Fern Lodge (EIN 941753387) - 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

1968

Legal Domicile

Principal Officer

Gina Gozinsky

Phone

5108862448

Tax Period

2023-01-01 to 2023-12-31

Fern Lodge, founded in 1968, is a community nonprofit in the Housing & Shelter sector that reported $3.3M in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year. Expenses of $3.9M exceeded revenue, resulting in a 17% operating deficit.

Mission

Fern Lodge provides Christian Science nursing services and housing for staff.

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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 $1,192,874

Program Service Revenue $2,040,597

Investment Income $3,964

Other Revenue $59,189

TOTAL REVENUE $3,296,624

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,925,280

Fundraising Expenses $15,026

Program Expenses $3,054,745

Other Expenses $928,708

TOTAL EXPENSES $3,853,988

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,296,624	$3,554,298	-0.1%
Expenses	$3,853,988	$3,997,333	0.0%
Net Income	$-557,364	$-443,035	+0.3%

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

$225,755

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
William Stock	Director	40.00	Director	$84,066	$0	$84,066
Marjorie Dala	Director	50.00	Director	$82,496	$0	$82,496
George Strong	Director	40.00	Director	$59,193	$0	$59,193
Betsy Anumu	Treasurer	4.00	Officer Director	$0	$0	$0
Anna Lisa Kronman	Vice President	4.00	Officer Director	$0	$0	$0
Gina Gozinsky	President	4.00	Officer Director	$0	$0	$0
Margaret Pereira	Secretary	4.00	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	No data	No data	No data	No data
2023	$3,296,624	$3,853,988	$4,947,730	$-557,364
2022	$3,554,298	$3,997,333	$5,384,674	$-443,035
2022	$3,554,298	$3,997,333	$5,384,674	$-443,035
2021	$4,886,389	$3,674,467	$5,949,774	$1,211,922
2020	$2,976,809	$3,435,657	$4,454,306	$-458,848

Fern Lodge