Christian Healthcare Ministries 
The information on this page was last updated 2/17/2026. If you see errors or omissions, please email: [email protected]
Summary
A faith-based alternative to health insurance.
Contact information
Mailing address:
Christian Healthcare Ministries
127 Hazelwood Avenue
Barberton, OH 44203
Website: chministries.org
Phone: 1-800-791-6225
Email: [email protected]
Organization details
EIN: 341964742
CEO/President: J. Craig Brown
Chairman: Roy Hamilton
Board size: 9
Founder:
Ruling year: 2003
Tax deductible: Yes
Fiscal year end: 12/31
Member of ECFA: No
Member of ECFA since:
Purpose
Our biblical community of members in all 50 states and around the world works together to share (voluntarily pay) the burden of medical expenses as we put Galatians 6:2 in action.
Mission statement
Our mission is to glorify God, show Christian love, and experience God's presence as Christians share each other's medical bills.
Statement of faith
Articles
Donor confidence score
Show donor confidence score details
To understand our donor confidence score, click here.
Transparency grade
D
To understand our transparency grade, click here.
Financial efficiency ratings
Sector: Healthcare Sharing
| Category | Rating | Overall rank | Sector rank |
| Overall efficiency rating | | 105 of 1420 | 1 of 6 |
| Fund acquisition rating | | 2 of 1420 | 2 of 6 |
| Resource allocation rating | | 136 of 1420 | 1 of 6 |
| Asset utilization rating | | 660 of 1421 | 3 of 6 |
To understand our financial efficiency ratings, click here.
Financial ratios
| Funding ratios | Sector median | 2024 | 2023 | 2022 | 2021 | 2020 |
Return on fundraising efforts Return on fundraising efforts = Fundraising expense / Total contributions | 1% | 2% | 3% | 1% | 1% | 1% |
Fundraising cost ratio Fundraising cost ratio = Fundraising expense / Total revenue | 1% | 2% | 3% | 1% | 1% | 1% |
Contributions reliance Contributions reliance = Total contributions / Total revenue | 5% | 99% | 99% | 100% | 99% | 99% |
Fundraising expense ratio Fundraising expense ratio = Fundraising expense / Total expenses | 1% | 3% | 4% | 1% | 1% | 1% |
Other revenue reliance Other revenue reliance = Total other revenue / Total revenue | 95% | 1% | 1% | 0% | 1% | 1% |
| Operating ratios | Sector median | 2024 | 2023 | 2022 | 2021 | 2020 |
Program expense ratio Program expense ratio = Program services / Total expenses | 79% | 96% | 95% | 98% | 98% | 98% |
Spending ratio Spending ratio = Total expenses / Total revenue | 92% | 94% | 91% | 96% | 98% | 101% |
Program output ratio Program output ratio = Program services / Total revenue | 78% | 90% | 86% | 94% | 97% | 99% |
Savings ratio Savings ratio = Surplus (deficit) / Total revenue | 8% | 6% | 9% | 4% | 2% | -1% |
Reserve accumulation rate Reserve accumulation rate = Surplus (deficit) / Net assets | 21% | 15% | 31% | 18% | 8% | -3% |
General and admin ratio General and admin ratio = Management and general expense / Total expenses | 15% | 1% | 1% | 1% | 1% | 1% |
| Investing ratios | Sector median | 2024 | 2023 | 2022 | 2021 | 2020 |
Total asset turnover Total asset turnover = Total expenses / Total assets | 2.28 | 2.43 | 2.90 | 4.39 | 4.64 | 4.70 |
Degree of long-term investment Degree of long-term investment = Total assets / Total current assets | 1.10 | 1.06 | 1.06 | 1.08 | 1.07 | 1.06 |
Current asset turnover Current asset turnover = Total expenses / Total current assets | 2.92 | 2.58 | 3.08 | 4.76 | 4.97 | 5.00 |
| Liquidity ratios | Sector median | 2024 | 2023 | 2022 | 2021 | 2020 |
Current ratio Current ratio = Total current assets / Total current liabilities | 11.61 | 45.18 | 38.95 | 32.38 | 48.16 | 41.35 |
Current liabilities ratio Current liabilities ratio = Total current liabilities / Total current assets | 0.09 | 0.02 | 0.03 | 0.03 | 0.02 | 0.02 |
Liquid reserve level Liquid reserve level = (Total current assets - Total current liabilities) / (Total expenses / 12) | 3.97 | 4.55 | 3.79 | 2.44 | 2.37 | 2.34 |
| Solvency ratios | Sector median | 2024 | 2023 | 2022 | 2021 | 2020 |
Liabilities ratio Liabilities ratio = Total liabilities / Total assets | 20% | 2% | 2% | 3% | 2% | 4% |
Debt ratio Debt ratio = Debt / Total assets | 0% | 0% | 0% | 0% | 0% | 2% |
Reserve coverage ratio Reserve coverage ratio = Net assets / Total expenses | 38% | 40% | 34% | 22% | 21% | 20% |
Financials
| Balance sheet | |||||
| Assets | 2024 | 2023 | 2022 | 2021 | 2020 |
| Cash | $94,842,734 | $102,864,890 | $42,157,204 | $16,307,740 | $54,541,039 |
| Receivables, inventories, prepaids | $1,124,906 | $1,099,446 | $640,150 | $445,819 | $1,131,211 |
| Short-term investments | $179,655,724 | $126,518,871 | $109,203,752 | $118,795,329 | $71,586,552 |
| Other current assets | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $275,623,364 | $230,483,207 | $152,001,106 | $135,548,888 | $127,258,802 |
| Long-term investments | $0 | $0 | $0 | $0 | $0 |
| Fixed assets | $16,550,958 | $14,237,884 | $11,898,873 | $8,822,463 | $7,471,996 |
| Other long-term assets | $659,586 | $705,573 | $712,201 | $779,965 | $608,075 |
| Total long-term assets | $17,210,544 | $14,943,457 | $12,611,074 | $9,602,428 | $8,080,071 |
| Total assets | $292,833,908 | $245,426,664 | $164,612,180 | $145,151,316 | $135,338,873 |
| Liabilities | 2024 | 2023 | 2022 | 2021 | 2020 |
| Payables and accrued expenses | $6,100,203 | $5,917,040 | $4,694,520 | $2,814,374 | $3,077,508 |
| Other current liabilities | $0 | $0 | $0 | $0 | $0 |
| Total current liabilities | $6,100,203 | $5,917,040 | $4,694,520 | $2,814,374 | $3,077,508 |
| Debt | $0 | $0 | $0 | $0 | $2,562,030 |
| Due to (from) affiliates | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $0 | $0 | $0 | $0 | $0 |
| Total long-term liabilities | $0 | $0 | $0 | $0 | $2,562,030 |
| Total liabilities | $6,100,203 | $5,917,040 | $4,694,520 | $2,814,374 | $5,639,538 |
| Net assets | 2024 | 2023 | 2022 | 2021 | 2020 |
| Without donor restrictions | $286,733,705 | $239,509,624 | $159,917,660 | $142,336,942 | $129,682,161 |
| With donor restrictions | $0 | $0 | $0 | $0 | $17,174 |
| Net assets | $286,733,705 | $239,509,624 | $159,917,660 | $142,336,942 | $129,699,335 |
| Revenues and expenses | |||||
| Revenue | 2024 | 2023 | 2022 | 2021 | 2020 |
| Total contributions | $745,385,789 | $778,593,183 | $750,718,199 | $676,409,282 | $629,901,603 |
| Program service revenue | $0 | $0 | $0 | $0 | $0 |
| Membership dues | $0 | $0 | $0 | $0 | $0 |
| Investment income | $9,035,892 | $5,227,793 | $1,949,330 | $3,220,340 | $3,368,627 |
| Other revenue | $257,476 | $224,798 | $244,872 | $4,850,805 | $91,639 |
| Total other revenue | $9,293,368 | $5,452,591 | $2,194,202 | $8,071,145 | $3,460,266 |
| Total revenue | $754,679,157 | $784,045,774 | $752,912,401 | $684,480,427 | $633,361,869 |
| Expenses | 2024 | 2023 | 2022 | 2021 | 2020 |
| Program services | $681,763,135 | $676,060,817 | $706,317,799 | $661,821,399 | $626,205,856 |
| Management and general | $10,650,066 | $7,894,846 | $6,335,195 | $4,970,254 | $3,774,214 |
| Fundraising | $18,221,071 | $26,924,736 | $10,755,763 | $6,251,085 | $6,656,004 |
| Total expenses | $710,634,272 | $710,880,399 | $723,408,757 | $673,042,738 | $636,636,074 |
| Change in net assets | 2024 | 2023 | 2022 | 2021 | 2020 |
| Surplus (deficit) | $44,044,885 | $73,165,375 | $29,503,644 | $11,437,689 | ($3,274,205) |
| Other changes in net assets | $0 | $0 | $0 | $0 | $0 |
| Total change in net assets | $44,044,885 | $73,165,375 | $29,503,644 | $11,437,689 | ($3,274,205) |
Compensation
| Name | Title | Compensation |
| J Craig Brown II | CEO, President, Director | $556,897 |
| Derrill Wakefield | Vice President, CIO | $247,465 |
| Rich Bochart | Vice President | $246,773 |
| Charity Beall | Vice President, CFO | $229,655 |
| David Zahn | Vice President | $216,634 |
| Dennis McGlone | Director of Project Management | $172,971 |
| Lauren Gajdek | Vice President | $170,898 |
| Norma Mull | Vice President | $167,659 |
| Dr Carol Peters-Tanksley | Secretary | $18,200 |
| Roy Hamilton | Chairman | $17,000 |
| Daniel Brake | Director | $12,600 |
| Joseph Emert | Vice Chairman | $11,900 |
| James Detwiler | Director Thru Dec 2024 | $10,500 |
| Jeff Yount | Director | $7,000 |
| Bruce Hugill | Director Thru Jan 2024 | $5,600 |
| Claude Hopper | Director | $4,200 |
Compensation data as of: 12/31/2024
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 2/17/2026. To update the information below, please email: [email protected]
History
Christian Healthcare Ministries (CHM) was established in 1981. As the nation's first and longest-serving health cost sharing ministry, CHM provides a cost-effective, accountable, and faith-based framework-health cost sharing-to help fellow believers facing a health crisis. The ministry shares 100 percent of eligible medical bills and overall has satisfied over $12 billion in members' healthcare costs.