LUTHER HOUSE OF STUDY (EIN 881810650) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2022

Legal Domicile

Principal Officer

SARAH STENSON

Phone

6053665408

Tax Period

2025-01-01 to 2025-12-31

LUTHER HOUSE OF STUDY, founded in 2022, is a small nonprofit in the Education sector that reported $826K in total revenue in fiscal year 2022. The organization ran a surplus of $375K, a strong 45% operating margin.

Mission

STRENGTHENING LUTHERAN LEADERSHIP AND MINISTRIES.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $937,794

Program Service Revenue $600

Investment Income $45,192

Other Revenue $0

TOTAL REVENUE $983,586

Expense Breakdown

Grants Paid $10,050

Salaries & Benefits $436,106

Fundraising Expenses $13,097

Program Expenses $663,978

Other Expenses $332,653

TOTAL EXPENSES $778,809

Year-over-Year Comparison

	2025	2024	Change
Revenue	$983,586	$1,636,096	-0.4%
Expenses	$778,809	$847,098	-0.1%
Net Income	$204,777	$788,998	-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

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

$258,868

Total Directors

$129,434

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RYAN GAGE	PRESIDENT & TREASURER	0.10	Officer Director	$0	$0	$0
MIRIAM BROIN	VICE PRESIDENT	0.10	Officer Director	$0	$0	$0
CHRISTOPHER CROGHAN	SECRETARY/CHIEF ACADEMIC OFFICER	40.00	Officer Director	$54,664	$74,770	$129,434
ROBERT O'CONNOR	DIRECTOR	0.10	Officer Director	$0	$0	$0
SARAH STENSON	CHIEF EXECUTIVE OFFICER	40.00	Officer	$69,664	$59,770	$129,434

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	$983,586	$778,809	$1,825,904	$204,777
2024	$1,636,096	$847,098	$1,357,882	$788,998
2023	$1,058,310	$901,979	$574,042	$156,331
2022	$825,925	$451,256	$381,427	$374,669

LUTHER HOUSE OF STUDY