Mount Calvary Lutheran Church Foundation (EIN 411652585) - 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

1980

Legal Domicile

Principal Officer

Michael Cunningham

Phone

9524748893

Tax Period

2025-01-01 to 2025-12-31

Mount Calvary Lutheran Church Foundation, founded in 1980, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $78K in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $20K, a strong 26% operating margin.

Mission

To Receive donations and use the funds in support of charitable purposes at Mt. Calvary, the local community and nationally.

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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 $48,776

Program Service Revenue $0

Investment Income $28,873

Other Revenue $0

TOTAL REVENUE $77,649

Expense Breakdown

Grants Paid $48,100

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $48,277

Other Expenses $9,237

TOTAL EXPENSES $57,337

Year-over-Year Comparison

	2025	2024	Change
Revenue	$77,649	$68,831	+0.1%
Expenses	$57,337	$60,935	-0.1%
Net Income	$20,312	$7,896	+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

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
David Distad	Director	1.00	Director	$0	$0	$0
Linda Saveraid	Director	1.00	Director	$0	$0	$0
Jerry Brecke	Director	2.00	Director	$0	$0	$0
Joyce Poppe	Director	1.00	Director	$0	$0	$0
Doug Affinito	Vice President	1.00	Officer Director	$0	$0	$0
Dick Shell	Director	1.00	Director	$0	$0	$0
Heidi Westlind	Director	1.00	Director	$0	$0	$0
Heather Dorsey	Treasurer	1.00	Officer Director	$0	$0	$0
Mollie Viola	Director	1.00	Director	$0	$0	$0
Elaine Wyatt	Director	2.00	Director	$0	$0	$0
Hal Ulvestad	Director	2.00	Director	$0	$0	$0
Michael Cunningham	President	2.00	Officer	$0	$0	$0
Bill Eggers	Secretary	1.00	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	$77,649	$57,337	$948,663	$20,312
2024	$68,831	$60,935	$842,137	$7,896
2023	$68,100	$55,308	$787,657	$12,792
2022	$57,055	$59,013	$709,213	$-1,958
2022	$57,055	$59,013	$709,213	$-1,958
2021	$129,224	$53,759	$851,666	$75,465
2020	$115,685	$48,574	$776,201	$67,111

Mount Calvary Lutheran Church Foundation