M4 USA

Nonprofit profile at a glance

EIN
992345090
IRS 990 coverage
2025–2025
Forms available
Form 990 2025
Location
Colorado Springs, CO, USA
Phone
7193884923
Rating
70
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Christianity

Official website

Reported finances

Revenue
$878,814
Expenses
$820,236
Assets
$763,086
Liabilities
$704,508

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

Leadership & pay

4 people listed

Executive titles in this filing

  • JOE STOWELL (PRESIDENT)

People named in this filing

  • JOE STOWELL (PRESIDENT)
  • DAVID MEYER (SECRETARY)
  • DAVID KUNSTLE (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. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

M4 USA's primary purpose is to spread the gospel of jesus christ throughout the world by planting indigenous churches in europe and around the world. M4 USA will support indigenous church planting by making grants to churches and to nonprofit organizations with a similar purpose. M4 USA will also encourage churches in the united states to get involved in the church planting process by bringing us churches to europe to see how the church planting process operates, by raising awareness in us churches of the great need for church planting in europe and around the world, and by raising financial support for church planting in europe with us churches. M4 USA's future work will involve responding to the growing need to support church planting in europe and beyond and to build personnel capacity to support this growth.

What it reported doing in 2025

M4 connect - m4 connect is a constantly developing and very relational project which helps ukrainian church planting teams to bring hope and stability to more than 5 million ukrainian refugees in central europe, by establishing healthy, missional churches which are supported by local churches and leaders. M4 connect fosters unity and teamwork amount ukrainians through church plants that are composed of people coming from different parts of ukraine, from different churches and even different theological traditions.

Operating model

Revenue model
Donor-supported. 100% of the money available for current operations came from contributions and gifts.
Distribution model
Grant intermediary. The nonprofit sent 100% of its reported program spending out as grants.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and most voting board members are independent. The filing reports few safeguards for money sent abroad and the filing does not identify recipients for some grant dollars.

Rating breakdown

  • Financial Efficiency: 85
  • Transparency & Controls: 54
  • Accountability: 88
  • Sustainability: 45
  • Growth: NotEnoughData

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 93.3%; rating input score 93
  • Program expense ratio: 100%; rating input score 100
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 91.7%; rating input score 92; 15th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: 0 of 8 controls in place; rating input score 0
    • Claims monitoring procedures: Fail
    • Requires narrative reports: Fail
    • Conducts field audits: Fail
    • May suspend future funding: Fail
    • Requires financial reports: Fail
    • Conducts site visits: Fail
    • Requires grant agreements: Fail
    • May require repayment: Fail
  • Grant itemization coverage: 14%; rating input score 14; 30th percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 5 of 7 controls in place; rating input score 71
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 6.7%; rating input score 49; 49th percentile among comparable filings
  • Total-asset coverage ratio: 0.93; rating input score 41; 41st percentile among comparable filings
  • Liabilities to assets ratio: 0.92; rating input score 5; 5th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 78; 78th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: Limited
  • Asset growth: Limited

Details

  • Where the money goes: 93.3% of revenue deployed · 100% of spending went to programs
  • Governance: 4 of 4 board members independent · 5 of 7 filing controls reported
  • Programs: 3 filed program accomplishments · $820K in reported program spending
  • Leadership: top reported pay $0 · 4 people listed
  • Consistency: 14 of 15 current checks pass · 1 finding to review
  • Schedules: 5 filed schedules · includes major donors and foreign activity
  • Contacts: How to reach this organization
  • Money network: Resolved incoming and outgoing counterparties from filed money flows.
  • 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 — Transparency & Controls: Foreign activity oversight: 8 of 8 not reported.
  • High — Transparency & Controls: Grant itemization coverage scored 14/100.
  • Review — Accountability: Governance controls: Independent financial-statement audit not reported.
  • Moderate — Sustainability: Operating margin scored 49/100.
  • Review — Transparency & Controls: Foreign grant itemization did not reconcile in the filed values.
  • Moderate — Sustainability: Total-asset coverage ratio scored 41/100.
  • High — Sustainability: Liabilities to assets ratio scored 5/100.