MARSHALLTOWN CHRISTIAN SCHOOL

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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

2006

Legal Domicile

Principal Officer

PENNI CHADDERDON

Phone

6417538824

Tax Period

2024-07-01 to 2025-06-30

MARSHALLTOWN CHRISTIAN SCHOOL, founded in 2006, is a community nonprofit in the Education sector that reported $1.1M in total revenue in fiscal year 2024. Revenue surged 41% from the prior year, signaling strong growth momentum. Expenses of $984K left a modest 7% surplus.

Mission

THE ORGANIZATION OPERATES A PRE-KINDERGARTEN THROUGH 8TH GRADE SCHOOL IN MARSHALLTOWN, IOWA FOR CHILDREN IN THE MARSHALLTOWN AREA. THE SCHOOL'S MISSION IS TO EDUCATE CHILDREN IN AN ENVIRONMENT THAT IS SUPPORTIVE OF GOD'S WORD AND TEACHES CHILDREN CHRISTIAN MORALS AND VALUES.

Program Service Accomplishments

Program 1

Expenses: $808,855 Revenue: $850,158

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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 $214,625

Program Service Revenue $850,158

Investment Income $4,895

Other Revenue $-7,529

TOTAL REVENUE $1,062,149

Expense Breakdown

Grants Paid $0

Salaries & Benefits $666,675

Fundraising Expenses $0

Program Expenses $808,855

Other Expenses $317,482

TOTAL EXPENSES $984,157

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,062,149	$750,914	+0.4%
Expenses	$984,157	$588,844	+0.7%
Net Income	$77,992	$162,070	-0.5%

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

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
PENNI CHADDERDON	TREASURER	10.00	Officer Director	$0	$0	$0
MARILYN DOWNS	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
MATTHEW HOVEN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
MICHELLE BROWN	DIRECTOR	1.00	Director	$0	$0	$0
JULIE LAVENDER	SECRETARY	1.00	Officer Director	$0	$0	$0
JUSTIN GOODWIN	PRESIDENT	1.00	Officer Director	$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
2025	$1,062,149	$984,157	$2,097,979	$77,992
2024	$750,914	$588,844	$2,030,380	$162,070
2023	$426,172	$410,326	$1,868,250	$15,846
2022	$397,836	$367,915	$1,853,851	$29,921
2021	$358,475	$332,854	$1,855,754	$25,621
2020	$517,132	$335,023	$1,892,895	$182,109
2019	$569,778	$356,912	$1,871,165	$212,866