UNITED LUTHERAN PROGRAM FOR THE AGING INC (EIN 390981434) - 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

1957

Legal Domicile

Principal Officer

STEPHANIE CHEDID

Phone

4144643880

Tax Period

2024-01-01 to 2024-12-31

UNITED LUTHERAN PROGRAM FOR THE AGING INC, founded in 1957, is a mid-sized nonprofit in the Human Services sector that reported $33.4M in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion.

Mission

SHARE GOD'S LOVE BY ENRICHING THE LIVES OF OLDER ADULTS.

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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 $2,647,517

Program Service Revenue $29,105,711

Investment Income $1,380,046

Other Revenue $255,646

TOTAL REVENUE $33,388,920

Expense Breakdown

Grants Paid $0

Salaries & Benefits $16,750,465

Fundraising Expenses $34,804

Program Expenses $28,676,362

Other Expenses $16,389,280

TOTAL EXPENSES $33,139,745

Year-over-Year Comparison

	2024	2023	Change
Revenue	$33,388,920	$29,651,801	+0.1%
Expenses	$33,139,745	$30,071,281	+0.1%
Net Income	$249,175	$-419,480	-1.6%

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

545

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

$639,007

Total Directors

$442,158

Key Employees

$413,804

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHANIE CHEDID	PRESIDENT & CEO	45.00	Officer Director	$336,450	$105,708	$442,158
KRISTINE IWINSKI	CHAIR	0.50	Officer Director	$0	$0	$0
ANDREW VEDDER	VICE CHAIR	0.50	Officer Director	$0	$0	$0
KEITH FRALEIGH	TREASURER	0.50	Officer Director	$0	$0	$0
ELIZABETH STRACHOTA-BENZ	SECRETARY	0.50	Officer Director	$0	$0	$0
TRISHYA BROWN	DIRECTOR	0.50	Director	$0	$0	$0
DAVID EDQUIST	DIRECTOR	0.50	Director	$0	$0	$0
CAROLYN ESSWEIN	DIRECTOR (THRU JUNE 2024)	0.50	Director	$0	$0	$0
KRISTIN MCLEAN	DIRECTOR	0.50	Director	$0	$0	$0
RAYMOND ZASTROW	DIRECTOR	0.50	Director	$0	$0	$0
ARTHUR KEUP	CFO	45.00	Officer	$178,787	$18,062	$196,849
KAREN GIBBS	CHIEF CLINICAL OFFICER	50.00	Key Emp	$191,627	$20,329	$211,956
PATRICK HANSEN	CHIEF EXPERIENCE OFFICER	50.00	Key Emp	$195,723	$6,125	$201,848
HERMINIA DEGUZMAN	REGISTERED NURSE	48.50	Highest	$143,477	$19,096	$162,573
SABRINA BROOKS	REGISTERED NURSE SUPERVISOR	45.80	Highest	$138,349	$16,027	$154,376
ROSEMARY UZZI	LICENSED PRACTICAL NURSE	53.50	Highest	$127,891	$18,103	$145,994
STEVEN WATSON	EXECUTIVE DIRECTOR OF THE LUTHER MANOR FOUNDATION	12.50	Highest	$140,000	$1,712	$141,712
SHERMAN MILLER	EXECUTIVE DIRECTOR OF HUMAN RESOURCES	50.00	Highest	$127,450	$5,204	$132,654

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	$33,388,920	$33,139,745	$52,364,342	$249,175
2023	$29,651,801	$30,071,281	$45,082,707	$-419,480
2022	$26,200,196	$28,562,726	$41,124,824	$-2,362,530
2021	$32,538,554	$28,978,930	$44,109,199	$3,559,624
2020	$30,469,570	$30,221,226	$46,394,633	$248,344
2019	$30,065,945	$30,805,157	$43,479,299	$-739,212
2018	$31,240,991	$32,646,495	$45,047,443	$-1,405,504

UNITED LUTHERAN PROGRAM FOR THE AGING INC