LARRY AND JEANETTE EPPING FAMILY FOUNDATION C/O PIONEER TRUST BANK (EIN 931229227) - 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

1997

Legal Domicile

Principal Officer

GARY J EPPING

Phone

5033633136

Tax Period

2024-01-01 to 2024-12-31

LARRY AND JEANETTE EPPING FAMILY FOUNDATION C/O PIONEER TRUST BANK, founded in 1997, is a mid-sized nonprofit in the Unknown sector that reported $13.9M in total revenue in fiscal year 2024. Revenue surged 102% from the prior year, signaling strong growth momentum. The organization ran a surplus of $5.1M, a strong 37% operating margin.

Mission

DISTRIBUTE MONEY AND PROPERTY TO SUPPORTED CHARITIES

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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 $0

Program Service Revenue $0

Investment Income $13,654,294

Other Revenue $221,846

TOTAL REVENUE $13,876,140

Expense Breakdown

Grants Paid $8,411,911

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $8,411,911

Other Expenses $375,550

TOTAL EXPENSES $8,787,461

Year-over-Year Comparison

	2024	2023	Change
Revenue	$13,876,140	$6,852,657	+1.0%
Expenses	$8,787,461	$7,912,886	+0.1%
Net Income	$5,088,679	$-1,060,229	-5.8%

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
JIM BAUER	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL COMPTON	DIRECTOR	1.00	Director	$0	$0	$0
SHAWN M ENGELBERG	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
GARY J EPPING	PRESIDENT	2.00	Officer Director	$0	$0	$0
RON RUFENER	SECRETARY/TR	2.00	Officer 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
2024	$13,876,140	$8,787,461	$189,209,498	$5,088,679
2023	$6,852,657	$7,912,886	$184,126,149	$-1,060,229
2022	$13,699,380	$7,569,288	$185,139,518	$6,130,092
2021	$13,717,983	$8,361,282	$179,042,811	$5,356,701
2020	$10,422,415	$8,005,310	$173,686,828	$2,417,105
2019	$71,790,519	$5,016,461	$171,269,808	$66,774,058
2018	$11,265,336	$4,048,125	$104,503,363	$7,217,211

LARRY AND JEANETTE EPPING FAMILY FOUNDATION C/O PIONEER TRUST BANK