CRADLE AND CRAYON INC (EIN 222918131) - 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

ELEANOR ANDERSON

Phone

6046464242

Tax Period

2023-10-01 to 2024-09-30

CRADLE AND CRAYON INC, founded in 1990, is a community nonprofit in the Human Services sector that reported $1.6M in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $1.5M left a modest 5% surplus.

Mission

PROVIDE CHILD DEVELOPMENT SERVICES TO MEMBERS OF THE LOCAL COMMUNITY IN THE UPPER VALLEY.

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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 $201,624

Program Service Revenue $1,395,735

Investment Income $42

Other Revenue $0

TOTAL REVENUE $1,597,401

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,030,850

Fundraising Expenses $0

Program Expenses $1,420,451

Other Expenses $482,694

TOTAL EXPENSES $1,513,544

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,597,401	$1,445,401	+0.1%
Expenses	$1,513,544	$1,431,921	+0.1%
Net Income	$83,857	$13,480	+5.2%

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

$85,800

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENDA DANIELSON	DIRECTOR	50.00	Director	$85,800	$0	$85,800
N/A	MEMBER	0.50		$0	$0	$0
N/A	MEMBER	0.50		$0	$0	$0
N/A	MEMBER	0.50		$0	$0	$0
N/A	MEMBER	0.50		$0	$0	$0
BINGJIE HAN	TREASURER	2.00	Officer	$0	$0	$0
ELEANOR ANDERSON	CHAIR	2.00	Officer	$0	$0	$0
SHERRY KUCHMA	SECRETARY	0.50	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	$1,597,401	$1,513,544	$342,792	$83,857
2023	$1,445,401	$1,431,921	$329,439	$13,480
2022	$1,664,762	$1,490,295	$193,697	$174,467
2021	$1,409,345	$1,292,078	$271,946	$117,267
2020	$1,296,812	$1,362,229	$158,753	$-65,417

CRADLE AND CRAYON INC