Living Springs Retreat Inc (EIN 133022832) - 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

1985

Legal Domicile

Principal Officer

Gabriel McClover

Phone

2564492628

Tax Period

2025-01-01 to 2025-12-31

Living Springs Retreat Inc, founded in 1985, is a small nonprofit that reported $264K in total revenue in fiscal year 2020. Revenue decreased 13% compared to the prior year. Net assets of $1.0M represent 46 months of operating reserves.

Mission

Provider of seminars on preventative health topics including a live-in facility for adapting lifestyle change. Providing resources for building churches and lay ministry in Ecuador.

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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 (2025)

Revenue Breakdown

Contributions & Grants $140,694

Program Service Revenue $158,626

Investment Income $12,796

Other Revenue $255,339

TOTAL REVENUE $567,455

Expense Breakdown

Grants Paid $130,938

Salaries & Benefits $158,315

Fundraising Expenses $67,630

Program Expenses $374,704

Other Expenses $303,752

TOTAL EXPENSES $593,005

Year-over-Year Comparison

	2025	2024	Change
Revenue	$567,455	$890,092	-0.4%
Expenses	$593,005	$609,267	0.0%
Net Income	$-25,550	$280,825	-1.1%

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

Volunteers

N/A

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

$32,583

Total Directors

$47,152

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Wilbur Atwood	Chair	0.00	Director	$0	$0	$0
Gabriel McClover	President	40.00	Officer Director	$11,000	$0	$11,000
Larry Pirraglia	Secretary	40.00	Officer Director	$11,775	$0	$11,775
Naomi Pirraglia	Treasurer	20.00	Officer Director	$9,808	$0	$9,808
Jeffrey Cumberbatch	Director	0.00	Director	$14,569	$0	$14,569
Narlon Edwards	Director	0.00	Director	$0	$0	$0
Todd Brown	Director	0.00	Director	$0	$0	$0
Steve Dickman	Director	0.00	Director	$0	$0	$0
Bill Dull	Director	0.00	Director	$0	$0	$0
Michelle Doucoumes	Director	0.00	Director	$0	$0	$0
Ruben Olm	Director	0.00	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	$567,455	$593,005	$1,798,413	$-25,550
2024	$890,092	$609,267	$1,835,716	$280,825
2023	$983,971	$523,614	$1,541,876	$460,357
2022	$342,335	$290,969	$1,078,741	$51,366
2021	$316,072	$296,032	$1,027,375	$20,040
2020	$264,207	$268,533	$1,015,335	$-4,326

Living Springs Retreat Inc