The Lutheran Home

Legal name: The Lutheran Home Inc

Nonprofit profile at a glance

EIN
390807205
IRS 990 coverage
2010–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025
Location
Wauwatosa, Wisconsin, United States
Phone
(414) 258-6170
Rating
81
Verdict
STRONG
Rating confidence
Moderate
Sector
Nursing, Convalescent Facilities
Affiliation
Christianity

Official website

Reported finances

Revenue
$31,542,850
Expenses
$31,612,726
Assets
$32,028,471
Liabilities
$2,519,627

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

28 people listed

Executive titles in this filing

  • KATHY CAVERS (PRESIDENT & CEO)
  • BRIDGETTE FROMMELL (EXECUTIVE DIRECTOR LH FOUNDATION)

Highest reported compensation

  • KATHY CAVERS (PRESIDENT & CEO): $297,519 total reported compensation
  • MILA RUBIO (NURSING SUPERVISOR): $188,665 total reported compensation
  • HENRIK CLAUSEN (VP OF FINANCE & CFO): $174,459 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To provide quality, compassionate care and services to seniors and others in need, guided by our Christian heritage.

What it reported doing in 2025

160 bed nursing home and 65 unit community based residential facility.the nursing home offers all private rooms for short and long term stays. The nursing home offers a wide range of services including a rehabilitation center for physical, occupational, and speech therapy. Additional services include physician visits, social services, in-house beauty shop, recreational therapy, dentist visits, church services, and dietician. Approximately 127 beds were filled during the year.the community based residential facility offers all private units for dementia residents. Services include 24 hours nursing services, 3 meals per day, recreational therapy, housekeeping, and laundry services. Approximately 63 of the 72 beds were filled during the year.

Operating model

Revenue model
Other-operating. 96% of the money available for current operations came from other operating revenue.
Distribution model
Direct operator. The filing allocates 94% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.

Rating breakdown

  • Financial Efficiency: 74
  • Transparency & Controls: 83
  • Accountability: 100
  • Sustainability: 33
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 83.1%; rating input score 83
  • Program expense ratio: 82.9%; rating input score 83
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 3 of 6 controls in place; rating input score 50
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Pass
    • Written employment contract: Missing
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 76th percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 9 of 9 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -0.2%; rating input score 20; 20th percentile among comparable filings
  • Total-asset coverage ratio: 1.01; rating input score 29; 29th percentile among comparable filings
  • Liabilities to assets ratio: 0.08; rating input score 70; 70th percentile among comparable filings
  • Officer compensation ratio: 4.6%; rating input score 60; 60th percentile among comparable filings

Growth

  • Program expense growth: 2.3% per year; rating input score 100; 19th percentile among comparable filings
  • Revenue growth: 2.6% per year; rating input score 100; 19th percentile among comparable filings
  • Asset growth: 3.7% per year; rating input score 100; 24th percentile among comparable filings

Details

  • What they do: 8 programs and campaigns described on the official site · 1 operating location identified
  • Where the money goes: 83.1% of revenue deployed · 82.9% of spending went to programs
  • Governance: 15 of 15 board members independent · 9 of 9 filing controls reported
  • Programs: 3 filed program accomplishments · $26.2M in reported program spending
  • Leadership: top reported pay $298K · 28 people listed · 3 of 6 pay-setting controls reported
  • Highest-paid contractors: 4 contractors listed · $1.1M reported
  • Consistency: 33 of 33 current checks pass
  • Schedules: 7 filed schedules · includes major donors, grants, and executive pay
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 10 filed money-flow records
  • Related organizations: 3 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.

  • High — Sustainability: Operating margin scored 20/100.
  • High — Sustainability: Total-asset coverage ratio scored 29/100.
  • High — Grant Readiness: Federal audit findings: this organization reported findings in its latest federal Single Audit.