LCMC Endowment Fund Inc (EIN 841351561) - 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

1996

Legal Domicile

Principal Officer

Bernie Krystyniak

Phone

2817701270

Tax Period

2025-01-01 to 2025-12-31

LCMC Endowment Fund Inc, founded in 1996, is a small nonprofit in the Health Care sector that reported $157K in total revenue in fiscal year 2025. Revenue surged 84% from the prior year, signaling strong growth momentum. The organization ran a surplus of $51K, a strong 33% operating margin.

Mission

The LCMC Endowment Fund renders financial aid to the Lake Fork Health Services District and its employees, the Silver Thread Public Health District, and Hinsdale County EMS to provide education, eqpmt and spcl programs

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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 $78,813

Program Service Revenue $0

Investment Income $77,726

Other Revenue $0

TOTAL REVENUE $156,539

Expense Breakdown

Grants Paid $102,818

Salaries & Benefits $0

Fundraising Expenses $827

Program Expenses $102,818

Other Expenses $2,264

TOTAL EXPENSES $105,082

Year-over-Year Comparison

	2025	2024	Change
Revenue	$156,539	$84,958	+0.8%
Expenses	$105,082	$86,103	+0.2%
Net Income	$51,457	$-1,145	-45.9%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Bernie Krystyniak	President and Treasurer	002.00	Officer Director	$0	$0	$0
Linda Downs	Secretary	001.00	Officer Director	$0	$0	$0
Marcia Carl	Director	001.00	Director	$0	$0	$0
Cindy Rae	Vice President	001.00	Officer Director	$0	$0	$0
Greg Olson	Director	001.00	Director	$0	$0	$0
Malinda McDonald	Director	001.00	Director	$0	$0	$0
Jerry Gray	Director	001.00	Director	$0	$0	$0
Katherine Heidt	Director	001.00	Director	$0	$0	$0
Sarah Moody	Director	001.00	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
2025	$156,539	$105,082	$1,004,925	$51,457
2024	$84,958	$86,103	$904,770	$-1,145
2023	$76,896	$47,057	$813,352	$29,839
2022	$108,495	$40,050	$728,087	$68,445
2021	$119,591	$29,170	$759,332	$90,421
2020	$72,211	$38,608	$641,031	$33,603
2019	$61,806	$31,061	$594,202	$30,745
2018	$77,445	$10,981	$503,522	$66,464

LCMC Endowment Fund Inc