LUTHERAN HOUSING CORPORATION OF OIL CITY (EIN 251699268) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1993

Legal Domicile

Principal Officer

SARAH ISRAEL

Phone

4123669490

Tax Period

2024-07-01 to 2025-06-30

LUTHERAN HOUSING CORPORATION OF OIL CITY, founded in 1993, is a small nonprofit in the Unknown sector that reported $446K in total revenue in fiscal year 2024. Net assets of $1.0M represent 27 months of operating reserves.

Mission

HUD SUBSIDIZED HOUSING & SUPPORTIVE SERVICES FOR THE LOW INCOME ELDERLY.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $277,133

Program Service Revenue $161,907

Investment Income $4,590

Other Revenue $2,174

TOTAL REVENUE $445,804

Expense Breakdown

Grants Paid $0

Salaries & Benefits $66,984

Fundraising Expenses $0

Program Expenses $361,157

Other Expenses $371,048

TOTAL EXPENSES $438,032

Year-over-Year Comparison

	2024	2023	Change
Revenue	$445,804	$429,166	+0.0%
Expenses	$438,032	$417,367	+0.0%
Net Income	$7,772	$11,799	-0.3%

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

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

$771,055

Total Directors

$385,715

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFFREY L CARRAWAY	CFO	1.00	Officer Director	$0	$31,286	$268,264
SARAH ISRAEL	ADMINISTRATOR	1.00	Director	$0	$25,950	$117,451
R BRANDON JAMES	DIRECTOR	1.00	Director	$0	$0	$0
KARIN TRAUMAN	DIRECTOR	1.00	Director	$0	$0	$0
REV BRANDON JOHNS	DIRECTOR	1.00	Director	$0	$0	$0
DAVID J FENOGLIETTO	CHIEF EXECUTIVE OFFICER	1.00	Officer	$0	$55,009	$502,791

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	$445,804	$438,032	$1,559,143	$7,772
2024	$429,166	$417,367	$1,732,692	$11,799
2023	$345,585	$479,128	$1,735,308	$-133,543
2022	$252,976	$414,984	$1,715,570	$-162,008
2021	$318,343	$392,701	$1,740,863	$-74,358
2020	$369,210	$390,043	$1,777,734	$-20,833
2019	$333,654	$394,929	$1,758,488	$-61,275
2018	$206,074	$355,145	$1,776,394	$-149,071

LUTHERAN HOUSING CORPORATION OF OIL CITY