Crossroads Ministries

Nonprofit profile at a glance

EIN
411998190
IRS 990-EZ coverage
2021–2025
Forms available
Form 990-EZ 2025
Location
Maplewood, MN, USA
Rating
97
Verdict
STRONG
Rating confidence
Moderate
Sector
Religion Related N.E.C.
Affiliation
Christianity

Reported finances

Revenue
$101,548
Expenses
$108,511
Assets
$264,945
Liabilities
$90

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

Leadership & pay

12 people listed

Executive titles in this filing

  • Chaz Lowder (President)
  • Robert Smith (Vice President)

People named in this filing

  • Chaz Lowder (President)
  • Drew Saterdalen (Treasurer)
  • Julie Curtis (Secretary of the Board)

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

Crossroads Chapel at the Minnesota State Fair provides Christian Witness through Sunday Worship Services scheduled performances Christian Bookstore and free Christian literature to visitors during the Minnesota State Fair.

What it reported doing in 2025

Crossroads Chapel at the MN State Fair provides Christian Witness through Sunday worship services daily performances Christian bookstore and free Christian literature. Approximately 200,000 people visited the chapel during the MN State Fair. The Christian bookstore had sales of $39,204 in 2025. Crossroads Chapel paid $22,050 to speakers bands and magic show performers during the 2025 MN State Fair.

Operating model

Revenue model
Donor-supported. 85% of the money available for current operations came from contributions and gifts.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filed totals do not add up and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 100
  • Transparency & Controls: 100
  • Sustainability: 40
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 100%; rating input score 100
  • Program expense ratio: 100%; rating input score 100

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: -6.9%; rating input score 17; 17th percentile among comparable filings
  • Total-asset coverage ratio: 2.44; rating input score 84; 84th percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 47; 47th percentile among comparable filings
  • Officer compensation ratio: 17.3%; rating input score 18; 18th percentile among comparable filings

Growth

  • Program expense growth: 18.2% per year; rating input score 100; 72nd percentile among comparable filings
  • Revenue growth: 3% per year; rating input score 100; 33rd percentile among comparable filings
  • Asset growth: 3.3% per year; rating input score 100; 37th percentile among comparable filings

Details

  • Where the money goes: 100% of revenue deployed · 100% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 1 filed program accomplishment · $131K in reported program spending
  • Leadership: top reported pay $0 · 12 people listed
  • Consistency: 7 of 8 current checks pass · 1 finding to review
  • Schedules: 4 filed schedules
  • Filing history: 5 filing years from 2021 to 2025
  • Contacts: How to reach this organization
  • Money network: 5 filed money-flow records
  • Related organizations: Filed and resolved organization relationships.
  • 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.

  • Moderate — Transparency & Controls: Part III program expenses within total did not reconcile in the filed values.
  • High — Sustainability: Operating margin scored 17/100.
  • High — Sustainability: Officer compensation ratio scored 18/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 47/100.