Luther Oaks Inc
Luther Oaks Inc. consistently operates at a deficit with liabilities significantly exceeding assets.
EIN: 202117469 · Bloomington, IL · Updated: 2026-03-28
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Luther Oaks Inc is mapped to EIN 202117469.
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| Metric | Value |
|---|---|
| Total Revenue | $13.0M |
| Total Expenses | $12.0M |
| Program Spending | 85% |
| CEO/Top Officer Pay | $10 |
| Net Assets | $-15,887,585 |
| Transparency Score | 55/100 |
Search Intent Cockpit
Luther Oaks Inc Form 990, Revenue, CEO Pay, and IRS Filing Signals
Luther Oaks Inc is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Luther Oaks Inc in one place.
Form 990 Filing Summary
13 filing years are available, with latest revenue of $11.6M and expenses of $12.0M.
Revenue and Expenses
Luther Oaks Inc reported $11.6M in revenue and $12.0M in expenses, a deficit of $479K.
Executive Compensation
Top officer compensation appears as $10 in the stored analysis, with context against revenue and expenses below.
Charity Score and Red Flags
55/100 mission score, 3 red flags, and 2 strengths are shown from structured and AI review.
Is Luther Oaks Inc Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
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Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $10.2M (85%) |
Across stored filings, Luther Oaks Inc shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
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| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Good filing record; 3 red flags identified |
| Mission spend | 85% to programs | Excellent |
| Financial durability | Grade C | 13 stored filing years |
| Peer context | Compare with Shorefront | Illinois and category context |
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Bloomington, IL nonprofitsFollow the Money
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Luther Oaks Inc directs 85% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Luther Oaks Inc
Luther Oaks Inc (EIN: 202117469) is a nonprofit organization based in Bloomington, IL. The organization reported total revenue of $13.0M and total assets of $31.0M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Luther Oaks Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Luther Oaks Inc is a large nonprofit that has been operating for 38 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 6.8%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $11.6M |
| Total Expenses | $12.0M |
| Surplus / Deficit | $-479,488 |
| Total Assets | $33.0M |
| Total Liabilities | $48.9M |
| Net Assets | $-15,887,585 |
| Operating Margin | -4.1% |
| Debt-to-Asset Ratio | 148.1% |
| Months of Reserves | 32.9 months |
Financial Health Grade: C
In 2023, Luther Oaks Inc reported a deficit of $479K with expenses exceeding revenue, holds 32.9 months of operating reserves (strong position), has a debt-to-asset ratio of 148.1% (high leverage).
Financial Trends
Over 13 years of filings (2011–2023), Luther Oaks Inc's revenue has grown at a compound annual growth rate (CAGR) of 6.8%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +5.9% | +8.5% | +1.4% |
| 2022 | +4.2% | +3.6% | -7.9% |
| 2021 | +7.2% | +7.4% | -0.5% |
| 2020 | +5.1% | +4.0% | -0.8% |
| 2019 | +6.3% | -4.5% | +0.5% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 7000 |
| IRS Ruling Date | 1988 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Luther Oaks Inc with a Mission Score of 55 out of 100 (Fair). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 10%
- programs: 85%
- fundraising: 5%
According to IRS 990 filings, Luther Oaks Inc allocates its expenses as follows: admin: 10%, programs: 85%, fundraising: 5%. With 85% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $479K, with expenses exceeding revenue.
- Debt-to-asset ratio: 148.1%.
Executive Compensation Analysis
The IRS 990 filings consistently report 0% officer compensation, which is unusual for an organization of this size with annual revenues exceeding $10 million. This could indicate that executive compensation is not reported in this specific section, is covered by a related entity, or the organization relies on volunteer leadership.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Luther Oaks Inc's IRS 990 filings:
- Consistent operational deficits (expenses exceeding revenue) across multiple years, e.g., $12,048,976 expenses vs. $11,569,488 revenue in 2023.
- Liabilities significantly exceed assets, indicating a negative net asset position (e.g., $48,898,363 liabilities vs. $33,010,778 assets in 2023).
- 0% reported officer compensation across all filings, which is unusual for an organization of this size and could indicate a lack of transparency in executive pay reporting.
Strengths
The following positive indicators were identified for Luther Oaks Inc:
- Consistent revenue growth over the past decade, from $6,596,545 in 2014 to $11,569,488 in 2023, indicating increasing demand for services or successful fundraising efforts.
- Long operating history with 13 filings, suggesting established presence and experience in its sector.
Frequently Asked Questions about Luther Oaks Inc
Is Luther Oaks Inc a legitimate charity?
Luther Oaks Inc (EIN: 202117469) is a registered tax-exempt nonprofit based in Illinois. Our AI analysis gives it a Mission Score of 55/100. It has 13 years of IRS 990 filings on record. Total revenue: $13.0M. 3 red flags identified. 2 strengths noted. Financial health grade: C.
How does Luther Oaks Inc spend its money?
Luther Oaks Inc directs 85% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Luther Oaks Inc tax-deductible?
Luther Oaks Inc is registered as a tax-exempt nonprofit (EIN: 202117469). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How much does the Luther Oaks Inc CEO make?
Luther Oaks Inc's highest-compensated officer earns $10 annually. The organization reported $13.0M in total revenue. Executive compensation data is disclosed in IRS 990 filings.
What percentage of Luther Oaks Inc's spending goes to programs?
Luther Oaks Inc directs 85% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
Where is Luther Oaks Inc located?
Luther Oaks Inc is headquartered in Bloomington, Illinois and files with the IRS under EIN 202117469.
How many years of IRS 990 filings does Luther Oaks Inc have?
Luther Oaks Inc has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $13.0M in total revenue.
Is Luther Oaks Inc. financially stable given its consistent deficits?
The organization has consistently reported expenses exceeding revenue, leading to operational deficits. For example, in 2023, expenses were $12,048,976 while revenue was $11,569,488. This trend, coupled with liabilities significantly exceeding assets (e.g., $48,898,363 in liabilities vs. $33,010,778 in assets in 2023), suggests potential long-term financial stability concerns.
Why is officer compensation reported as 0% across all filings?
The consistent reporting of 0% officer compensation is unusual for an organization of this scale. It could mean that executive compensation is not reported under this specific line item on the 990, is paid by a related entity, or the organization primarily relies on volunteer leadership for its executive functions.
What is the source of funding that covers the operational deficits?
Given the consistent operational deficits (e.g., $479,488 in 2023), the organization must be covering these shortfalls through other means, such as drawing down on reserves, receiving significant non-operating income not reflected in the revenue figures, or through capital contributions. Further investigation into their Statement of Activities would be necessary to understand this.
How does the organization plan to address its significant liabilities relative to assets?
The organization's liabilities have consistently been much higher than its assets, for example, $48,898,363 in liabilities compared to $33,010,778 in assets in 2023. This indicates a negative net asset position, which is a significant financial concern and suggests a need for a clear strategy to improve its balance sheet.
Filing History
IRS 990 filing history for Luther Oaks Inc showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Luther Oaks Inc's revenue has grown by 120.2%, moving from $5.3M to $11.6M. Total assets decreased by 1.6% over the same period, from $33.5M to $33.0M. Total functional expenses rose by 58%, from $7.6M to $12.0M. In its most recent filing year (2023), Luther Oaks Inc reported a deficit of $479K, with expenses exceeding revenue. The organization holds $48.9M in liabilities against $33.0M in assets (debt-to-asset ratio: 148.1%), resulting in net assets of $-15,887,585.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $11.6M | $12.0M | $33.0M | $48.9M | — | View 990 |
| 2022 | $10.9M | $11.1M | $32.6M | $47.9M | — | View 990 |
| 2021 | $10.5M | $10.7M | $35.3M | $50.5M | — | View 990 |
| 2020 | $9.8M | $10.0M | $35.5M | $50.4M | — | View 990 |
| 2019 | $9.3M | $9.6M | $35.8M | $50.3M | — | View 990 |
| 2018 | $8.7M | $10.0M | $35.6M | $50.0M | — | View 990 |
| 2017 | $7.8M | $8.9M | $36.0M | $49.0M | — | View 990 |
| 2016 | $7.1M | $7.3M | $38.6M | $50.5M | — | View 990 |
| 2015 | $6.9M | $7.3M | $33.1M | $44.8M | — | View 990 |
| 2014 | $6.6M | $7.6M | $32.0M | $43.2M | — | View 990 |
| 2013 | $6.9M | $7.3M | $31.9M | $42.1M | — | View 990 |
| 2012 | $6.2M | $7.5M | $33.1M | $42.8M | — | View 990 |
| 2011 | $5.3M | $7.6M | $33.5M | $42.0M | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $11.6M, expenses of $12.0M, and assets of $33.0M (revenue +5.9% year-over-year).
- 2022: Revenue of $10.9M, expenses of $11.1M, and assets of $32.6M (revenue +4.2% year-over-year).
- 2021: Revenue of $10.5M, expenses of $10.7M, and assets of $35.3M (revenue +7.2% year-over-year).
- 2020: Revenue of $9.8M, expenses of $10.0M, and assets of $35.5M (revenue +5.1% year-over-year).
- 2019: Revenue of $9.3M, expenses of $9.6M, and assets of $35.8M (revenue +6.3% year-over-year).
- 2018: Revenue of $8.7M, expenses of $10.0M, and assets of $35.6M (revenue +12.3% year-over-year).
- 2017: Revenue of $7.8M, expenses of $8.9M, and assets of $36.0M (revenue +9.8% year-over-year).
- 2016: Revenue of $7.1M, expenses of $7.3M, and assets of $38.6M (revenue +2.9% year-over-year).
- 2015: Revenue of $6.9M, expenses of $7.3M, and assets of $33.1M (revenue +4.4% year-over-year).
- 2014: Revenue of $6.6M, expenses of $7.6M, and assets of $32.0M (revenue -3.8% year-over-year).
- 2013: Revenue of $6.9M, expenses of $7.3M, and assets of $31.9M (revenue +10.3% year-over-year).
- 2012: Revenue of $6.2M, expenses of $7.5M, and assets of $33.1M (revenue +18.3% year-over-year).
- 2011: Revenue of $5.3M, expenses of $7.6M, and assets of $33.5M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Luther Oaks Inc:
Data Sources and Methodology
This transparency report for Luther Oaks Inc is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.