Cottage Ministries Inc

Nonprofit profile at a glance

EIN
825499953
IRS 990-EZ coverage
2021–2025
Forms available
Form 990-EZ 2025, Form 990-N 2020
Location
Williamsport, PA, USA
Phone
5709795700
Rating
77
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Religion Related N.E.C.
Affiliation
Christianity

Reported finances

Revenue
$140,442
Expenses
$129,020
Assets
$334,271
Liabilities
$164,892

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

5 people listed

Executive titles in this filing

  • Duane Shenk (President)
  • Mary Shenk (Vice President)

People named in this filing

  • Steve Halstead (Board member)
  • Dominic Loffredo (Board Secretary)
  • John Biswas (Board Treasurer)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Cottage Ministries exists to engage young adults in their faith, equip them to live lives worthy of the gospel, and empower them to fulfill the Great Commission.

What it reported doing in 2025

Our Ventures missions trips are a time for learning and serving others. We travel with small groups of young adults to remote areas where we can train a group to serve those in need, and then put that training into action by serving at various locations in that area. Our teams often serve Native Americans and work to help professionals and facilities that serve the Native Americans year round. Typically these funds include some monies that go towards project supplies for improvement projects of the facilities used to serve these populations.

Operating model

Revenue model
Donor-supported. 90% of the money available for current operations came from contributions and gifts.
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 - The filed numbers largely add up and program spending has grown recently. A relatively small share of available resources goes toward mission work and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 59
  • Transparency & Controls: 100
  • Sustainability: 58
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 57%; rating input score 57
  • Program expense ratio: 62.1%; rating input score 62

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100

Sustainability

  • Operating margin: 8.1%; rating input score 51; 51st percentile among comparable filings
  • Total-asset coverage ratio: 2.59; rating input score 86; 86th percentile among comparable filings
  • Liabilities to assets ratio: 0.49; rating input score 9; 9th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 63; 63rd percentile among comparable filings

Growth

  • Program expense growth: 6.3% per year; rating input score 100; 49th percentile among comparable filings
  • Revenue growth: 9.8% per year; rating input score 100; 63rd percentile among comparable filings
  • Asset growth: 1.3% per year; rating input score 100; 30th percentile among comparable filings

Details

  • Where the money goes: 57% of revenue deployed · 62.1% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 3 filed program accomplishments · $80K in reported program spending
  • Leadership: top reported pay $0 · 5 people listed
  • Consistency: 9 of 9 current checks pass
  • Schedules: 3 filed schedules
  • Filing history: 5 filing years from 2021 to 2025
  • Contacts: How to reach this organization
  • 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.

  • Review — Financial Efficiency: Mission deployment rate scored 57/100.
  • Review — Sustainability: Operating margin scored 51/100.
  • High — Sustainability: Liabilities to assets ratio scored 9/100.