ZION LUTHERAN CHURCH RELIGIOUS & CHARITABLE TRUST (EIN 382469340) - 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

1982

Legal Domicile

Principal Officer

CAROL WRIGHT

Phone

9898934261

Tax Period

2024-01-01 to 2024-12-31

ZION LUTHERAN CHURCH RELIGIOUS & CHARITABLE TRUST, founded in 1982, is a micro nonprofit that reported $44K in total revenue in fiscal year 2024. Revenue surged 20% from the prior year, signaling strong growth momentum. Expenses of $84K exceeded revenue, resulting in a 91% operating deficit.

Mission

SUPPORT FOR RELIGIOUS AND EDUCATION PROGRAMS IN THE BAY COUNTY AREA.

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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 $660

Program Service Revenue $0

Investment Income $43,471

Other Revenue $0

TOTAL REVENUE $44,131

Expense Breakdown

Grants Paid $17,347

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $80,786

Other Expenses $67,080

TOTAL EXPENSES $84,427

Year-over-Year Comparison

	2024	2023	Change
Revenue	$44,131	$36,744	+0.2%
Expenses	$84,427	$60,963	+0.4%
Net Income	$-40,296	$-24,219	+0.7%

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
DAN BAUER	TRUSTEE	N/A	Director	$0	$0	$0
BARBARA DUNN	TRUSTEE	N/A	Director	$0	$0	$0
JAN KNOP	CHAIRMAN	N/A	Officer Director	$0	$0	$0
AL STORY	TRUSTEE	N/A	Director	$0	$0	$0
CAROL WRIGHT	TREASURER	N/A	Officer	$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
2024	$44,131	$84,427	$979,610	$-40,296
2023	$36,744	$60,963	$1,004,998	$-24,219
2022	$41,668	$48,293	$1,015,812	$-6,625
2021	$98,707	$55,154	$1,022,437	$43,553
2020	$73,417	$43,440	$978,884	$29,977
2019	$23,859	$38,627	$948,907	$-14,768
2018	$43,930	$42,128	$990,281	$1,802

ZION LUTHERAN CHURCH RELIGIOUS & CHARITABLE TRUST