LUTHERAN SOCIAL SERVICES OF THE SOUTHWEST (EIN 860252302) - 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

1970

Legal Domicile

Principal Officer

CHRISTINE KOBASIC

Phone

4803963795

Tax Period

2024-07-01 to 2025-06-30

LUTHERAN SOCIAL SERVICES OF THE SOUTHWEST, founded in 1970, is a mid-sized nonprofit in the Religion sector that reported $27.5M in total revenue in fiscal year 2024.

Mission

TO STABILIZE LIVES DURING CRISIS AND TRANSITION, BUILD A FOUNDATION WHERE PEOPLE CAN THRIVE, AND PRESERVE DIGNITY AND RESPECT FOR THE MOST VULNERABLE.

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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 $23,456,096

Program Service Revenue $3,904,336

Investment Income $99,684

Other Revenue $20,166

TOTAL REVENUE $27,480,282

Expense Breakdown

Grants Paid $5,035,892

Salaries & Benefits $18,022,008

Fundraising Expenses $647,038

Program Expenses $23,099,973

Other Expenses $4,064,047

TOTAL EXPENSES $27,121,947

Year-over-Year Comparison

	2024	2023	Change
Revenue	$27,480,282	$27,082,032	+0.0%
Expenses	$27,121,947	$25,998,052	+0.0%
Net Income	$358,335	$1,083,980	-0.7%

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

573

Volunteers

637

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

$395,017

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMBER MATHEWSON	CHAIR	2.00	Officer Director	$0	$0	$0
WENDY LOOK	VICE CHAIR	2.00	Officer Director	$0	$0	$0
JANIE MAGRUDER	SECRETARY	2.00	Officer Director	$0	$0	$0
DOUG PEARSON	TREASURER	2.00	Officer Director	$0	$0	$0
JACQUI PAGEL	DIRECTOR	1.00	Director	$0	$0	$0
BRANISLAV VUJIC	DIRECTOR	1.00	Director	$0	$0	$0
BARBARA RAPP	DIRECTOR	1.00	Director	$0	$0	$0
JO RIESTER	DIRECTOR	1.00	Director	$0	$0	$0
EVE BROUGHTON	DIRECTOR	1.00	Director	$0	$0	$0
ROGER STUENKEL	DIRECTOR	1.00	Director	$0	$0	$0
CATHERINE WHITE	DIRECTOR	1.00	Director	$0	$0	$0
MARCY FLEMING	DIRECTOR	1.00	Director	$0	$0	$0
RACHEL GOMEZ-ACOSTA	DIRECTOR	1.00	Director	$0	$0	$0
CONNIE PHILLIPS	CEO & PRESIDENT	40.00	Officer	$201,758	$15,303	$217,061
CHRISTINE KOBASIC	CHIEF FINANCIAL OFFICER	40.00	Officer	$162,673	$15,283	$177,956
KAREN BAMFORD	CHIEF PROGRAM OFFICER	40.00	Highest	$140,706	$5,783	$146,489
CHERYL PATTERSON	DIRECTOR OF FINANCE	40.00	Highest	$115,197	$8,255	$123,452

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	$27,480,282	$27,121,947	$8,472,033	$358,335
2024	$27,082,032	$25,998,052	$10,230,790	$1,083,980
2023	$22,493,433	$21,977,045	$8,368,638	$516,388
2022	$21,954,828	$21,187,525	$7,090,998	$767,303
2021	$22,254,288	$20,015,302	$5,555,029	$2,238,986
2020	$16,789,980	$16,957,026	$4,958,595	$-167,046
2019	$16,513,533	$17,377,473	$3,181,105	$-863,940
2018	$15,931,253	$15,689,445	$3,974,852	$241,808

LUTHERAN SOCIAL SERVICES OF THE SOUTHWEST