Word of Life Fellowship

The information in this column was provided to MinistryWatch by the ministry itself. It was last updated 8/11/2021. To update the information in this column, please email: info@ministrywatch.com


Word of Life is a non-denominational Christian organization that creates faith-defining experiences that give students and families the opportunity to encounter God and grow in their spiritual walks.

Contact information

Mailing address:
Word of Life Fellowship
PO Box 600
Schroon Lake, NY 12870

Website: wol.org

Phone: 518-494-6000

Email: info@wol.org

Organization details

EIN: 135648615

CEO/President: Mr. Donald H. Lough Jr.

Chairman: Donald Lough

Board size: 27

Founder: Jack Wyrtzen

Ruling year: 1945

Tax deductible: Yes

Fiscal year end: 12/30

Member of ECFA: Yes

Member of ECFA since: 2012


These distinctions are what separate us: a strategic focus on evangelism, a burden for the youth of the world, relational discipleship, strong biblical teaching, the power of daily time in the Bible, exciting programs and activities, the important of scripture memory, a progressive approach to ministry, and offering great value at every event.

Mission statement

The purpose of Word of Life Fellowship, Inc. worldwide is the evangelization and discipleship of youth through various means consistent with the Holy Scriptures to help build and strengthen the Church of Jesus Christ.

Statement of faith

We believe that the Scriptures of the Old and New Testament are verbally inspired of God, and they are without error in the original writings, and they are the supreme and final authority for faith and life.

We believe in one God, Creator and Sustainer of the universe, Who is eternally existent in three persons - Father, Son, and Holy Spirit.

We believe in the Deity of Jesus Christ, His virgin birth, sinless life, His death to pay the penalty for everyone's sins, His bodily resurrection, His exaltation at God's right hand, and His personal, imminent, pretribulational and premillennial return.

We believe that all have sinned and are therefore guilty before God and are under His condemnation.

We believe that all who by faith receive Jesus Christ are born again of the Holy Spirit, therefore children of God and eternally saved, and that the Holy Spirit dwells within every believer to enlighten, guide, and enable the believer in life, testimony, and service.

We believe that God answers the prayers of His people and meets their needs according to His purpose.

We believe that God gives spiritual gifts to all believers for the building up of the body of Christ. However, the miraculous sign-gifts of the Spirit, such as tongues and healings, were limited to the early church.

We believe in the bodily resurrection of the just and unjust, the everlasting blessedness of the saved in Glory and the everlasting conscious punishment of the lost in hell.

We believe that all believers are called to a life of separation from all worldly and sinful practices and alliances.

We believe that from the beginning with Adam and Eve, God ordained marriage as only between one man and one woman. All sexual activity outside of this biblical definition of marriage, including homosexual practices, is in direct contradiction to God's Word and His intention for the institution of the home.

Donor confidence score

Show donor confidence score details

Transparency grade


To understand our transparency grade, click here.

Financial efficiency ratings

Sector: Evangelism

CategoryRatingOverall rankSector rank
Overall efficiency rating536 of 101022 of 45
Fund acquisition rating494 of 101222 of 45
Resource allocation rating148 of 10127 of 45
Asset utilization rating929 of 101040 of 45

Financial ratios

Funding ratiosSector median20192018201720162015
Return on fundraising efforts Return on fundraising efforts =
Fundraising expense /
Total contributions
Fundraising cost ratio Fundraising cost ratio =
Fundraising expense /
Total revenue
Contributions reliance Contributions reliance =
Total contributions /
Total revenue
Fundraising expense ratio Fundraising expense ratio =
Fundraising expense /
Total expenses
Other revenue reliance Other revenue reliance =
Total other revenue /
Total revenue
Operating ratiosSector median20192018201720162015
Program expense ratio Program expense ratio =
Program services /
Total expenses
Spending ratio Spending ratio =
Total expenses /
Total revenue
Program output ratio Program output ratio =
Program services /
Total revenue
Savings ratio Savings ratio =
Surplus (deficit) /
Total revenue
Reserve accumulation rate Reserve accumulation rate =
Surplus (deficit) /
Net assets
General and admin ratio General and admin ratio =
Management and general expense /
Total expenses
Investing ratiosSector median20192018201720162015
Total asset turnover Total asset turnover =
Total expenses /
Total assets
Degree of long-term investment Degree of long-term investment =
Total assets /
Total current assets
Current asset turnover Current asset turnover =
Total expenses /
Total current assets
Liquidity ratiosSector median20192018201720162015
Current ratio Current ratio =
Total current assets /
Total current liabilities
Current liabilities ratio Current liabilities ratio =
Total current liabilities /
Total current assets
Liquid reserve level Liquid reserve level =
(Total current assets -
Total current liabilities) /
(Total expenses / 12)
Solvency ratiosSector median20192018201720162015
Liabilities ratio Liabilities ratio =
Total liabilities /
Total assets
Debt ratio Debt ratio =
Debt /
Total assets
Reserve coverage ratio Reserve coverage ratio =
Net assets /
Total expenses


Balance sheet
Receivables, inventories, prepaids$9,803,213$15,835,217$2,145,700$2,010,009$9,357,136
Short-term investments$3,729,132$3,384,171$3,787,275$3,747,290$4,315,642
Other current assets$0$0$0$0$0
Total current assets$19,642,624$23,956,523$10,560,674$12,195,590$20,174,330
Long-term investments$0$0$0$0$0
Fixed assets$58,763,870$45,067,288$41,625,807$38,700,623$28,135,249
Other long-term assets$82,500$96,250$110,000$123,750$137,500
Total long-term assets$58,846,370$45,163,538$41,735,807$38,824,373$28,272,749
Total assets$78,488,994$69,120,061$52,296,481$51,019,963$48,447,079
Payables and accrued expenses$2,785,381$1,989,078$1,669,929$2,265,802$1,718,670
Other current liabilities$1,676,909$1,675,205$1,966,743$1,940,794$3,103,269
Total current liabilities$4,462,290$3,664,283$3,636,672$4,206,596$4,821,939
Due to (from) affiliates$0$0$0$0$0
Other long-term liabilities$800,351$955,868$1,034,543$1,126,145$1,483,329
Total long-term liabilities$2,901,752$2,955,868$1,034,543$1,531,224$3,199,939
Total liabilities$7,364,042$6,620,151$4,671,215$5,737,820$8,021,878
Net assets20192018201720162015
Without donor restrictions$71,124,952$38,183,215$37,887,722$34,493,874$22,667,939
With donor restrictions$0$24,316,695$9,737,544$10,788,269$17,757,262
Net assets$71,124,952$62,499,910$47,625,266$45,282,143$40,425,201
Revenues and expenses
Total contributions$37,324,504$45,848,593$31,218,507$29,720,783$32,250,230
Program service revenue$17,932,301$17,374,203$17,364,135$17,472,440$16,583,457
Membership dues$0$0$0$0$0
Investment income$97,928$99,122$138,752$88,754$98,869
Other revenue$698,384$299,656$509,017$583,958$355,087
Total other revenue$18,728,613$17,772,981$18,011,904$18,145,152$17,037,413
Total revenue$56,053,117$63,621,574$49,230,411$47,865,935$49,287,643
Program services$43,718,056$44,530,213$42,772,245$39,018,474$38,449,617
Management and general$2,012,789$1,806,537$1,833,495$2,027,809$1,926,118
Total expenses$47,711,984$48,489,348$47,064,537$43,094,529$42,198,388
Change in net assets20192018201720162015
Surplus (deficit)$8,341,133$15,132,226$2,165,874$4,771,406$7,089,255
Other changes in net assets$0$0$0$0$0
Total change in net assets$8,341,133$15,132,226$2,165,874$4,771,406$7,089,255


Lough Jr Donald HPresident/Director$163,976
Nelson B JohnDirector/Treasurer$112,052
Peace Jr RogerDirector$109,629
Stout KristopherDirector$98,009
Brown Bob GDirector$75,953
Bollback Harry JDirector$49,480
Konya AlexDirector$35,749
Moser PhilipDirector$4,450
Moore Ronald DDirector$900

Compensation data as of: 12/31/2019

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 8/11/2021. To update the information below, please email: info@ministrywatch.com


Since day one, God has used Word of Life to bring people from all over the world to Himself. When Jack Wyrtzen and Harry Bollback began the ministry of Word of Life, they were committed to engaging their culture with the Gospel. Today, Word of Life remains committed to the purpose of reaching our generation with the Gospel creating opportunities for youth and families to experience their faith, and share the message of salvation with those who have never heard.

From the beginning, it was the vision of Word of Life's founders that we will do what it takes to reach this generation for Jesus Christ. One of those men, Jack Wyrtzen, fully believed that it was his personal responsibility to share the Gospel with the lost. As a result, Word of Life is still committed to teaching and training this generation to reach the world through camp ministry, Bible Institutes, and world wide missions opportunities.

In 1946, Jack and Harry rented a rowboat for fifty cents and rowed over to what is now Word of Life Island for the very first time. They claimed to be "just looking." Though the property itself was in shambles, the pair had a vision for that island that far exceeded anyone's expectation. Jack offered $25,000 (a fifth of the asking price) to the owner, eighty-three-year-old Miss Clark, and she accepted. Since that day, hundreds of thousands of teens have attended camp on Word of Life Island.

In 1970, the first American Bible Institute was opened, following the pattern of the original campus in Sao Paulo, Brazil. The Bible Institutes are known for their structured discipleship, world class Bible teachers, and effective ministry among young students. Today, Word of Life has Bible Institutes in 14 countries around the world, each year training thousands of young people to use the Word of God for the Glory of God. God has certainly blessed Word of Life, and the Bible Institute has become a launching ground for students to take the Gospel all around the world.

Program accomplishments