Holy Cross Lutheran Church

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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

1960

Legal Domicile

Principal Officer

Jan Starr

Phone

4253739234

Tax Period

2025-01-01 to 2025-12-31

Holy Cross Lutheran Church, founded in 1960, is a micro nonprofit that reported $5K in total revenue in fiscal year 2025. Revenue fell 100% from the prior year — a significant decline worth monitoring. Expenses of $1.6M exceeded revenue, resulting in a 29716% operating deficit.

Mission

Lutheran Church, part of the ECLA, religious organization

Program Service Accomplishments

Program 1

Expenses: $1,551,643 Revenue: $5,204

Finish up business of closing congregation. Close accounts and pay final bills. No services provided in 2025. Prior services included religious services and charitable acts.

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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 $0

Program Service Revenue $0

Investment Income $356

Other Revenue $4,848

TOTAL REVENUE $5,204

Expense Breakdown

Grants Paid $1,549,505

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,551,643

Other Expenses $2,138

TOTAL EXPENSES $1,551,643

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,204	$1,551,287	-1.0%
Expenses	$1,551,643	$1,551,287	+0.0%
Net Income	$-1,546,439	$0	N/A

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

N/A

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
Janet Starr	Committee Head	10	Officer	$0	$0	$0
Candy Boyce	Committee Member	10	Officer	$0	$0	$0
Ingrid Turner	Committee Member	10	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	$5,204	$1,551,643	No data	$-1,546,439