LUMA COUNSELING INC (EIN 934638583) - 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

2023

Legal Domicile

Principal Officer

RYAN BERG

Phone

3172102644

Tax Period

2025-04-01 to 2026-03-31

LUMA COUNSELING INC, founded in 2023, is a small nonprofit in the Religion sector that reported $520K in total revenue in fiscal year 2025. Revenue decreased 17% compared to the prior year. The organization ran a surplus of $99K, a strong 19% operating margin.

Mission

HELPING INDIVIDUALS, MARRIAGES, AND FAMILIES GROW SPIRITUALLY AND EMOTIONALLY, FOSTERING RESILIENCE AND DEEPENING THEIR RELATIONSHIP WITH GOD.

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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 $309,310

Program Service Revenue $207,824

Investment Income $2,391

Other Revenue $0

TOTAL REVENUE $519,525

Expense Breakdown

Grants Paid $0

Salaries & Benefits $288,253

Fundraising Expenses $331

Program Expenses $215,939

Other Expenses $132,293

TOTAL EXPENSES $420,546

Year-over-Year Comparison

	2025	2024	Change
Revenue	$519,525	$628,495	-0.2%
Expenses	$420,546	$250,498	+0.7%
Net Income	$98,979	$377,997	-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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RYAN BERG	EXECUTIVE DIRECTOR	40	Officer	$0	$0	$0
TYLER RIFFE	CHAIRMAN	1	Officer Director	$0	$0	$0
BEN HARCOURT	TREASURER	1	Officer Director	$0	$0	$0
JEFF BALLARD	SECRETARY	1	Officer Director	$0	$0	$0
BRUCE SMITH	BOARD MEMBER	1	Director	$0	$0	$0
CHAD PRYOR	BOARD MEMBER	1	Director	$0	$0	$0
LIBBY HARRIS	BOARD MEMBER	1	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
2026	$519,525	$420,546	$482,500	$98,979
2025	$628,495	$250,498	$383,862	$377,997

LUMA COUNSELING INC