CHRISTIAN RETIREMENT SERVICES INC (EIN 420919489) - 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

1964

Legal Domicile

Principal Officer

STEPHEN J ROE

Phone

3193511720

Tax Period

2024-07-01 to 2025-06-30

CHRISTIAN RETIREMENT SERVICES INC, founded in 1964, is a mid-sized nonprofit in the Human Services sector that reported $28.1M in total revenue in fiscal year 2024. Expenses of $26.9M left a modest 4% surplus.

Mission

OAKNOLL'S MISSION IS TO PROVIDE EXCEPTIONAL RETIREMENT LIVING AND HEALTH SERVICES THROUGH LIFECARE.

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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 $1,063,564

Program Service Revenue $26,790,476

Investment Income $217,404

Other Revenue $0

TOTAL REVENUE $28,071,444

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,353,657

Fundraising Expenses $0

Program Expenses $24,164,977

Other Expenses $14,583,580

TOTAL EXPENSES $26,937,237

Year-over-Year Comparison

	2024	2023	Change
Revenue	$28,071,444	$26,255,455	+0.1%
Expenses	$26,937,237	$25,118,421	+0.1%
Net Income	$1,134,207	$1,137,034	0.0%

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

471

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

$364,390

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TOM BENDER	PRESIDENT	1.00	Officer Director	$0	$0	$0
ANN RICKETTS	PAST PRESIDE	1.00	Officer Director	$0	$0	$0
MARGARET REESE	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
SUSAN MIMS	SECRETARY	1.00	Officer Director	$0	$0	$0
JEANNETTE HALL	TREASURER	1.00	Officer Director	$0	$0	$0
ROGER DYKSTRA	DIRECTOR	1.00	Director	$0	$0	$0
SARAH RICHARDSON	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS GOERDT	DIRECTOR	1.00	Director	$0	$0	$0
LIZ SWANSON	DIRECTOR	1.00	Director	$0	$0	$0
PETER KABOLI	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL VERVAECKE	DIRECTOR	1.00	Director	$0	$0	$0
JOHN MCKINSTRY	DIRECTOR	1.00	Director	$0	$0	$0
CHARLIE NUSSER	DIRECTOR	1.00	Director	$0	$0	$0
RYAN O'LEARY	DIRECTOR	1.00	Director	$0	$0	$0
REBECCA PORTER	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN J ROE	CEO	50.00	Officer	$195,639	$32,472	$228,111
DARCY M SANFORD	CFO	50.00	Officer	$120,433	$15,846	$136,279
RETHA HAAS	COO - IL	40.00	Highest	$112,532	$19,478	$132,010
SARA RUHLMANN	DIRECTOR OF	40.00	Highest	$109,762	$19,062	$128,824
BRUCE TITUS	DIRECTOR OF	40.00	Highest	$106,070	$18,508	$124,578

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	$28,071,444	$26,937,237	$123,747,327	$1,134,207
2024	$26,255,455	$25,118,421	$121,588,546	$1,137,034
2023	$25,199,676	$24,138,702	$124,001,523	$1,060,974
2022	$22,752,170	$22,023,461	$126,961,425	$728,709
2021	$21,346,549	$19,730,283	$128,045,571	$1,616,266
2020	$18,250,221	$18,428,135	$116,748,408	$-177,914
2019	$17,432,382	$18,221,170	$102,289,891	$-788,788
2018	$16,790,147	$17,296,401	$98,643,127	$-506,254

CHRISTIAN RETIREMENT SERVICES INC