LAKE SUPERIOR BIBLE CONFERENCE ASSOICATION (EIN 386095964) - 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

1930

Legal Domicile

Principal Officer

Robby Fischer

Phone

9063370527

Tax Period

2024-01-01 to 2024-12-31

LAKE SUPERIOR BIBLE CONFERENCE ASSOICATION, founded in 1930, is a small nonprofit that reported $722K in total revenue in fiscal year 2024. Revenue surged 33% from the prior year, signaling strong growth momentum. The organization ran a surplus of $202K, a strong 28% operating margin.

Mission

TO PROVIDE CHRISTIAN EDUCATION TO OUR GUESTS

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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 $366,645

Program Service Revenue $332,476

Investment Income $14,660

Other Revenue $8,676

TOTAL REVENUE $722,457

Expense Breakdown

Grants Paid $0

Salaries & Benefits $271,671

Fundraising Expenses $0

Program Expenses $173,245

Other Expenses $249,200

TOTAL EXPENSES $520,871

Year-over-Year Comparison

	2024	2023	Change
Revenue	$722,457	$541,339	+0.3%
Expenses	$520,871	$555,052	-0.1%
Net Income	$201,586	$-13,713	-15.7%

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

N/A

Independent Members

N/A

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

$72,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBBY FISCHER	President	40.00	Officer	$72,000	$0	$72,000
FRED KURTZ	TRUSTEE	0.00	Director	$0	$0	$0
KATHY JOHNSON	TRUSTEE	0.00	Director	$0	$0	$0
LEARD WYLIE	TRUSTEE	0.00	Director	$0	$0	$0
BEN LOVELADY	TRUSTEE	0.00	Director	$0	$0	$0
MELLISA KERANEN	TRUSTEE	0.00	Director	$0	$0	$0
DAN GINDER	TRUSTEE	0.00	Director	$0	$0	$0
ROB BRECKEL	TRUSTEE	0.00	Director	$0	$0	$0
TONY LAIDLAW	Vice President	0.00	Officer	$0	$0	$0
MICHAEL CLAWSON	TREASURER	0.00	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
2025	No data	No data	No data	No data
2024	$722,457	$520,871	$2,704,488	$201,586
2023	$541,339	$555,052	$2,487,624	$-13,713
2022	$502,998	$414,153	$2,501,316	$88,845
2021	$507,841	$343,466	$2,411,922	$164,375
2020	$373,622	$291,077	$2,216,326	$82,545

LAKE SUPERIOR BIBLE CONFERENCE ASSOICATION