Refuge for Women 
The information on this page was last updated 8/3/2026. If you see errors or omissions, please email: [email protected]
Summary
Refuge for Women is a non-profit, faith based organization providing specialized long-term housing and emergency housing for women who have escaped human trafficking or sexual exploitation. With multiple locations across the U.S., Refuge for Women offers up to twelve months of safe housing, at no charge to the resident, with around the clock care as clients progress through evidence-based, trauma-informed programming. We strive to help each woman complete the program with a vision for her future, equipped to succeed and sustain a life marked with dignity and hope.
Contact information
Mailing address:
Refuge for Women
1305 Halsell Street #142
Bridgeport, TX 76426
Website: refugeforwomen.org
Phone: 940-331-0042
Email: [email protected]
Organization details
EIN: 264388243
CEO/President: Abby Germer
Chairman: Karen Schultz
Board size: 6
Founder: Ked and Michelle Frank
Ruling year: 2010
Tax deductible: Yes
Fiscal year end: 12/31
Member of ECFA: Yes
Member of ECFA since: 2016
Purpose
Vision: That every woman who is sexually exploited will have the hope, support, and tools needed to pursue her dreams and live a life of freedom.
Mission statement
To empower sexually exploited women to live a life of freedom through faith-based, residential healing programs.
Statement of faith
We believe in one God who is Father, Son and Holy Spirit.
We believe God is Creator, Sustainer and Ruler of all things.
We believe in Jesus Christ, perfectly God and perfectly human, God's only Son and Savior of the world.
We believe the Holy Spirit dwells within each believer so that they may dwell in unity with Christ and other believers as well as produce good fruit.
We believe the Bible is the inspired Word of God and the final authority for all matters of faith and practice.
We believe that humanity willfully sinned and as a result is lost and without hope apart from Jesus Christ.
We believe Jesus Christ has by his death on the cross made atonement for all so that each one who believes may be saved and receive the gift of eternal life.
We believe salvation comes through the person of Jesus Christ, repentance of sin, acknowledgment of Christ as Lord, and union to the church as the body of Christ.
We believe in a final judgement of all humanity and that each person will be accorded eternal life or death according to the Word of God.
We believe in God's design for biblical marriage and sexuality.
Articles
| 9/25/2023 | Tyndale House's Book Donation, Refuge for Women's New Director, and Wycliffe Bible Translation Completion |
Donor confidence score
Show donor confidence score details
To understand our donor confidence score, click here.
Transparency grade
A
To understand our transparency grade, click here.
Financial efficiency ratings
Sector: Anti-Trafficking
| Category | Rating | Overall rank | Sector rank |
| Overall efficiency rating | | 627 of 1485 | 14 of 23 |
| Fund acquisition rating | | 703 of 1485 | 13 of 23 |
| Resource allocation rating | | 805 of 1485 | 15 of 23 |
| Asset utilization rating | | 555 of 1486 | 15 of 23 |
According to the organization's Form 990, it received $113,436 in government grants in 2025.
To understand our financial efficiency ratings, click here.
Financial ratios
| Funding ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Return on fundraising efforts Return on fundraising efforts = Fundraising expense / Total contributions | 7% | 7% | 17% | 14% | 13% | 6% |
Fundraising cost ratio Fundraising cost ratio = Fundraising expense / Total revenue | 7% | 7% | 16% | 13% | 11% | 6% |
Contributions reliance Contributions reliance = Total contributions / Total revenue | 97% | 99% | 97% | 94% | 85% | 97% |
Fundraising expense ratio Fundraising expense ratio = Fundraising expense / Total expenses | 8% | 8% | 16% | 11% | 12% | 9% |
Other revenue reliance Other revenue reliance = Total other revenue / Total revenue | 3% | 1% | 3% | 6% | 15% | 3% |
| Operating ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Program expense ratio Program expense ratio = Program services / Total expenses | 83% | 82% | 63% | 71% | 74% | 74% |
Spending ratio Spending ratio = Total expenses / Total revenue | 92% | 92% | 105% | 118% | 94% | 74% |
Program output ratio Program output ratio = Program services / Total revenue | 75% | 75% | 66% | 83% | 69% | 55% |
Savings ratio Savings ratio = Surplus (deficit) / Total revenue | 8% | 8% | -5% | -18% | 6% | 26% |
Reserve accumulation rate Reserve accumulation rate = Surplus (deficit) / Net assets | 12% | 11% | -5% | -15% | 8% | 35% |
General and admin ratio General and admin ratio = Management and general expense / Total expenses | 9% | 10% | 21% | 18% | 14% | 17% |
| Investing ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Total asset turnover Total asset turnover = Total expenses / Total assets | 1.02 | 0.94 | 0.79 | 0.76 | 0.81 | 0.70 |
Degree of long-term investment Degree of long-term investment = Total assets / Total current assets | 1.75 | 2.84 | 3.82 | 3.27 | 2.58 | 2.52 |
Current asset turnover Current asset turnover = Total expenses / Total current assets | 1.58 | 2.67 | 3.04 | 2.49 | 2.09 | 1.76 |
| Liquidity ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Current ratio Current ratio = Total current assets / Total current liabilities | 16.96 | 35.04 | 31.98 | 75.35 | 20.58 | 22.91 |
Current liabilities ratio Current liabilities ratio = Total current liabilities / Total current assets | 0.04 | 0.03 | 0.03 | 0.01 | 0.05 | 0.04 |
Liquid reserve level Liquid reserve level = (Total current assets - Total current liabilities) / (Total expenses / 12) | 6.83 | 4.36 | 3.83 | 4.76 | 5.46 | 6.51 |
| Solvency ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Liabilities ratio Liabilities ratio = Total liabilities / Total assets | 7% | 20% | 30% | 25% | 29% | 28% |
Debt ratio Debt ratio = Debt / Total assets | 0% | 18% | 27% | 24% | 24% | 26% |
Reserve coverage ratio Reserve coverage ratio = Net assets / Total expenses | 88% | 85% | 88% | 98% | 88% | 103% |
Financials
| Balance sheet | |||||
| Assets | 2025 | 2024 | 2023 | 2022 | 2021 |
| Cash | $1,555,794 | $1,399,772 | $1,624,131 | $2,159,401 | $2,017,503 |
| Receivables, inventories, prepaids | $407,398 | $105,235 | $107,221 | $149,667 | $143,435 |
| Short-term investments | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $1,963,192 | $1,505,007 | $1,731,352 | $2,309,068 | $2,160,938 |
| Long-term investments | $0 | $0 | $0 | $0 | $0 |
| Fixed assets | $3,347,593 | $3,800,658 | $3,460,476 | $3,344,992 | $3,268,670 |
| Other long-term assets | $267,304 | $442,633 | $467,335 | $309,710 | $12,446 |
| Total long-term assets | $3,614,897 | $4,243,291 | $3,927,811 | $3,654,702 | $3,281,116 |
| Total assets | $5,578,089 | $5,748,298 | $5,659,163 | $5,963,770 | $5,442,054 |
| Liabilities | 2025 | 2024 | 2023 | 2022 | 2021 |
| Payables and accrued expenses | $56,032 | $47,055 | $22,978 | $112,174 | $94,330 |
| Other current liabilities | $0 | $0 | $0 | $0 | $0 |
| Total current liabilities | $56,032 | $47,055 | $22,978 | $112,174 | $94,330 |
| Debt | $993,038 | $1,541,256 | $1,363,581 | $1,413,777 | $1,427,293 |
| Due to (from) affiliates | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $92,180 | $144,412 | $55,025 | $186,512 | $0 |
| Total long-term liabilities | $1,085,218 | $1,685,668 | $1,418,606 | $1,600,289 | $1,427,293 |
| Total liabilities | $1,141,250 | $1,732,723 | $1,441,584 | $1,712,463 | $1,521,623 |
| Net assets | 2025 | 2024 | 2023 | 2022 | 2021 |
| Without donor restrictions | $4,257,162 | $3,814,306 | $4,001,530 | $4,068,657 | $3,704,931 |
| With donor restrictions | $179,677 | $201,269 | $216,049 | $182,650 | $215,500 |
| Net assets | $4,436,839 | $4,015,575 | $4,217,579 | $4,251,307 | $3,920,431 |
| Revenues and expenses | |||||
| Revenue | 2025 | 2024 | 2023 | 2022 | 2021 |
| Total contributions | $5,664,406 | $4,226,478 | $3,451,269 | $4,401,885 | $5,025,146 |
| Program service revenue | $19,685 | $13,092 | $16,297 | $39,598 | $0 |
| Membership dues | $0 | $0 | $0 | $0 | $0 |
| Investment income | $10,672 | $0 | $79,196 | $709,209 | $42 |
| Other revenue | $27,744 | $126,334 | $110,400 | $7,006 | $141,699 |
| Total other revenue | $58,101 | $139,426 | $205,893 | $755,813 | $141,741 |
| Total revenue | $5,722,507 | $4,365,904 | $3,657,162 | $5,157,698 | $5,166,887 |
| Expenses | 2025 | 2024 | 2023 | 2022 | 2021 |
| Program services | $4,284,910 | $2,876,859 | $3,041,693 | $3,557,066 | $2,832,845 |
| Management and general | $543,854 | $972,882 | $796,954 | $691,971 | $648,501 |
| Fundraising | $420,150 | $718,167 | $470,825 | $577,785 | $325,331 |
| Total expenses | $5,248,914 | $4,567,908 | $4,309,472 | $4,826,822 | $3,806,677 |
| Change in net assets | 2025 | 2024 | 2023 | 2022 | 2021 |
| Surplus (deficit) | $473,593 | ($202,004) | ($652,310) | $330,876 | $1,360,210 |
| Other changes in net assets | $0 | $0 | $0 | $0 | $0 |
| Total change in net assets | $473,593 | ($202,004) | ($652,310) | $330,876 | $1,360,210 |
Compensation
| Name | Title | Compensation |
| Abby Germer | President | $125,746 |
Compensation data as of: 12/31/2025
Response from ministry
No response has been provided by this ministry.
The information below was provided to MinistryWatch by the ministry itself. It was last updated 8/3/2026. To update the information below, please email: [email protected]
History
Founded in 2009 by Ked and Michelle Frank, Refuge for Women, Inc. opened its first home in 2010, an 8-bed farmhouse outside Lexington, Kentucky, offering safe housing and supportive services for women trying to escape the commercial sex trade. Recognizing the breadth of need, we expanded our reach and now support female survivors of sex trafficking and sexual exploitation, age 18 and older, through specialized housing programs in or near: * Crystal Lake, Illinois * Lexington and Louisville, Kentucky * Denton and Lake Jackson, Texas * Las Vegas, Nevada
Program accomplishments
Refuge for Women currently supports approximately 125 survivors each year through evidence-based housing models uniquely designed for critical stages in their rescue and recovery: Two low-barrier Stabilization/Emergency homes; Four long-term Restoration homes; Three Reintegration Programs/Transitional Living homes; and One 24-unit affordable housing survivor-only apartment complex for women and their children.