True Love Academy
Nonprofit profile at a glance
- EIN
- 992945004
- IRS 990 coverage
- 2025–2025
- Forms available
- Form 990 2025, Form 990-EZ 2025
- Location
- Fort Walton Beach, FL, USA
- Phone
- 8502257654
- Rating
- 67
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Sector
- Secondary, High School
- Affiliation
- Christianity
Reported finances
- Revenue
- $209,361
- Expenses
- $178,072
- Assets
- $130,042
- Liabilities
- $612
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
3 people listed
Executive titles in this filing
- Kecai Liu (Vice President / Teacher)
- Junxin Zhao (President / Teacher)
Highest reported compensation
- Junxin Zhao (President / Teacher): $42,000 total reported compensation
- Kecai Liu (Vice President / Teacher): $38,400 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To provide Christ-centered education that supports students' academic excellence, spiritual growth, and character development, equipping them to serve God and contribute positively to society. The organization integrates academic instruction with biblical teaching and discipleship to nurture both knowledge and faith. Through personalized learning and supportive programs, it helps students build strong moral values, critical thinking skills, and a lifelong commitment to service.
What it reported doing in 2025
The organization is a faith-based nonprofit educational organization established for religious and educational purposes. Its mission is to provide Christ-centered education that supports students' academic development, character formation, and overall growth. The organization provides individualized tutoring, small-group academic instruction, academic enrichment, and test preparation services. Instruction includes core subjects such as mathematics, Bible study, language arts, and science, as well as homework assistance, academic skill development, personalized learning support, and preparation for standardized examinations such as TOEFL, IELTS, Duolingo, ACT, and SAT. The organization provides both in-person and online educational programs, including Christian-based instruction and academic enrichment. Participants who successfully complete certain coursework may receive certificates of completion. These programs are supplemental educational services and are not intended to replace accredited K-12 schooling. The organization integrates faith-based values, ethical instruction, disciplined study habits, and character development into its educational approach and serves both domestic and international students.
Operating model
- Revenue model
- Other-operating. 64% of the money available for current operations came from other operating revenue.
- Distribution model
- Direct operator. The filing allocates 96% 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 a large share of available resources goes toward mission work. A relatively small share of voting board members are independent and some filing-based governance responses are negative or unanswered.
Rating breakdown
- Financial Efficiency: 70
- Transparency & Controls: 100
- Accountability: 21
- Sustainability: 45
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 73.5%; rating input score 74
- Program expense ratio: 86.5%; rating input score 86
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 0%; rating input score 0; 8th percentile among comparable filings
- Governance controls: 4 of 8 controls in place; rating input score 50
- Conflict-of-interest policy: Pass
- Whistleblower policy: Fail
- Document-retention policy: Fail
- CEO compensation review process: Pass
- 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: 14.9%; rating input score 64; 64th percentile among comparable filings
- Total-asset coverage ratio: 0.73; rating input score 33; 33rd percentile among comparable filings
- Liabilities to assets ratio: 0; rating input score 44; 44th percentile among comparable filings
- Officer compensation ratio: 45.2%; rating input score 4; 4th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 41% per year; rating input score 100; 95th percentile among comparable filings
- Asset growth: 43.3% per year; rating input score 100; 94th percentile among comparable filings
Details
- Where the money goes: 73.5% of revenue deployed · 86.5% of spending went to programs
- Governance: 0 of 3 board members independent · 4 of 8 filing controls reported
- Programs: 1 filed program accomplishment · $154K in reported program spending
- Leadership: top reported pay $42K · 3 people listed
- Consistency: 37 of 37 current checks pass
- Schedules: 4 filed schedules · includes major donors
- Contacts: How to reach this organization
- Money network: 4 filed money-flow records
- 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 — Accountability: Independent voting board scored 0/100.
- Review — Accountability: Governance controls: 3 of 7 not reported.
- Moderate — Sustainability: Total-asset coverage ratio scored 33/100.
- High — Sustainability: Officer compensation ratio scored 4/100.
- Moderate — Sustainability: Liabilities to assets ratio scored 44/100.