Creative Beginning Child Care Center Inc (EIN 161383109) - 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

1990

Legal Domicile

Principal Officer

Luz Roberts

Phone

5853232650

Tax Period

2024-09-01 to 2025-08-31

Creative Beginning Child Care Center Inc, founded in 1990, is a small nonprofit in the Education sector that reported $352K in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. Expenses of $432K exceeded revenue, resulting in a 23% operating deficit.

Mission

Quality childcare for families regardless of religion, ethnicity, economic status or home stability

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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 $7,940

Program Service Revenue $338,585

Investment Income $3,076

Other Revenue $1,955

TOTAL REVENUE $351,556

Expense Breakdown

Grants Paid $0

Salaries & Benefits $346,859

Fundraising Expenses $0

Program Expenses $318,956

Other Expenses $85,189

TOTAL EXPENSES $432,048

Year-over-Year Comparison

	2024	2023	Change
Revenue	$351,556	$379,276	-0.1%
Expenses	$432,048	$418,255	+0.0%
Net Income	$-80,492	$-38,979	+1.1%

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

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

$56,288

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Luz Roberts	President	0.90	Officer Director	$0	$0	$0
Raymond Roberts	Vice-President	0.25	Officer Director	$0	$0	$0
Pat Ignarri	Board Member	0.25	Director	$0	$0	$0
Andrea Coventry	Executive Director	40.00	Officer	$49,223	$7,065	$56,288

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	$351,556	$432,048	$27,224	$-80,492
2024	$379,276	$418,255	$138,487	$-38,979
2023	$481,882	$431,331	$306,116	$50,551
2022	$327,460	$367,806	$113,192	$-40,346
2021	$612,895	$579,548	$158,540	$33,347
2020	$717,187	$685,943	$226,227	$31,244
2019	$614,193	$594,218	$105,156	$19,975
2018	$650,776	$674,166	$84,863	$-23,390

Creative Beginning Child Care Center Inc