LIFEWAY CHRISTIAN RESOURCES POST- RETIREMENT BENEFITS TRUST (EIN 366913023) - 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

1989

Legal Domicile

Principal Officer

CHRISTOPHER S KNIGHT

Phone

6152512000

Tax Period

2024-10-01 to 2025-09-30

LIFEWAY CHRISTIAN RESOURCES POST- RETIREMENT BENEFITS TRUST, founded in 1989, is a small nonprofit that reported $534K in total revenue in fiscal year 2024. Revenue surged 114% from the prior year, signaling strong growth momentum. Expenses of $1.2M exceeded revenue, resulting in a 123% operating deficit.

Mission

PROVIDING HEALTH AND WELFARE BENEFITS FOR MEMBERS.

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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 $0

Program Service Revenue $0

Investment Income $533,891

Other Revenue $0

TOTAL REVENUE $533,891

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $156,000

TOTAL EXPENSES $1,190,000

Year-over-Year Comparison

	2024	2023	Change
Revenue	$533,891	$249,026	+1.1%
Expenses	$1,190,000	$3,534,000	-0.7%
Net Income	$-656,109	$-3,284,974	-0.8%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
DAVID GRANT	DIRECTOR	Director	$0	$0	$0
RANDY EGAN	TRUSTEE	Director	$0	$0	$0
GREG KANNADY	TRUSTEE	Director	$0	$0	$0
SUSANNE JACKSON	DIRECTOR	Director	$0	$0	$0
BRAD GRABER	TRUSTEE	Director	$0	$0	$0
COSSY PACHARES	DIRECTOR	Director	$0	$0	$0
MICHAEL DUDUIT	TRUSTEE	Director	$0	$0	$0
CALEB IORG	TRUSTEE	Director	$0	$0	$0
KRISTEN LANDERS	MANAGER	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	$533,891	$1,190,000	$15,206,000	$-656,109
2024	$249,026	$3,534,000	$16,149,000	$-3,284,974
2023	$-623,840	$6,192,000	$17,507,000	$-6,815,840
2022	$1,023,433	$1,246,000	$23,235,000	$-222,567
2021	$1,003,336	$1,422,000	$30,217,000	$-418,664
2020	$1,327,471	$5,922,617	$31,491,843	$-4,595,146

LIFEWAY CHRISTIAN RESOURCES POST- RETIREMENT BENEFITS TRUST