CRADLES TO CRAYONS INC (EIN 043584367) - 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

2002

Legal Domicile

Principal Officer

CHRISTINE MORIN

Phone

6177794700

Tax Period

2024-04-01 to 2025-03-31

CRADLES TO CRAYONS INC, founded in 2002, is a mid-sized nonprofit in the Human Services sector that reported $48.9M in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion.

Mission

CRADLES TO CRAYONS PROVIDES CHILDREN FROM BIRTH THROUGH AGE 12, LIVING IN HOMELESS OR LOW-INCOME SITUATIONS, WITH THE ESSENTIAL ITEMS THEY NEED TO THRIVE AT HOME, AT SCHOOL AND AT PLAY. WE SUPPLY THESE ITEMS FREE OF CHARGE BY ENGAGING AND CONNECTING COMMUNITIES.AS A RESULT OF A COMPREHENSIVE STRATEGIC PLANNING PROCESS TO DETERMINE THE MOST EFFECTIVE AND EFFICIENT MODEL TO SERVE THE UNMET NEED ACROSS THE UNITED STATES, THE ORGANIZATION DEVELOPED AND LAUNCHED A NEW DIGITAL MODEL, GIVING FACTORY DIRECT. THE MODEL ALLOWS DONORS TO SEND ESSENTIAL ITEMS DIRECTLY FROM THEIR HOMES TO THE CHILDREN THEY SERVE VIA ITS NETWORK OF SERVICE PARTNERS. IN THIS FISCAL YEAR, THE ORGANIZATION UTILIZED GIVING FACTORY DIRECT TO SERVE CHILDREN IN THE BAY AREA AND NEW YORK CITY.

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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 (2024)

Revenue Breakdown

Contributions & Grants $47,701,984

Program Service Revenue $0

Investment Income $1,148,158

Other Revenue $0

TOTAL REVENUE $48,850,142

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,811,881

Fundraising Expenses $3,336,883

Program Expenses $45,070,799

Other Expenses $39,651,641

TOTAL EXPENSES $50,463,522

Year-over-Year Comparison

	2024	2023	Change
Revenue	$48,850,142	$42,468,359	+0.2%
Expenses	$50,463,522	$43,459,896	+0.2%
Net Income	$-1,613,380	$-991,537	+0.6%

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

127

Volunteers

54143

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

$972,823

Total Directors

$334,776

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LYNN MARGHERIO	CEO (UNTIL 2/2025)	40.00	Officer Director	$325,352	$9,424	$334,776
DEAN ATHANASIA	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
JAY BHATT	BOARD MEMBER	1.00	Director	$0	$0	$0
DARREN BURTON	BOARD MEMBER	1.00	Director	$0	$0	$0
TODD COOK	BOARD MEMBER	1.00	Director	$0	$0	$0
JULIE DAUM	BOARD MEMBER	1.00	Director	$0	$0	$0
GERARD DU TOIT	BOARD MEMBER	1.00	Director	$0	$0	$0
MIKE EWALD	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFF ALPAUGH	BOARD MEMBER	1.00	Director	$0	$0	$0
NANCY CARPENTER	BOARD MEMBER	1.00	Director	$0	$0	$0
JUNE YANG	BOARD MEMBER	1.00	Director	$0	$0	$0
MELISSA YORK	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRISTINE MORIN	CEO (AS OF 2/2025)	40.00	Officer Director	$0	$0	$0
KAREN GALLAHUE	CFO	40.00	Officer	$227,908	$29,190	$257,098
KAREN GRANT	VP OF GIVING FACTORY DIRECT, SECRETARY (UNTIL 10/	40.00	Officer	$219,811	$24,222	$244,033
JESSIE JACKSON	VP OF HR, SECRETARY (AS OF 10/2024)	40.00	Officer	$135,341	$1,575	$136,916
CONNIE OLSON	VP OF OPERATIONS	40.00	Highest	$231,773	$13,691	$245,464
DAWN MELCHIORRE	ED OF CHICAGO	40.00	Highest	$197,960	$11,617	$209,577
CATHERINE MCCLUSKEY	SR. DIR. OF PHILANTHROPY	40.00	Highest	$180,534	$27,453	$207,987
MICHAL SMITH	ED OF PHILADELPHIA	40.00	Highest	$195,747	$14,003	$209,750
ARNAB CHAUDHURI	DIGITAL PRODUCT DIRECTOR	40.00	Highest	$159,321	$27,259	$186,580

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
2025	$48,850,142	$50,463,522	$33,139,298	$-1,613,380
2024	$42,468,359	$43,459,896	$35,545,272	$-991,537
2023	$40,059,134	$38,652,085	$36,344,012	$1,407,049
2022	$35,925,476	$31,639,103	$31,992,503	$4,286,373
2021	$20,309,678	$19,645,271	$27,150,669	$664,407
2020	$26,967,596	$22,522,459	$25,900,834	$4,445,137
2019	$26,331,969	$19,025,790	$22,218,962	$7,306,179

CRADLES TO CRAYONS INC