
- Where the money goes: 87.5% of revenue deployed · 95.8% of spending went to programs
- Governance: 7 of 10 board members independent · 9 of 9 filing controls reported
- Programs: 2 filed program accomplishments · $48.9M in reported program spending
- Leadership: top reported pay $156K · 20 people listed · 1 of 6 pay-setting controls reported
- Consistency: 32 of 32 current checks pass
- Schedules: 6 filed schedules · includes executive pay
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 21 filed money-flow records
- Related organizations: 2 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Financial Efficiency: Fundraising efficiency scored 0/100.
- High — Sustainability: Liabilities to assets ratio scored 8/100.