LUTHERAN SOCIAL SERVICES OF THE SOUTH INC (EIN 741109745) - 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

1926

Legal Domicile

Principal Officer

MICHAEL LOO

Phone

5124591000

Tax Period

2024-04-01 to 2025-03-31

LUTHERAN SOCIAL SERVICES OF THE SOUTH INC, founded in 1926, is a major nonprofit in the Human Services sector that reported $125.5M in total revenue in fiscal year 2024.

Mission

OUR MISSION IS TO BREAK THE CYCLE OF CHILD ABUSE BY EMPOWERING CHILDREN, FAMILIES AND COMMUNITIES.

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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 $111,847,502

Program Service Revenue $11,516,750

Investment Income $1,489,581

Other Revenue $664,577

TOTAL REVENUE $125,518,410

Expense Breakdown

Grants Paid $11,954,849

Salaries & Benefits $84,611,300

Fundraising Expenses $1,711,566

Program Expenses $116,175,076

Other Expenses $31,470,071

TOTAL EXPENSES $128,036,220

Year-over-Year Comparison

	2024	2023	Change
Revenue	$125,518,410	$117,827,841	+0.1%
Expenses	$128,036,220	$119,110,981	+0.1%
Net Income	$-2,517,810	$-1,283,140	+1.0%

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

1486

Volunteers

386

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

$2,291,205

Total Directors

Key Employees

$729,353

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WOOD FRANKLIN	BOARD MEMBER	1.00	Director	$0	$0	$0
MARY BETH GAERTNER	SECRETARY	1.00	Officer Director	$0	$0	$0
ROXANNE RIEFKOHL	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JASON PAULL	BOARD MEMBER	1.00	Director	$0	$0	$0
HARRISON KELLER	BOARD MEMBER	1.00	Director	$0	$0	$0
SHARON SMITH	BOARD MEMBER	1.00	Director	$0	$0	$0
BRETT CARLETON	CHAIR	1.00	Officer Director	$0	$0	$0
BILLY DYER	BOARD MEMBER	1.00	Director	$0	$0	$0
REV ALLYSON PRYOR	BOARD MEMBER	1.00	Director	$0	$0	$0
REV LINCON GUERRA	BOARD MEMBER	1.00	Director	$0	$0	$0
SCOT THOMAS	BOARD MEMBER	1.00	Director	$0	$0	$0
VICTORIA HOMANN	BOARD MEMBER	1.00	Director	$0	$0	$0
BETH BRUCE	TREASURER	1.00	Officer Director	$0	$0	$0
RYAN PARK	VP OF MARKETING	40.00	Officer	$210,780	$2,857	$213,637
MURRAY CHANOW	SVP, PUBLIC AFFAIRS	40.00	Officer	$223,036	$15,424	$238,460
MICHAEL LOO	CEO	40.00	Officer	$501,016	$31,010	$532,026
HOLLY RAYMOND SMITH	CHIEF COMMUNITY ENGAGEMENT OFFICER	40.00	Officer	$235,239	$112	$235,351
KRYSTALE BEZIO	CHIEF OPERATING OFFICER	40.00	Officer	$341,959	$6,194	$348,153
CAROLYN PAGANONI	CHIEF P&C OFFICER	40.00	Officer	$262,574	$6,194	$268,768
ANDREW BENSCOTER	CHIEF KNOWLEDGE OFFICER	40.00	Officer	$191,258	$6,108	$197,366
CHAD SEVELAND	CHIEF FINANCIAL OFFICER	40.00	Officer	$242,253	$15,191	$257,444
HOWARD COX	EXECUTIVE DIRECTOR, HEAD START	40.00	Key Emp	$160,096	$15,184	$175,280
PABLO HERNANDEZ	SR EXECUTIVE DIRECTOR, ORR PROGRAMS	40.00	Key Emp	$192,080	$25,756	$217,836
JERONIMO SAENZ	ORR ASSOCIATE EXECUTIVE DIRECTOR	40.00	Key Emp	$154,035	$8,223	$162,258
SCOTT CREWS	VP DEVELOPMENT OPERATIONS	40.00	Key Emp	$168,024	$5,955	$173,979
ROGELIO DE LA CERDA	ORR ASSOCIATE EXECUTIVE DIRECT	40.00	Highest	$140,235	$6,180	$146,415
FRANCISCO LOPEZ	SENIOR STAFF	40.00	Highest	$142,088	$5,903	$147,991
ROXANNA GARZA	SUPERINTENDENT, HEAD START	40.00	Highest	$136,040	$5,868	$141,908
DAVID DEAN	DIRECTOR OF PEOPLE & CULTURE	40.00	Highest	$132,631	$39	$132,670
MAYRA LOPEZ	PROGRAM DIRECTOR	40.00	Highest	$124,387	$5,865	$130,252

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	$125,518,410	$128,036,220	$75,785,341	$-2,517,810
2024	$117,827,841	$119,110,981	$74,014,070	$-1,283,140
2023	$105,628,164	$108,365,125	$64,191,184	$-2,736,961
2022	$96,832,412	$95,836,024	$61,046,286	$996,388
2021	$88,560,129	$93,144,478	$60,174,032	$-4,584,349
2020	$78,976,011	$80,316,514	$52,782,376	$-1,340,503
2019	$68,192,366	$60,879,527	$53,483,735	$7,312,839
2018	$56,885,138	$56,471,876	$52,768,206	$413,262

LUTHERAN SOCIAL SERVICES OF THE SOUTH INC