LAKE MERCED CHURCH OF CHRIST (EIN 946083797) - 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

1945

Legal Domicile

Tax Period

2020-01-01 to 2020-12-31

LAKE MERCED CHURCH OF CHRIST, founded in 1945, is a micro nonprofit in the Religion sector that reported $76K in total revenue in fiscal year 2020. Revenue fell 30% from the prior year — a significant decline worth monitoring. Expenses of $173K exceeded revenue, resulting in a 130% operating deficit.

Mission

To Declare, Draw, Develop and Demonstrate the life and love of Christ to all of Gods Children.

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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 (2020)

Revenue Breakdown

Contributions & Grants $46,211

Program Service Revenue $0

Investment Income $503

Other Revenue $28,840

TOTAL REVENUE $75,554

Expense Breakdown

Grants Paid $0

Salaries & Benefits $133,974

Fundraising Expenses $0

Program Expenses $173,434

Other Expenses $39,460

TOTAL EXPENSES $173,434

Year-over-Year Comparison

	2020	2019	Change
Revenue	$75,554	$107,726	-0.3%
Expenses	$173,434	$158,406	+0.1%
Net Income	$-97,880	$-50,680	+0.9%

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

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
LORETTA HOARD	SECRETARY	6.00	Officer	$0	$0	$0
JAY MIJARES	VICE PRESIDENT	0.00	Officer	$0	$0	$0
NATHAN TULIAO	TREASURER	4.00	Officer	$0	$0	$0
BARBARA SMITH	OFFICER	0.00	Officer	$0	$0	$0
MARIE BROOKS	PRESIDENT	0.00	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
2020	$75,554	$173,434	$246,935	$-97,880
2019	$107,726	$158,406	$348,954	$-50,680

LAKE MERCED CHURCH OF CHRIST