LAND OF LINCOLN MUTUAL HEALTH INSURANCE COMPANY (EIN 900962741) - 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

2013

Legal Domicile

Principal Officer

Jacob Stuckey

Phone

3128369500

Tax Period

2023-01-01 to 2023-12-31

LAND OF LINCOLN MUTUAL HEALTH INSURANCE COMPANY, founded in 2013, is a small nonprofit that reported $670K in total revenue in fiscal year 2023. Revenue surged 338% from the prior year, signaling strong growth momentum. The organization ran a surplus of $370K, a strong 55% operating margin.

Mission

THE MISSION OF THE CO-OP WAS TO PROVIDE ITS MEMBERS HIGH QUALITY HEALTHCARE WHILE LOWERING THEIR COSTS THROUGH A MOVEMENT TOWARDS CLINICAL INTEGRATION AND CARE EFFICIENCIES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $670,398

Other Revenue $0

TOTAL REVENUE $670,398

Expense Breakdown

Grants Paid $0

Salaries & Benefits $156,625

Fundraising Expenses $0

Program Expenses $-196

Other Expenses $144,135

TOTAL EXPENSES $300,564

Year-over-Year Comparison

	2023	2022	Change
Revenue	$670,398	$153,096	+3.4%
Expenses	$300,564	$295,535	+0.0%
Net Income	$369,834	$-142,439	-3.6%

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

N/A

Independent Members

N/A

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

$2,122

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
KEVIN BALDWIN	DIRECTOR OF RECEIVERSHIP OPERATIONS	Officer	$0	$0	$1,879
JACOB STUCKEY	SPECIAL DEPUTY RECEIVER	Officer	$0	$0	$222
MICHAEL COSENTINO	CHIEF REINSURANCE AND TECHNOLOGY OFFICER	Officer	$0	$0	$21

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
2024	No data	No data	No data	No data
2023	$670,398	$300,564	$13,392,592	$369,834
2022	$153,096	$295,535	$14,078,292	$-142,439
2021	$44,951	$-851,406	$14,215,677	$896,357
2020	$95,452,058	$69,041,644	$28,139,202	$26,410,414

LAND OF LINCOLN MUTUAL HEALTH INSURANCE COMPANY