LUMINARIAS INC

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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

2014

Legal Domicile

Principal Officer

Anne Bartel

Phone

6125324135

Tax Period

2025-01-01 to 2025-12-31

LUMINARIAS INC, founded in 2014, is a small nonprofit in the International Affairs sector that reported $311K in total revenue in fiscal year 2025. Revenue surged 59% from the prior year, signaling strong growth momentum. The organization ran a surplus of $104K, a strong 33% operating margin.

Mission

Providing education, housing, leadership development, and life opportunities for vulnerable girls in Guatemala.

Program Service Accomplishments

Program 1

Expenses: $171,102 Revenue: $0

Residential Education and Student Development Program Luminarias provided housing, education support, mentoring, leadership development, nutrition, healthcare assistance, and life-skills training for vulnerable Indigenous girls in Guatemala. During 2025, the program supported approximately 24 girls residing in the Luminarias home and assisted graduates pursuing university and vocational education. Services included school tuition, supplies, transportation, supervision, counseling, and daily living support.

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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 $310,723

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $310,723

Expense Breakdown

Grants Paid $168,000

Salaries & Benefits $0

Fundraising Expenses $16,493

Program Expenses $171,102

Other Expenses $22,243

TOTAL EXPENSES $206,736

Year-over-Year Comparison

	2025	2024	Change
Revenue	$310,723	$194,834	+0.6%
Expenses	$206,736	$171,795	+0.2%
Net Income	$103,987	$23,039	+3.5%

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

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
Anne Bartel	President	20	Director	$0	$0	$0
Jacqueline Kuiper	Director	5	Director	$0	$0	$0
Mark Oyaas	Director	5	Director	$0	$0	$0
Evelyn Yeaggy	Director	5	Director	$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	$310,723	$206,736	$161,277	$103,987