CRAFTSBURY ACADEMY CORPORATION CO UNION BANK (EIN 030222223) - 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

1917

Legal Domicile

Phone

8028886600

Tax Period

2023-01-01 to 2023-12-31

CRAFTSBURY ACADEMY CORPORATION CO UNION BANK, founded in 1917, is a micro nonprofit that reported $31K in total revenue in fiscal year 2023. Revenue fell 37% from the prior year — a significant decline worth monitoring. Expenses of $40K exceeded revenue, resulting in a 29% operating deficit.

Mission

ENDOWMENT TO CRAFTSBURY SCHOOL

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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

Program Service Revenue $0

Investment Income $30,930

Other Revenue $0

TOTAL REVENUE $30,931

Expense Breakdown

Grants Paid $31,454

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $40,009

Other Expenses $8,555

TOTAL EXPENSES $40,009

Year-over-Year Comparison

	2023	2022	Change
Revenue	$30,931	$49,396	-0.4%
Expenses	$40,009	$40,562	0.0%
Net Income	$-9,078	$8,834	-2.0%

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

N/A

Employees

N/A

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
Diane Young	Trustee	1.0	Director	$0	$0	$0
Aidan Moffatt	Trustee	1.0	Director	$0	$0	$0
Rudy Chase	Trustee	1.0	Director	$0	$0	$0
Shaun Allen	Trustee	1.0	Director	$0	$0	$0
Kelly Allen	Trustee	1.0	Director	$0	$0	$0
John Rowell	Trustee	1.0	Director	$0	$0	$0
Annie Houston	President	1.0	Officer	$0	$0	$0
KristenCharbonneau	Vice President	1.0	Officer	$0	$0	$0
Megan Amell	Secretary	1.0	Officer	$0	$0	$0
Kelly Allen	Treasurer	1.0	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
2024	No data	No data	No data	No data
2023	$30,931	$40,009	$736,307	$-9,078
2022	$49,396	$40,562	$745,564	$8,834
2021	$56,569	$37,374	$736,947	$19,195
2020	$-1,341	$35,649	$717,759	$-36,990

CRAFTSBURY ACADEMY CORPORATION CO UNION BANK