RUFFING MONTESSORI SCHOOL (EIN 340871936) - 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

1960

Legal Domicile

Principal Officer

BOB KRUEGER

Phone

4403332250

Tax Period

2024-07-01 to 2025-06-30

RUFFING MONTESSORI SCHOOL, founded in 1960, is a community nonprofit in the Education sector that reported $4.5M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $3.9M left a modest 15% surplus.

Mission

OPERATION OF A MONTESSORI SCHOOL FOR 275 STUDENTS AGES 3 TO 14 IN GRADES PRE-K THROUGH EIGHTH GRADE.

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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 $653,681

Program Service Revenue $3,491,821

Investment Income $196,153

Other Revenue $181,651

TOTAL REVENUE $4,523,306

Expense Breakdown

Grants Paid $126,788

Salaries & Benefits $2,711,640

Fundraising Expenses $36,410

Program Expenses $3,173,008

Other Expenses $1,018,024

TOTAL EXPENSES $3,856,452

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,523,306	$4,047,095	+0.1%
Expenses	$3,856,452	$3,839,633	+0.0%
Net Income	$666,854	$207,462	+2.2%

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

Volunteers

100

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

$189,899

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BOB KRUEGER	PRESIDENT	5.00	Officer Director	$0	$0	$0
SARA HOBBS	SECRETARY	5.00	Officer Director	$0	$0	$0
JENI SINGLETON	BOARD MEMBER	5.00	Director	$0	$0	$0
DAVE O'NEILL	TREASURER	5.00	Officer Director	$0	$0	$0
BRAD CHAMPAGNE	BOARD MEMBER	5.00	Director	$0	$0	$0
KATHY OSBORNE	BOARD MEMBER	5.00	Director	$0	$0	$0
ADAM MORRIS	BOARD MEMBER	5.00	Director	$0	$0	$0
NEDA SOPKO	BOARD MEMBER	5.00	Director	$0	$0	$0
ANNE LASHUTKA	PRINCIPAL	50.00	Key Emp	$174,388	$15,511	$189,899
ELIZABETH WHIPPLE	TEACHER	40.00	Highest	$122,916	$6,146	$129,062
LORI COTICCHIA	ADMINISTRATO	40.00	Highest	$103,931	$5,197	$109,128
MARY MCNAMARA	TEACHER	40.00	Highest	$103,688	$5,184	$108,872

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	$4,523,306	$3,856,452	$12,033,511	$666,854
2024	No data	No data	No data	No data
2023	$4,026,482	$3,683,244	$10,123,674	$343,238
2022	$4,033,771	$3,889,000	$9,634,725	$144,771
2021	$4,103,503	$4,035,957	$10,362,808	$67,546
2020	$4,718,682	$3,666,692	$9,505,048	$1,051,990

RUFFING MONTESSORI SCHOOL