LIFELONG LEARNING INSTITUTE IN CHESTERFIELD COUNTY VIRGINIA INC (EIN 061756183) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2005

Principal Officer

RACHEL RAMIREZ

Phone

8043782527

Tax Period

2024-07-01 to 2025-06-30

LIFELONG LEARNING INSTITUTE IN CHESTERFIELD COUNTY VIRGINIA INC, founded in 2005, is a small nonprofit in the Human Services sector that reported $348K in total revenue in fiscal year 2018. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $59K, a strong 17% operating margin.

Mission

PROVIDE A CURRICULUM OF INTELLECTUALLY STIMULATING LEARNING OPPORTUNITIES FOR PERSONS FIFTY (50) YEARS OF AGE OR OLDER.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $173,769

Program Service Revenue $305,286

Investment Income $13,396

Other Revenue $11,453

TOTAL REVENUE $503,904

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $370,226

Other Expenses $453,304

TOTAL EXPENSES $453,304

Year-over-Year Comparison

	2024	2023	Change
Revenue	$503,904	$412,687	+0.2%
Expenses	$453,304	$396,646	+0.1%
Net Income	$50,600	$16,041	+2.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

556

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES E DAVIDSON JR CFP	DIRECTOR	1.00	Director	$0	$0	$0
KEN CARLSON	DIRECTOR	1.00	Director	$0	$0	$0
KIM CONLEY	DIRECTOR	1.00	Director	$0	$0	$0
ANGIE DEMPSEY	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER M MCCARTHY ESQ	DIRECTOR	1.00	Director	$0	$0	$0
KIM IVEY	DIRECTOR	1.00	Director	$0	$0	$0
REV PERNELL J JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
LEWIS LEVI	SECRETARY	1.00	Officer Director	$0	$0	$0
ANNEBEL LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
STEVE KUNNMANN MBA	TREASURER	1.00	Officer Director	$0	$0	$0
BOB FERGUSON PHD	DIRECTOR	1.00	Director	$0	$0	$0
JOHN LEMZA PHD	PRESIDENT	1.00	Officer Director	$0	$0	$0
LILLIE STRATTON	DIRECTOR	1.00	Director	$0	$0	$0
JUDY SWEET	VICE-PRESIDE	1.00	Officer Director	$0	$0	$0
CATHERINE TOMPKINS	DIRECTOR	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$503,904	$453,304	$1,919,183	$50,600
2024	$412,687	$396,646	$2,015,519	$16,041
2023	$-30,985	$321,181	$2,117,980	$-352,166
2022	$283,506	$273,363	$676,739	$10,143
2021	$252,573	$225,997	$655,248	$26,576
2020	$376,515	$231,689	$660,039	$144,826
2019	$348,028	$288,974	$523,196	$59,054

LIFELONG LEARNING INSTITUTE IN CHESTERFIELD COUNTY VIRGINIA INC