GRINDSTONE LAKE BIBLE CAMP (EIN 411370843) - 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

1932

Legal Domicile

Principal Officer

Deborah Wiener

Phone

3202452777

Tax Period

2025-01-01 to 2025-12-31

GRINDSTONE LAKE BIBLE CAMP, founded in 1932, is a small nonprofit in the Recreation & Sports sector that reported $260K in total revenue in fiscal year 2025. Revenue surged 55% from the prior year, signaling strong growth momentum. Expenses of $240K left a modest 7% surplus.

Mission

Bible camp for children and 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 (2025)

Revenue Breakdown

Contributions & Grants $149,893

Program Service Revenue $102,433

Investment Income $53

Other Revenue $7,230

TOTAL REVENUE $259,609

Expense Breakdown

Grants Paid $0

Salaries & Benefits $80,639

Fundraising Expenses $4,720

Program Expenses $196,092

Other Expenses $159,783

TOTAL EXPENSES $240,422

Year-over-Year Comparison

	2025	2024	Change
Revenue	$259,609	$167,578	+0.5%
Expenses	$240,422	$208,175	+0.2%
Net Income	$19,187	$-40,597	-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

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
Dane Peterson	Executive Director	20	Highest	$20,000	$0	$20,000
Dan Nelson	Member Board of Directors	1	Director	$0	$0	$0
Loren Nelson	Member Board of Directors	1	Director	$0	$0	$0
Peter Dobson	Member Board of Directors	1	Director	$0	$0	$0
Joe Gatkze	Member Board of Directors	1	Director	$0	$0	$0
Myron Nelson	Member Board of Directors	1	Director	$0	$0	$0
Dave Hogberg	Treasurer	1	Officer	$0	$0	$0
Andrew Kling	Secretary	1	Officer	$0	$0	$0
Kathy Horbacz	Vice Chairman	1	Officer	$0	$0	$0
Robert Sikkink	Chairman	2	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	$259,609	$240,422	$713,226	$19,187
2024	No data	No data	No data	No data
2023	$188,628	$222,046	$790,358	$-33,418
2022	$260,528	$198,099	$852,588	$62,429
2021	$225,572	$211,252	$816,976	$14,320
2020	$173,746	$141,710	$790,479	$32,036

GRINDSTONE LAKE BIBLE CAMP