Luminarias Institute Inc (EIN 472064477) - 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

2014

Legal Domicile

Principal Officer

Jose Cardenas

Phone

8183148292

Tax Period

2021-01-01 to 2021-12-31

Luminarias Institute Inc, founded in 2014, is a small nonprofit that reported $628K in total revenue in fiscal year 2021. Revenue surged 42% from the prior year, signaling strong growth momentum.

Mission

To provide culturally competent mental health and educational services to undeserved populations. Actively confronting barriers to clientsseeking and remaining engaged in therapy no matter their insurance provider, immigration status or ability to

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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 (2021)

Revenue Breakdown

Contributions & Grants $627,780

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $627,780

Expense Breakdown

Grants Paid $0

Salaries & Benefits $450,403

Fundraising Expenses $0

Program Expenses $442,898

Other Expenses $235,762

TOTAL EXPENSES $686,165

Year-over-Year Comparison

	2021	2020	Change
Revenue	$627,780	$441,100	+0.4%
Expenses	$686,165	$403,835	+0.7%
Net Income	$-58,385	$37,265	-2.6%

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

N/A

Employees

N/A

Volunteers

N/A

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

$184,552

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jose Cardenas	President	40.00	Director	$93,856	$0	$93,856
Benjamin Cardenas	COO	40.00	Director	$90,696	$0	$90,696
Thomas Martinez	Director	10.00	Director	$0	$0	$0
Shaan Jaja	Director	10.00	Director	$0	$0	$0
Elizabeth Sanchez	Director	10.00	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
2021	$627,780	$686,165	$48,763	$-58,385
2020	$441,100	$403,835	$118,713	$37,265

Luminarias Institute Inc