CHILDREN'S HOUSE MONTESSORI

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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

2010

Legal Domicile

Principal Officer

MICHELLE KAGARMANOV

Phone

6053410824

Tax Period

2025-01-01 to 2025-12-31

CHILDREN'S HOUSE MONTESSORI, founded in 2010, is a small nonprofit in the Education sector that reported $501K in total revenue in fiscal year 2025. Revenue fell 21% from the prior year — a significant decline worth monitoring. Expenses of $658K exceeded revenue, resulting in a 31% operating deficit.

Mission

PROVIDE QUALITY MONTESSORI PRESCHOOL, KINDERGARTEN, AND ELEMENTARY EDUCATION.

Program Service Accomplishments

Program 1

Expenses: $512,035

OPERATED A PRESCHOOL, KINDERGARTEN, ELEMENTARY SCHOOL FOR 83 CHILDREN FOR THE SCHOOL YEAR. PRESCHOOL AND KINDERGARTEN WERE BOTH FULL AND HALF DAY PROGRAMS. ELEMENTARY WAS ALL DAY PROGRAM. ELEMENTARY PROGRAM HAD 1330 STUDENT CONTACT HOURS PER STUDENT. THERE WERE 30 STUDENTS ENROLLED IN THE SUMMER PROGRAM.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $466,812

Investment Income $15

Other Revenue $34,343

TOTAL REVENUE $501,170

Expense Breakdown

Grants Paid $0

Salaries & Benefits $471,756

Fundraising Expenses $0

Program Expenses $512,035

Other Expenses $186,114

TOTAL EXPENSES $657,870

Year-over-Year Comparison

	2025	2024	Change
Revenue	$501,170	$632,828	-0.2%
Expenses	$657,870	$635,548	+0.0%
Net Income	$-156,700	$-2,720	+56.6%

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

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

$66,400

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELLE KAGARMANOV	DIRECTOR	20.00	Director	$66,400	$0	$66,400
SARAH BARON HOUY	VICE PRESIDE	N/A	Officer	$0	$0	$0
STACIE LANDE	TREASURER	N/A	Officer	$0	$0	$0
ERIC MARTZ	MEMBER	N/A	Officer	$0	$0	$0
SONDRA RAMER	MEMBER	N/A	Officer	$0	$0	$0
LIANA ROBINSON	MEMBER	N/A	Officer	$0	$0	$0
RYAN RYDER	PRESIDENT	N/A	Officer	$0	$0	$0
PETER STRONG	MEMBER	N/A	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
2025	$501,170	$657,870	$944,121	$-156,700
2024	$632,828	$635,548	$940,237	$-2,720
2023	$584,995	$540,465	$988,299	$44,530
2022	$383,641	$423,748	$967,194	$-40,107
2021	$302,769	$291,995	$535,572	$10,774
2020	$261,832	$250,433	$514,083	$11,399
2019	$246,051	$226,054	$539,514	$19,997
2018	$231,847	$226,871	$546,980	$4,976