LUTHERAN CHURCH CHARITIES FUND (EIN 362212704) - 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

1944

Legal Domicile

Principal Officer

TIM SCHMITT

Phone

8664556466

Tax Period

2023-02-01 to 2024-01-31

LUTHERAN CHURCH CHARITIES FUND, founded in 1944, is a community nonprofit in the Human Services sector that reported $3.1M in total revenue in fiscal year 2023. Revenue fell 22% from the prior year — a significant decline worth monitoring. Expenses of $3.5M exceeded revenue, resulting in a 10% operating deficit.

Mission

LCC WORKS WITH CHURCHES THROUGHOUT THE UNITED STATES AND INTERNATIONALLY TO FURTHER THE KINGDOM OF GOD BY TOUCHING LIVES IN NEED WITH THE PRESENCE OF JESUS CHRIST BY MINISTERING TO THEIR PHYSICAL, SPIRITUAL, AND EMOTIONAL NEEDS. LCC CONNECTS NEEDS WITH RESOURCES, WORKING WITH CONGREGATIONS TO HELP CHRISTIANS MAKE A DIFFERENCE IN PEOPLE'S LIVES AND IN GOD'S KINGDOM, SHARING THE COMPASSION, PRESENCE, AND PROCLAMATION OF CHRIST.

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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 (2023)

Revenue Breakdown

Contributions & Grants $1,766,567

Program Service Revenue $1,357,733

Investment Income $17,900

Other Revenue $0

TOTAL REVENUE $3,142,200

Expense Breakdown

Grants Paid $232,775

Salaries & Benefits $2,071,064

Fundraising Expenses $143,792

Program Expenses $2,987,671

Other Expenses $1,160,846

TOTAL EXPENSES $3,464,685

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,142,200	$4,010,814	-0.2%
Expenses	$3,464,685	$3,405,232	+0.0%
Net Income	$-322,485	$605,582	-1.5%

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

1100

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

$207,950

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LYNDA STREICH	MEMBER AT LARGE	2.00	Director	$0	$0	$0
REV DAN GILBERT	MEMBER AT LARGE	2.00	Director	$0	$0	$0
PHIL BANDY	MEMBER AT LARGE	2.00	Director	$0	$0	$0
TRICIA LEWIS	PRESIDENT	2.00	Officer	$0	$0	$0
LEAH COLLISTER	SECRETARY	2.00	Officer	$0	$0	$0
TIM SCHMITT	TREASURER	2.00	Officer	$0	$0	$0
REV CHRISTOPHER SINGER	EXECUTIVE DIRECTOR	40.00	Officer	$155,458	$52,492	$207,950

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
2024	$3,142,200	$3,464,685	$4,481,245	$-322,485
2023	$4,010,814	$3,405,232	$4,714,888	$605,582
2022	$3,604,675	$2,733,722	$4,269,625	$870,953
2021	$2,535,908	$2,467,127	$3,467,157	$68,781
2020	$2,771,903	$2,802,310	$3,035,971	$-30,407
2019	$2,725,821	$2,641,217	$3,090,220	$84,604

LUTHERAN CHURCH CHARITIES FUND