LUTHERAN RESORT ASSOCIATION INC (EIN 356042089) - 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

1953

Legal Domicile

Principal Officer

MICHELLE SCHAEFER

Phone

8126692800

Tax Period

2024-10-01 to 2025-09-30

LUTHERAN RESORT ASSOCIATION INC, founded in 1953, is a small nonprofit that reported $460K in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion. The organization ran a surplus of $184K, a strong 40% operating margin.

Mission

TO PROVIDE A PLACE FOR FELLOWSHIP, RECREATION AND WORSHIP IN A CHRISTIAN ATMOSPHERE FOR MEMBERS AND UPKEEP AND MAINTENANCE OF ROADS, SEWERS, AND LAKE

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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 $438,404

Program Service Revenue $0

Investment Income $18,341

Other Revenue $3,550

TOTAL REVENUE $460,295

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $276,426

TOTAL EXPENSES $276,426

Year-over-Year Comparison

	2024	2023	Change
Revenue	$460,295	$384,358	+0.2%
Expenses	$276,426	$293,085	-0.1%
Net Income	$183,869	$91,273	+1.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRAD KREINOP	DIRECTOR	1.00	Director	$0	$0	$0
KAREN JARSON	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN NAGEL	DIRECTOR	1.00	Director	$0	$0	$0
MARK KIMMET	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD POLLERT	DIRECTOR	1.00	Director	$0	$0	$0
GREGG WOOD	PRESIDENT	1.00	Officer Director	$0	$0	$0
TOM GOECKER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ERVIN KRUSE	SECRETARY	1.00	Officer Director	$0	$0	$0
MICHELLE SCHAEFER	TREASURER	1.00	Officer 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	$460,295	$276,426	$1,008,842	$183,869
2024	$384,358	$293,085	$825,217	$91,273
2023	$360,952	$314,231	$733,444	$46,721
2022	$336,879	$247,749	$685,677	$89,130
2021	$291,482	$300,602	$596,547	$-9,120
2020	$341,312	$588,094	$605,667	$-246,782
2019	$429,423	$203,139	$852,449	$226,284
2018	$288,479	$226,247	$626,171	$62,232

LUTHERAN RESORT ASSOCIATION INC