THE L-FUND (EIN 811104113) - 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

2016

Legal Domicile

Principal Officer

Gwen Kibbe

Phone

7603048487

Tax Period

2025-01-01 to 2025-12-31

THE L-FUND, founded in 2016, is a small nonprofit in the Human Services sector that reported $176K in total revenue in fiscal year 2025. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $151K left a modest 14% surplus.

Mission

The mission of the L-Fund is to empower Lesbians and Trans-Lesbians through financial crisis assistance, education grants, health and wellness programs and grants for the arts.

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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 $51,404

Program Service Revenue $0

Investment Income $10,606

Other Revenue $114,438

TOTAL REVENUE $176,448

Expense Breakdown

Grants Paid $116,667

Salaries & Benefits $0

Fundraising Expenses $5,461

Program Expenses $117,220

Other Expenses $34,488

TOTAL EXPENSES $151,155

Year-over-Year Comparison

	2025	2024	Change
Revenue	$176,448	$144,779	+0.2%
Expenses	$151,155	$108,419	+0.4%
Net Income	$25,293	$36,360	-0.3%

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
Gwen Kibbe	Treasurer	25.00	Director	$0	$0	$0
Karyl Ketchum	Board Member	25.00	Director	$0	$0	$0
Marnie Tenden	Board Member	25.00	Director	$0	$0	$0
Mei Ling Tom	Co-Chair	25.00	Officer	$0	$0	$0
Robbin Burr	Co-Chair	25.00	Officer	$0	$0	$0
Carol Gorski	Board Member	25.00	Officer	$0	$0	$0
Marilyn Ramos	Secretary	25.00	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	$176,448	$151,155	$414,863	$25,293
2024	No data	No data	No data	No data
2023	$177,839	$150,613	$388,596	$27,226
2022	$73,873	$134,313	$361,370	$-60,440
2021	$132,912	$63,778	$421,811	$69,134
2020	$264,415	$156,677	$352,676	$107,738
2019	$283,400	$170,351	$254,062	$113,049

THE L-FUND